Makes sense to me. And yes, psychologically, it is hard for the "old dogs to learn new tricks". But yes, it is the challenge and freedom to directly manage ones affairs. And one thinks about the old model, just buy into funds/pensions for companies that extract and pollute and mistreat their workers ... many raided other companies, bankrupted other pensioners, or left the country entirely. The whole thing was a bit rigged when you really think about it. It was an "ask no questions" system... we need to get to an informed economy with deliberative democracy, where people can make their money support things they believe in. So much to do !!