But if you were in the market back in 2015 (or 2005 or 1985), you rode a cresting wave with a few marginal dips. If you graduated college in 2018 and started throwing all your money into the latest Crypto fads you’re a bit more fucked. But if you never had money to invest to begin with…

True, though lots of people with market brainrot think of those gains as money they've earned. Selling at a loss is, to them, no different than giving money away on a bad deal.