I think it will fix it, but some will be able to burn through fiat longer, maybe decades longer.

It's lack of attention from the parents, it's way more often in fiat wealthy families. This builds up some sort of abandonment issue in the kids, feeling they're not good enough to receive love and affection. In my experience you can't reason with that until they go broke or suffer a tragedy. People laugh, but sins of the parents come down to the children. It's even worse, the lore says it goes up 7 generations.