Could this be the exception that proves the rule? I have never seen any example used for this argument except Japan. That makes it seem like the situations that

Could this be the exception that proves the rule? I have never seen any example used for this argument except Japan. That makes it seem like the situations that generated that crash and continued loss are pretty unusual. At some point, it becomes difficult to make financial plans in order to mitigate a situation this rare. For a huge portion of people, it is impossible to build wealth on a salary. Investing is basically mandatory unless you want to have a very low budget in retirement and live entirely off social security.