Success happens when those prepared take advantage of the opportunites available to them.
Note that at least two conditions have to be in place
1. The person is prepared
2. That person has opportunity to use their preparedness.
Yes opportunity, all the education in thw world will not help you if there are no jobs for you.
Not that I don't appreciate where you're coming from, but the best thing about America, at least through our short history, is MAKING opportunities where none existed. Preparedness rules.
That being said, SOMEthing has to kick the bankers loose to free up capital or few in the millennial generation will ever get the chance to fail. THAT would be a sad addition to American history.
If the bankers are too chicken to take a chance on Americas youth, what say we turn The Federal Reserve into a retail operation?
Who gives a fuck if the "Fed Rate" is at -0-? The Fed only loans to bankers.
What do you want to bet the bankers are taking that free Fed Money and simply trading with it for a tidy profit, instead of loaning it out to small businesses?