And as I told sjb in another thread. I'm a former college coach and currently a college professor and counselor. The selfishness of every generation born after 1984 is just getting worse. Very good book called Generation Me on this topic. I see the benefit for the individual from a financial perspective, yes. But I don't see this as a benefit for building character, integrity, etc. And as a result, I think we're just going to see a society be less and less mindful of others and focused on what they're needs are.