> especially since 99% of them don’t even have a sliver of a chance at “fuck you money” like you did.

I didn’t have “fuck you money”. Just enough to live a moderately frugal life on the equivalent of median income as long as the market didn’t tank.

The thing about your point that doesn’t make sense to me is that you’re describing a scenario in which 99% of people suddenly are in the same situation I was.