Contemporary young people are not trapped by a single high-cost choice, but are gradually weakened by a more covert mechanism: First, using fragmented entertainment and instant gratification to cut away focus, causing people to spend their most compound-interest-worthy time on brief stimulation; second, destroying willpower with stories of sudden wealth and quick success myths, leading to undervaluing long-term accumulation and fundamentals, and falling into a cycle of impatience and unachievement; third, gradually draining cash flow through various installment plans and feeless consumption, causing people to lose savings awareness and risk buffering ability. These three form a closed loop: without focus, growth is difficult; without willpower, long-term accumulation is impossible; without cash flow, the power of choice is lost. Ultimately, in what they think are proactive choices, they exhaust their time, abilities, and wealth.