> Because access to the financial system was democratized ten years ago Huh? I'm not sure exactly what you're talking about, but mere "access to the financial

> Because access to the financial system was democratized ten years ago Huh? I'm not sure exactly what you're talking about, but mere "access to the financial system" wouldn't remedy anything, because of inequality, etc. To survive the shock financially, I think one would have to have at least enough capital to be a capitalist.