People who only deposit their money in the bank are, in essence, heavily shorting the global economic development, betting on long-term deflation in the future, with all kinds of assets collapsing across the board.

Those who pass the civil service exam and land onshore into a government position are betting on the long-term stability of the national system—essentially holding a long-term option on a bullish national governance system, with lifelong downside coverage.
Pursuing further studies and advanced education is a high-leverage life investment in the education track. You use years of youth and massive opportunity costs to compete for the diploma-premium dividend that is being continuously eroded and devalued.
People carrying a 30-year mortgage are heavily invested in a development ETF tied to a city, using leverage over half a lifetime to bet on that city’s regional economy taking a long-term upward trajectory.
The vast majority of ordinary people, throughout their lives, never realize that they are already sitting at the huge betting table of life.
Personal views do not constitute investment advice.