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This was the sentence I found most egregious: Lots of awful things are frowned upon hard; that doesn't make them no longer a "factor" in causing harm. Otherwise, I liked what you had to say about wealth, the virtuous cycle of saving, and questioning pat answers about "sitting on money." b_b and I do share a habit of talking past each other and sometimes refusing to acknowledge when the other side makes good points. He's a commie, but he means well, and he rarely spouts absolute nonsense. yellowoftops appears to have sympathy for my fascist (?) tendencies.In reality, in the US for example, racism against black people is frowned upon so hard, that it's really not a factor in why they're not successful.