I agree, there's a balance. But I'd advise being skeptical when someone proposes, from a "policy level", that we need to train people to spend more. It's highly

I agree, there's a balance. But I'd advise being skeptical when someone proposes, from a "policy level", that we need to train people to spend more. It's highly likely that -- like Edward -- they don't have your best interests at heart (but not guaranteed).