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My mom was complaining about some pyramid scheme get friend fell for and I explained how every business is a pyramid scheme.
You work, you produce way more value than you are paid, that money goes to paying other people and growing the business to make the shareholders rich. You aren't rewarded for your work, generally. Somehow this is normal. The only difference with a real pyramid scheme is that they generally lie about how much you could succeed.
My wife and I are both lucky and we bought our place mortgage free because we were able to save while paying off our old place.
While making the purchase we specifically talked about how if the market crashes by 50%, we're still better off. Because most likely every home will be similarly cheaper. And our earning potential would be similar.
The difference is that it's hard to predict what will happen in an economic contraction like that. There would be a lot of joblessness and a lot of hardship.
I'm hoping we can minimize the joblessness and hardship (which is already happening). People are unionizing, despite the best efforts of the owners of even businesses that had a progressive reputation, and the strikes are getting results! It gives me a lot of hope for fairness without the reset that could lead to mass homelessness and poverty. But having been around the block a few times, I know it will be a close thing.
I'm a cynic and I find myself pretty perpetually expecting the worse from humanity.
But sometimes we really pull it together and knock it out of the park.
I think it's great to have high hopes, I wish I had the fortitude to stay positive more often.