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This feels like a severe anecdotal example which I'm not sure applies to most people.

It is definitely a single point, but that is who this post immediately made me think of.

And to be fair, investing does not apply to most people either.

> And to be fair, investing does not apply to most people either.

Why doesn't investing apply to most people?

Because most people are neither properly educated about investing nor have the money to spare to even start.

Most people are living paycheck to paycheck.