No need for instruction books, software and devices that aren't instantly intuitively useable are considered sub-standard !
Everything has to be out of the box, and require no instruction. Sure, that can be great design, but what does it teach?
I am sure the state wants that money in their control, because of it isn't they will further lose control of the people. Governments are collapsing, yet we keep caring about them, listening to them, abiding by their rules that obviously don't work. We are a strange species.
Taxation and old age care costs mean that almost all of the wealth created by the boomers is being transferred to the state, not to their descendants.
YOLO! Enjoy your life now! Have a career! Don't have kids! Go to concerts, travel... but whatever you do, don't invest.