This Is not Fear. It’s Do Diligence. And It Changes Everything.
Something important is being misunderstood right now. People aren’t broke.They aren’t disengaged.They aren’t asleep. They are choosing not to spend. That distinction matters more than any headline you’ll read this week. There’s a lazy explanation floating around that says people have “pulled back” because they can’t participate anymore. That story misses the point. A large…









