Well, I stay away from "commodities" which banks and investment houses trade and sell in order to pad their own balances sheets, but which neither produce anything or increase the value of anything, other than their salaries.

I am referring to something such as a plumber. One plumber may unclog the drain, but still leave a ton of gunk on the pipe walls, causing me to call him again to unclog it once it has built up AGAIN. Or, I could call another who cost a little more, but does not require me to call him back in short order. It's like the old buy line from a commercial in the 1970's - "You can pay me now or pay me later."