People live in the now less and less. Hence they buy products and services less and less...it's only natural that they'd look to do something with their money

People live in the now less and less. Hence they buy products and services less and less...it's only natural that they'd look to do something with their money because interest rates have been at 0% since 2008 now. You can see this everywhere. People drink less and less, they smoke less and less, they have very few sexual encounters etc.