"Also you really don't know what you are talking about." Savings account (and other) rates are not low like they are because of chance or happenstance or a com

"Also you really don't know what you are talking about." Savings account (and other) rates are not low like they are because of chance or happenstance or a computer bug ... they are that low for a reason. People are terrified. Smart, big money is terrified. Policymakers (at least thoughtful, informed ones) are terrified. Nobody has any idea how all of this turns out. The 8 year melt-up in stocks is the result of hot, hot money dancing in and out of the market, desperately trying to eke out a return - all the while knowing that there will be a terrible, desperate scramble for seats when the music stops. In your model of the markets that you are sketching out for us ... who is the sucker ? Who is it ? Not quite sure ? The sucker is you.