That is why you need to understand the currency.

what value does paper USD have? can you eat it? live in it? no, right?

Currency is for exchange of goods, not eat it, not live on it unless you exchange for some thing that human needs.

Currency has to be stable or you have to speculate on stocks and bonds hoping it beats the devaluation of currency. Which is exactly what we have today.

If currency has stable value, then you know the return on broad market of stocks is not going to be crazy since brenttonwood break up.