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On an individual level, it is the doctor, nurse, engineer, teacher, butcher, grocer, builder, etc. being turned into a financial investor, plowing the majority of their savings into Wall St. financial products that bear risk while perceiving there to be none. Over time, stocks only go up, real estate only goes up, and interest rates only go down. How or why is a mystery to the Davey Day traders of the world, and it matters not, because that’s just the way the world is...