Just for consideration, the past 3 or so decades has seen a deterioration of trust between our institutions and the citizenry.

I worked with someone about 15 years ago who lost her 401k (life’s savings), as did her husband, when the company they were about to retire from was bought out and the new owners basically liquidated all employees’ funds and just kept it.

Things haven’t gotten better and I think that can contribute strongly to a situation like what we’re seeing. Everyone’s first response is protect what you’ve got... maybe we haven’t stopped to think if what we have is better than what can be? I’m optimistic. I hope this launches us to new heights.