This is a pretty good question. I wonder, where else would this apply? Also how does the pareto principle work here? 20% of the people produce 80% of the outcome, so the finfluencers are the 20% that produce 80% of the "advice" on forums and social media, which is based on the feedback that 80% of the people give which is based on their already established beliefs, because the other 20% of the people there are the ones that actually know stuff but aren't big enough to contrarest the 80%.