The fundamental issue is a complete lack of any financial literacy education in the United States. The average person has zero to negative logic running in thei

The fundamental issue is a complete lack of any financial literacy education in the United States. The average person has zero to negative logic running in their heads how finance and the financial world operate. So, of course, every manner of magic fairy dust logic is a possible explanation given the black hole void most people have when it comes to how financial logic operates.