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Mathematically, using a metaphor, it's like your family is having a budgeting crises, your spouse spends 10k/year on coffee, your kids spend 50k/year on dog patreons, and your accountant's only recommendation is for _you_ to personally look out for and pick up every penny you find in a parking lot.

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I don't think your metaphor is in any way accurate, I think it is disingenious and an attempt to disempower the individual.

It's more like both my spouse and I and my kids are each over-spending on a daily basis, and I tell them that we all have to cut our spending, and start doing it first, leading by example, and not buying two lattes per day.

I'm not picking pennies in the parking lot, I'm not spending dollars on things, literally! I am amazed at the level of inaccuracy in your metaphor, thank you for that.

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