You overestimate the level of financial literacy that people have in tech industry, especially the immigrants... I can say from personal example that I "lost" a

You overestimate the level of financial literacy that people have in tech industry, especially the immigrants... I can say from personal example that I "lost" a ton of money by letting cash just sit there, especially 10-12 years ago (I learned what stock market was, other than in the most abstract way, in 2008). And then when I learned a little bit was I talk to random friends, both immigrant and US-born, I get a feeling that my meager knowledge puts me in a pretty high percentile. Someone who grew up here asked me what CDs are; and just yesterday I was explaining what S&P 500 was ;)