&gt; Services in general don&#x27;t benefit from productivity improvements like goods do<p>Very not true. Productivity for paralegals, accountants, and programmers has certainly risen over the decades. We could define education as &quot;person at chalkboard talking about things to other persons sitting at desks&quot;, which probably doesn&#x27;t scale well. There&#x27;s no reason to think that, in abstract, distributing information won&#x27;t scale well.<p>&gt; Saving is extraordinarily difficult on a national and generational scale.<p>Exactly. Leaving money to the next generation without getting a huge tax hit is non-trivial. If I got cancer tomorrow, I&#x27;m not deciding between leaving my daughter a college fund or going through chemo to eke out five more years. I&#x27;m &quot;not paying&quot; for the healthcare, so I&#x27;ll spend whatever I can on lasting a couple extra months. I certainly can&#x27;t opt to forgo treatment to leave $250k to my grandkids.