[Dylan16807]

Savings accounts have poor returns and don't need the help.

Is short-term investment that much less useful than long-term? Especially when the stock market is so big and smooths out short-term investments so much? We're effectively paying a lot of money for that bias, and I'm not convinced that's better than a tiny bias or no bias.

[robotresearcher]

Savings accounts have poor returns, so investments don't need the help, right?

I could certainly be persuaded by that and maybe about short vs long term investment. Do we have data from other markets to compare?

Above I'm just explaining the reasoning behind the status quo. Reaction to that seems negative. I can't tell if I'm wrong about the reasoning, or people are signaling that the reasoning is wrong.