There is so little proof and many opinions based on this discussion.
There are some very astute people who have contrary opinions to yours though and while they are not a majority, they have very good credentials in this field.
So I don’t say that I am right or you are wrong, we have a differing opinion on risk/reward at this point in time.
I hope my thoughts on this subject are indeed wrong as that is a better outcome for many and if my opinion are closer to the truth there is more pain.
I do understand why you don’t want people who think like me to be correct but don’t crucify me for not agreeing with you.