Your wife is smart.... I believe everything wrong with the world can be traced back to selfishness and the belief every human holds that they are an exception to the rules. Holy Pork Stains! DRNE closed green!
The biggest human condition is Fear. No question. Even greed stems from fear (the irrational fear of not having enough). That's why market corrections are drastic and quick and why most retail OTC traders are easily manipulated on down weeks...