I don't disagree with anything you've said here, every point you've made is solid and I couldn't agree more. Where I think we disagree is on the concept of pers

I don't disagree with anything you've said here, every point you've made is solid and I couldn't agree more. Where I think we disagree is on the concept of personal responsibility. I maintain that it is every adult's responsibility to acquire whatever information they need to make informed decisions regarding their personal finance. If they opt not to for whatever reason that is absolutely a personal choice they've made. I reject any notion that having exercised their personal agency in this decision they are then victims later when poor outcomes manifest. Investing in an uneducated fashion is the very definition of fucking around, and I'm not prepared to offer up my feels when someone finds out.