The commenter above was making that very point, that it's so worthless to give us financial advice and knowledge of the economy when a large portion of Americans are scraping together their last nickels to pay their water bills or their electric bills and not always both. Most people don't have a savings that can withstand a minor home emergency or health problem, investing or saving with intention is almost impossible for millions of people.
The funniest part here is that the commenter got a lecture about the economy anyway.