People are such suckers.
Like those who listen to all these stock market experts who are trying so desperately to make us all rich! With endless seminars, info commercials, financial talk shows et al.
The truth is all these people have no desire to make anyone but themselves rich. Their only desire is to rope-in and loot those who dream of being rich.
I think you nailed it pretty good.
I have not paid attention to stuff like this for years. My financial advisor says stay the course, and I have, and my returns have been very acceptable for a long time.