[danaris]

> OBVIOUSLY if you absolutely HAVE to spend money because your life depends on it

Food. Clothing. Shelter.

For most people in the world, all or nearly all (or, in some cases, more than all!) of their annual earnings go toward these absolute necessities.

The way you talk here makes you sound incredibly out of touch, as if you think everyone has vast amounts of disposable income they can just chuck toward whatever investment opportunity looks best at the time.