If you can't be bothered to look up the study he's citing and I can't be bothered to look up the study he's citing, I think we're at an impasse. I default towards assuming studies are fabricated bullshit. You default towards taking them at face value. It doesn't really make that much of a difference. We both agree that the financial state of the average person is fucked anyway, even if we disagree on the amount of trust that can be placed in "the experts."