I agree. I think american hodl set it pretty well on a recent podcast. "Why do I care about you more than YOU care about you". People are stubborn, and definitely not savvy with money. 

  https://image.nostr.build/a3b6a4719e1e1d6a36573648fd8c79e82fb3e9d190a557c63bb4faa9d76ad258.jpg