I was equally stunt, but get this : Visa wants to know how much people are going to spend using their services. This is not a sound socio-economic analysis of the wealth transfer. I think overall few people read this type of report.

Instead, it gives insight on a phenomenon that is expected to be an "event". They show that it's going to be gradual, that it already started. Maybe it is a way to inform potential investors in Visa ? Maybe it is a report intended for the business side customers (i.e. commerces) ? I don't know.

Plus, it gives an interesting insight on how the "_real_" economy is still a topic of research where every discourse seem to be on financial performances. I found it interesting after having a repulsed reaction to what I considered a grossly irrelevant account of socio-economic dynamics of the so called "great wealth transfer" (horrible name), like you.

They also hold disproportionate wealth. It is absurd to arbitrarily exclude them.