The ones I have spoke do know the system is broken. But they simply do not care. I tried in 2010 to convince many of my friends without succes. They see now they are wrong, I did quit my job in 2017. Even gave in the period 2010 many coins as a presence, which they immediate spend and did not have any believe in it. Again my experience. But it is now centainly not to late, but they simply don't care enough. That is my experience.