It is quite the paradigm indeed. Like you said most people don't really have any extra income. They have a mortgage. Their retirement is heavily underfunded.

It is quite the paradigm indeed. Like you said most people don't really have any extra income. They have a mortgage. Their retirement is heavily underfunded. Kids future school is not paid for. Then there are people that have 100% of everything paid for and already have more than they will ever need... not to mention they can grow their money way quicker than the people who need it.. Yeah, it's pretty easy to be "generous" in that situation because it's literally extra money just sitting around doing nothing but making more money. edit: wow, downvote me and op for this? Must be by the HN 400k engineers without a family who don't understand what the problem is