Nature presents us with regular doses of hardship, disappointment, struggle, pain and poverty. We've broken too many rules to avoid this retribution. Our finances are so far off track that the scope of our ultimate financial collapse can't be comprehended. Virtually everyone holds their financial assets within a system that depends on outside circumstances for value. High stock prices depend on a continuing stream of new money and good business performance.
Bonds depend on sound corporate finances.
Treasury Bills and bonds depend on government solvency. Bank accounts depend on credit creation and government guarantees. Most of our nation's wealth lies within a government nurtured system. Deposits are guaranteed and only mainstream investments are encouraged by the financial and political establishment. That's how they get re-elected and make their money.