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This is all reasonable and I’m very sympathetic to it. But then again, I don’t feel that someone too stupid to understand compound interest and with a time preference too high to understand saving money and/or not maxxing out every loan facility they have should have the same power over the direction of our shared society as me.
And yet, like you, tens of millions of responsible middle class people go their entire lives without ever deciding to blow their credit card limit, get a second mortgage and put it on the roulette table, or put their retirement savings into extreme out of the money options recommended on /r/wallstreetbets.
Interesting point, and yeah I have to admit that dumber people often do screw up major societal decisions. The tricky part is deciding who gets to decide.
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Hmmmmm, I wonder at that assumption. Not many people wear their net worth on their sleeve, and lots of people finance what on the surface looks like a stable middle class lifestyle. They might not take out a second mortgage on their house to bet it on black. But they do take out a variable rate HELOC to remodel the kitchen for a dubious increase in home value.
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