There are tons of people who are late to trends by nature and adopt a trend after it`s no longer in fashion. They exist in mutual funds. They exist in clothes. They exist in cars. They exist in lifestyles.
The way the credit cards were made in the `80s to be a people`s form of capitalism and be able to make it so that you could get a loan that you would have been denied previous, now that`s the way stocks are.