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Originally Posted by Robbie
You mean I don't have it correct according to YOUR opinion.
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this is not my opinion - these are RULES what you learn when you study economy.
and sure - a part of this rules are just school knowledge what are practically not working. but after more than 40 years practical experience I know the difference
between theory and practice.
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And I know that you have formed your thoughts based on your own life experience and education.
So have I.
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that is correct but i look at the global connections and steps what lead to a result and you look only the result.
you can compare that with someone who receives a bad meal in a restaurant he is correct when he says it is bad - but only a cook can say WHY it was bad and WHAT went wrong.
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Going with what I think has been very successful for me in my career. So, with no disrespect...I'm gonna continue to come to my own conclusions. 
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that is your decision - you are still a free man and i would be happy for you if that continues.