A financial advisor I know has a favorite saying: do you want to look rich, or do you want to be rich? He says it to motivate clients to save more and spend less; unfortunately, too many people are spending less without saving more and unintentionally squeezing vulnerable populations in the process. Nerd that I am, I’m going to paraphrase a young Obi Wan Kenobi: we, all of us, form a symbiote circle. What happens to one of us affects us all.