Indeed, but all of the ideas of elite "experts" are self-serving schlock better to be ignored. The issue is who gets to decide and right now public policy control belongs to those private profit-motivated interests who control the money. Money is the governing factor so we waste our time going round and round about the symptoms of the disease while totally ignoring the disease. The remedy has always been available if people only knew the monetary history, and the legislation is even already written to fix it. No side issue will ever fix the key issue, that is putting the cart before the horse. Optimism bias is stupid because if you believe you can't, you can't, only if you believe you can, you can. Why don't we understand this simple and basic principle? Who messed with our heads? And why? The answers are in the monetary and schooling system history. monetaryalliance.org