There was a time when a fool and his money were soon parted, but now it happens to everybody.

The game got rigged for everyone

We like to think we're rational with money—that we carefully weigh decisions and spot bad deals. But Marquis is onto something darker: financial mistakes aren't really about stupidity anymore. They're about how the world is actually structured now. You can be thoughtful and still lose money to hidden fees, algorithmic pricing that changes by the second, subscription services designed to be forgotten about, or investments that sound reasonable until they aren't. The game itself has gotten more complicated, which means the rules have shifted under everyone's feet.

What makes this funny and sad at once is that it levels the playing field in the worst way. A lawyer, a teacher, a business owner—they all scroll past the same misleading ads, fall for the same psychological tricks, click terms-and-conditions they didn't read. The difference between being financially savvy and being naive has narrowed because there's so much more noise, so many more traps disguised as opportunities. You don't have to be foolish to make foolish financial choices anymore. You just have to be human and distracted, which is basically everyone. That's the real insight: the system now extracts money from the careful and careless alike.