A lot of it is path dependency whereby various practices turn into processes, regulations and laws. On top of this narratives form that guide peoples thinking a

A lot of it is path dependency whereby various practices turn into processes, regulations and laws. On top of this narratives form that guide peoples thinking as to what the right financial decisions are, then people can start to believe these narratives over time without questioning them. Eventually companies can create certain processes or habits on the basis that those narratives need to be true: https://www.epsilontheory.com/what-do-we-need-to-be-true/ https://www.epsilontheory.com/what-do-we-need-to-be-true/