That doesn't sound right either.  I've been in since 2013 and I'm doing just fine, thanks.  And the people who got in before I did are doing even better.   That's the complete and total opposite of what you're suggesting.  It's been an incredibly shrewd investment for those who had the sense to get in early and also had the fortitude to stick around this long.

Do you deliberately make your posts sound as though you haven't got the slightest clue what you're talking about?  Or does it just come naturally?