My experience was lonely wandering on the internet.

on and off for years.

I have a few good friends that I'm working on like this.

Surprisngly, most of them know they probably should own some, but never bothered. They look at it like something unsttainable, like owning a home for gen z, it is yet another example of their financial disillusionment.

Try to tell people what they should do with their money and many get stiff and weird.

Money is very personal. And what we do to earn and save in it is too.