For instance: 10 years ago, I would have said people who take out a loan and go to college, finish, and get a great job are low time-preference.

The guy who was like, "this is stupid, gonna just buy Bitcoin", is looking like a genius, now.

Was the person who went to college low time-preference? Maybe they just went because their friends were going.

Was the person who "bet everything on crypto" prescient or just a gambler?

We don't know.