I also thought the Financial Services section was rather tame and un-disruptive.
The problem is not that it's hard to find good ways to save and invest, although that is a true statement. The problem, at least for most people in the US, is that besides Social Security, "personal saving and investing" is currently the only available way to secure one's future/retirement. An additional, related problem is that the only personal saving and investing option available to most people is "buy one or more Financial Services products": Savings accounts, stocks, bonds, funds, 401(k)s, Roth IRAs, even pensions which are long gone. They're pretty much all the same scam: Hand your own personal money to someone else, and in 50 years, it may end up bigger or smaller or the same, depending mostly on who you chose to give it to, and other factors totally outside of your control. If it ends up bigger, you chose wisely and/or got lucky, and deserve to retire comfortably. If it ends up a lot bigger, you chose brilliantly and/or got really lucky, and deserve to retire in luxury. If it ends up smaller, you chose stupidly and/or got unlucky and deserve to eat dog food when you're old.
Can we get away from "use your own personal money to buy a risky financial services product" being the sensible way to secure one's financial future? Now that would be a worthwhile problem to solve.
Not to mention the fact that "Saving and Investing" is only available to people who can actually afford to save and invest (which is yet another problem that desperately needs solving).
The problem is not that it's hard to find good ways to save and invest, although that is a true statement. The problem, at least for most people in the US, is that besides Social Security, "personal saving and investing" is currently the only available way to secure one's future/retirement. An additional, related problem is that the only personal saving and investing option available to most people is "buy one or more Financial Services products": Savings accounts, stocks, bonds, funds, 401(k)s, Roth IRAs, even pensions which are long gone. They're pretty much all the same scam: Hand your own personal money to someone else, and in 50 years, it may end up bigger or smaller or the same, depending mostly on who you chose to give it to, and other factors totally outside of your control. If it ends up bigger, you chose wisely and/or got lucky, and deserve to retire comfortably. If it ends up a lot bigger, you chose brilliantly and/or got really lucky, and deserve to retire in luxury. If it ends up smaller, you chose stupidly and/or got unlucky and deserve to eat dog food when you're old.
Can we get away from "use your own personal money to buy a risky financial services product" being the sensible way to secure one's financial future? Now that would be a worthwhile problem to solve.
Not to mention the fact that "Saving and Investing" is only available to people who can actually afford to save and invest (which is yet another problem that desperately needs solving).