^13-14 There is another serious problem I have seen everywhere—savings are put into risky investments that turn sour, and soon there is nothing left to pass on to one’s son. ¹⁵ The man who speculates is soon back to where he began—with nothing. ¹⁶ This, as I said, is a very serious problem, for all his hard work has been for nothing; he has been working for the wind. It is all swept away.