> I have a feeling most people who would need to rely on BI also have a problem managing money. I think this depends on what you mean by "rely on". I could see

> I have a feeling most people who would need to rely on BI also have a problem managing money. I think this depends on what you mean by "rely on". I could see many people who are very capable of managing their money relying on BI to allow them to take behaviors that would be risky in the absence of BI. For example, a college student who is choosing between starting a small business or interviewing at larger companies may significantly rely on the BI when deciding to start their business. However I agree that, when viewing BI as a safety net, those who would need it are disproportionately likely to also need help managing the money.