Yes, roughly one-half the population will make worse-than-average decisions...more, I think, because I think the distribution is skewed toward worse, markets being smarter than people.
> If it really bothers you that much to pay that small social security amount each
> month, then stop whining and get a raise. That's the entrepreneurial spirit, or whatever.
Brilliant...except that you forget that the sort of man who tells the poor to have more entrepreneurial spirit is a member of the Elect, and as such must already have it in spades---if he's not wealthy already, it's because the communists above him at work and in the Evil Gummint have it in for decent people like him. (Decent people, not like the folks to whom he gives advice.)
(Masculine pronouns used above because 0.) I like women a lot, generally, and 1.) it usually [though not always] is a man bloviating so [a reason to like women a lot].)