A note about your last questions. It is an inverse relationship of intelligence and economic climate in my opinion. The higher your intelligence the more you understand the current system and see that it is failing, the more likely you are to delay gratification now and to prepare for a collapse of the system. The less intelligent the more obvious the collapse must be in order for you to notice. So as the collapse of the current system accelerates, more and more people will be aware that they need to prepare. Unfortunately for most it will be far too late.