Agreed on that. The whole system is in a transition situation. From old to new. So its hard to say how things will evolve. I think things will evolve better, but very uncomfortable first going thru the transition. Have various investments.
A long term trend. Learn, unlearn, and relearn. People figure something out. (learn) Later on people modify or change (un-learn) what was figured out. After that, they figure out why it was the way it was. (re-learn)