This style only applied when economics is steady and

inflation is low.

Time has changed. American's next generation is feared to be the first one poorer than previous. It is not hard to imagine that there are 2% very rich people and 30% homeless in this country after 20 years. When you are sandwitched in middle, you have to choose your side.

poor mindeset is not anyone's fault. because our society tend to teach everyone far more conservative than they should be. when people faces risks and don't know what to do, they ued to fold. But there are times in history people risked everything because they were not risking anything. Unfortunately/ fortunately, we are living in such a time.