@John_Darksoul @mjdigspigs @catmanmancat It's tough. Moral Hazard is really what it is, but it's at least partially because of the conditions created by "elites" and their browbeating and removal of so many of the economic ladders that normal, driven people used to achieve success in the past. Small 'luxuries' (non-essentials) are hit very hard by this as people live more spartan, which means all of the normal money velocity drivers in the local community start to whither.