Fair enough, that is on me. What i actually meant was there is little to gain for individuals who aren't already relatively wealthy. For those living at or be

Fair enough, that is on me. What i actually meant was there is little to gain for individuals who aren't already relatively wealthy. For those living at or below the poverty line, 8% of nothing is nothing. It isn't until you get to those who can afford to lock up reasonable sums of money for multiple years to benefit practically from that 8%.