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The sense of financial nihilism, especially among younger people, is a really important part of this. Both the increase in inflation and the decrease in opportunities have resulted in people being like, “all right, well, if I ever want to be able to retire, I have to gamble and get really rich because I can’t do it on my current salary. I’m just barely keeping my head above water. I can’t sock away enough that I know that I’m going to be able to live out my golden years comfortably. So if I want to ever have real money, I have to gamble somewhere.”