Normally I would agree with you - but Obama and dems are trying to prop up the price of tulips - and for those who lost their shirts buying $400 bulbs he's coming up with refinancing scams.
In short, the "smart money" is waiting - they know better. Tulips are not viable.
The "not so smart money" has been putting their toes in the water for some time - only to have them frozen off. You're right in the looooooong run - but we're not there yet.
Excellent analogy.
Fortunately, I've got time to wait.