I've come to believe it really is this. Everybody got used to the way things worked when interest rates were near zero. Money was basically free, hiring was on

I've come to believe it really is this. Everybody got used to the way things worked when interest rates were near zero. Money was basically free, hiring was on a rampage, and everybody was willing to try reckless moonshots with slim chances for success. This went on for like fifteen years -- a good chunk of the workforce has only ever known that environment.