This is important: people act on their perception of what you say, not on what you intend to say. In this instance, I'm informing you that my perception of what you say mismatches with what (I suspected) you intended to say. And again, in this instance I'm giving you the benefit of the doubt... but it's important that you hear me when I tell you that you're coming across more antagonistic than you intend. We've talked about this. It's not a problem that's limited to me. There are ways to ask these questions that are less likely to raise hackles and I'm simply attempting to inform you that your goals would be best served by using more neutral language.
_____________THAT OUT OF THE WAY____________________
One of the tropes of the 2008 recession was "no one saw this coming." Having followed real estate blogs since 2006 which, to a man, were predicting the impending implosion of the real estate market, I knew this to be untrue. One of the other tropes of the 2008 recession was "no one can really explain how this happened." With one trope being handily disproven, I suspected this was also untrue.
Thus began a self-guided tour of popular financial literature which led to a layman's education in economics. One of the interesting things about economics is that because it's basically "math for business majors" it's a lot more accessible than you'd think. Not only that but because many of the more recent theories in economics are contentious, the accepted stuff tends to be simple and accessible.
I have 49 books in my Audible library dealing with economics, socioeconomics, economic history, management or business. I've read 46 of them. This does not a degree make but I feel it gives me a basis to have an opinion.