quote: I'm not "in this with you". We're not part of some group together whereby we're seeking the same goals and have mutually agreed to make the same sacrifices. I'm investing in my future. Not yours. So yes, we should give up on a tool to benefit you at my expense.
quote: how does the world around you not affect your future?
quote: So your position can be summed up as 'I'm selfish like a 3-year old.'
quote: The problem with assuming that markets would necessarily invent the same things is that for companies to invest in something, it needs to have some reasonable expectation of monetary return. There are other criteria than monetary return on which to judge the value of something.