I'm discussing it, not defending anything.

This is kind of like investment strategy. My preference is traditional EFT/Index funds for predictability and stability. As opposed to say private equity startup investment, which has high risk, uncertainty, and potential for high reward.

But if my spouse invested our retirement fund in private equity (which typically has a lengthy lock), I would be analyzing how *that* is going, and future prospects. It might even look bullish at some point. Might as well look forward, because you can't get your money back out until the end regardless.

"This all bad and will only get worse" is just TDS. Stop talking about me, just stick to current events.