These questions for the most part demonstrate issues that are not political. A politician cannot write legislation to force anyone to invest their income as opposed to consume it or purchase a car within your means of income. We have very limited control over what politicians or financial institutions do. However, the decisions we make with our own finances on a day-to-day basis are completely within our own control. Therefore, let’s focus more on issues within our own control such as our obsession with material things. A decision to buy flashy cars or expensive clothing is 100% your responsibility. The government has nothing to do with that.
The financial institutions simply cash in on that decision. They are simply feeding us what we asked for. Every business conducts market research and run their adverts accordingly. So, from the business point of view this advert is based on market research.
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