I am not the person you were arguing with, so sure maybe I don't know what the other guys argument is lol

I was just commenting on what I was seeing in your comments - sorry that I struck a nerve..

I'm not sure what bubble you think I'm living in, given how little you know about me. But in "your bubble" it doesn't seem like there's a way to reconcile two very antithetical propositions: 1- people don't have the resources/knowledge to invest, but also 2- they can use their excess resources to diversify away from having significant investment with solely their employer. How does that work?

And just to re-iterate, no one besides you has brought up the intelligence of "most people" when it comes to the ability to invest. So...?