Our generation, namely the people born in the years after the 2 WW, the so called baby boomers, grew up without any culture related to efficiency and with aa cultural model that was based on consumption, this was, at least in part, a reaction to the previous culture based on savings (savings, not investments).

The following generation, I mean people that are now 40 to 55 about, had a culture more attentive to investment, but with an excess of attention to efficiency that could be, and in a lot of cases has been, counter-productive since, to have the maximum efficiency, they did not take enough care about contingencies.

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