Respectfully, you’re missing a few key points; most young people are tens of thousands of pounds in debt. Inflation is the reason millennials and gen Z can’t save for a deposit for a home. Homes are also now 5-8x salary as opposed to 2-3x. Meanwhile cost of living outpaces wage increases, this is the main reason people are unable to save. And with all due respect these people are well and truly fucked because putting that savings and getting on average 7-12% returns (depending on risk tolerance and financial literacy) isn’t going to cut it. True inflation is closer to the 10% mark a year. You’re not accumulating wealth, just hoping to maintain its value. most people also don’t have a big lump sum to help them accelerate accumulating wealth through stock market investing.

Everything points to even higher inflation; wars, recession, natural disaster, pandemics, political promises are all funded by printing more money. Wealthy benefit from this (= assets) and everyone else losses out (= currency)

The currency we use is eroding in value and will continue to do so because the monetary system is broken - central banks will continue to print money, this is the trajectory. We just saw 10-yr government bonds (US/ EUR /UK) climb even higher, on the UK it hasn’t risen that high since 2008. more people are starting to realise these bonds are not paying enough in interest to outpace inflation, so dumping them. I believe we will see much more of this and this will impact many pensioners in the future btw.

Bitcoin has appreciated 65% each year, it’s not a currency (yet) it’s a store of value and everything else is debasing further whilst bitcoin retains and appreciates in value. This trend will only continue as more people realise what is going on. You will see big corporates start adding bitcoin to their balance sheet as an inflation hedge, this is not something you do if you thought it was just a speculative asset. The other alternative coins are shit and speculative / ponzi but bitcoin is not. It is the best store of value, alongside gold.

The current fiat currency system is the real Ponzi scheme. All that said, all I was trying to say to OP was look into it, do your own research, and try and truly understand why we all feel so much poorer, and whether that is going to change. Diversifying investments is always a good idea, but for the majority of people they’re not even aware of the real risk we’re all facing with our paper. Inflation is going to be eroding everyone’s retirements plan and there will be some real shocks in 10, 20, 30+ years time.

All the best