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One side - people are too stupid to do it themselves/other side-
I'm smart enough, let everyone else rot.

i wouldn't put it exactly that way ..

some are too stupid,
some not educated (everything i know about money i learned from my Mother AFTER i'd got past the "Mom & Dad don't know crap"-stage age 40-something)

some just aren't smart enough that they'll fall prey to unscrupulous 'Advisors'

are we supposed to let them rot?

(o ....and "i'm lucky enough ..."
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