Humans have needs beyond just the financial. The need for connection, love, and familiarity is very strong, and long-term investment in family is the most reliable method known for obtaining this.

Being relieved from having to provide for the long term by the fiat credit machine, individuals end up investing less in the families that would give them joy and satisfaction in their later years.

Nothing in our psyche has changed over the past one hundred years to allow us to overcome this need and sacrifice family. What has changed is our ability to think long term and care for our future selves.

— The Fiat Standard