> Although this does create a new kind of 1%, but its one based on merit so its okay? I think about this a lot. There are so many ways that the people who can

> Although this does create a new kind of 1%, but its one based on merit so its okay? I think about this a lot. There are so many ways that the people who can least afford to be fleeced are getting fleeced the most, while people with the right savvy and some spare time, who are more likely to be earning well, are also able to avoid a ton of unnecessary cost. It's kind of a double whammy on the poor and unskilled.