Who is this addressed to? Is this extreme FUD? Just kidding, but there's a ton of really upbeat assumptions in there.

This is the same thing as the meme, "Hey if you don't drink your two beers a night (smoke a pack of cigarettes every day, etc.) you could have a jaguar in ten years."

To which the other person responds, "Do you drink two beers a night?"

"No."

"Where's your jaguar?"

I'm all about intelligent investing, but early adopters are a different breed. I certainly hope they don't die from drugs or the like, but the market absorbs the empty accounts and moves on.

Anyway, interesting post. It left me scratching me head. Take care!