Uhm, you have said and nailed it all, you seem to have foresee the future that is not yet already, actually people say and I believe that today activities dictate what will happen tomorrow and tomorrow is the future, right now earners are earning due to the fact that investor are putting more resources, but time will be coming when the investor would be ripping what they sow for now, how about the earnest if they save through their SP, there future is guaranteed and if not they will only find themselves as new user who just wants to belong as you have said above.
I must tell you are really a seer, you seem to know more, a lot of things. Perfect of you I will be looking forward to gain more from you through your piece. You response is well appreciated.