and that's certainly happening. money now is better than money later (time value of money, net present value discounting), during economic downturns people don'

and that's certainly happening. money now is better than money later (time value of money, net present value discounting), during economic downturns people don't start buying the dip like there's no tomorrow, even though it's very likely that they would make bank in 5-10 years. (because people are risk averse) similarly we are bad at managing spread out risks (climate change, road traffic incidents)