Everyone does this, I mean do you expect your 401(k) to have a return on investment? Do you feel guilty about your retirement funds taking money out of the system ?
As a poor person, 100% of money goes back in to the market, not an investment/retirement account, because rent and food are a bit of a priority.
You’re right, “everyone” was a stretch, not everyone has retirement accounts. But a large portion of Americans do.
And what do people do with those returns? They spend them! People don’t want to die with a huge 401(k).