Sadly, I cannot de-zap you - I accidentally zapped this comment, and I'm just pointing that out because this is a fucking idiotic comment and I would never have done so intentionally.

"$16K or $65K, doesn't matter, it becomes insignificant in the long term" -- yeah, tell that to people who are financially struggling and have bills to pay.

You do realize that what you are saying in your post here is actually advocating for DCAing, no?