^^^
Ofcourse if govt. was working to it's mandate like a well oiled machine, industry was flying and the market was setting actual rates (for the most part), Joe would be cursing his silly decision to buy 600oz of gold for $300 p/oz in 2002 as it's only trading at $400 p/oz in 2012 and he could have made a better and steady inflation adjusted gain investing in housing, USD on deposit, the stock market index, or bonds.