I have new generation name for many out there in cyber land today its gen S.....the S stands for scaredy cats, they are simply too scared to do anything or it could b Gen D....the most doomssayers I have ever heard
in the past, before the internet....they got a box, and stood up and preached their tales of woe, to anyone who was game to listen...
today they all have access to the net, and they are preaching even wilder, scarier stories.... some even make a living from it today.... by getting subscribers to pay to hear the rubbish
btw have you converted all your assets into gold, while waiting for inevitable crash of the monetary system