An individual frame of reference is so deeply embedded in opinionated commentary about monetary topics. I find that lazy people argue that everyone is lazy; int

An individual frame of reference is so deeply embedded in opinionated commentary about monetary topics. I find that lazy people argue that everyone is lazy; intelligent people speak as if everyone is intelligent; and selfish people accuse others of being selfish. No one is completely, absolutely any of those things, nor their opposite, yet those are part of the human condition.