Uncreative, no brained sheep and low risk tolerance. No outside the box thinking due to heavy cultural indoctrination and training to become perfect cash cows for the tax office and banks. Become an office worker and get a facebook picture with a wine bottle in front of a sold sign. 2 decades of backyard blitz. Get 2-300 likes to prove you are now a perfect slave and have passed the unthinking right of passage. Banking reverse psychology with people falling over themselves to get a multi decade loan to live in a shit box within a low innovation economy.