@tennoseremel You do. Everyone doesn't.
I'm not saying that you are specifically to blame, it's a systemic problem we're all complacent to because of everyone's self-interest. Kinda like climate change or pollution. Case to case, we make our own life a significantly easier, while simultaneously making everyone's a little bit worse.
And that adds up over time, and in the end we end up with a disaster which we don't really know what to do with.
@drq What do you mean I do? I'm pretty sure I know my finances more than you. Unless you read my message wrong here.