trying hard to understand, but

Volumes speak volumes. There is an awful lot of curricula howdt there and very little time to relate the concepts through the information. The party line is good at justifying itself as people who sit at desks and generate paper for a living have a lot more time to express their nonsense in written form. The art of discovery is beyond their ken, so they never attempt to go beyond the bounds of the simplified pablum that they were taught to regurgitate.

Working folks who spend their time stressing in the cycle wash out, so that the twin pressures to perform and stay well depend on the level of social interaction networking and nose to the grindstone work; to pay off the never-ending debt cycle of post-modern urbana while keeping people that might otherwise object in line via payoff or plunder. The spoils of the system get extracted by players in the game that survive the concrete jungle long enough to rigg themselves to the nest egg. The straight scoop is never straight and always poop, except for the thread that binds it into the scheme of acceptibility.

just have to stop thinking in this mindset, as only the economic untouchable or the very brave can even hope to stay enlightened for very long - there is no free lunch. economics is not what it used to be, nor what it will become - it is what it is and whether or not we have the wherewithal to achieve our goals is dependent upon us, not anyone else. learn to understand, to apply to what interest is, and spend time doing things that you choose to do. You still must do the things you have to do - everybody must - but what those things are is not under control right now. So sit back, dont stress too much right now and invest your time wisely, in what you do when you do what you do.