you sound like the typical american bum - go back to academia or else listen to more and read the book before you offer your penned-in "thoughts"...

even a cursory familiarity with the issue is enough to prove such idiocy unfounded but you are too comfortable to even get that far...

finally its not a financial calculation - its a matter of Law and lies and whether you want to be a part of that doomed trajectory or grow a fucking pair and make a stand and sacrifice for your progeny...

pathetic.