If, by “agency” you mean gov’t agency it doesn’t matter (might even beneficial) because the more inept they are the sooner they will be shut down. When the collapse comes, they will be the most 2nd most harmed after the welfare-dependent population.
It looks like "agency" means advertising agency on that site. I'm having visions on Don Draper smoking, drinking and griping about the young staff in the copywriting department.
This seems to be about advertising agencies, but I could be wrong.
It is ironic to think that the millennials may end up being the next "Great Generation" because they will suffer the most since the Great Generation. Hard times, rampant unemployment, scarcity, hyperinflation, etc. These life stressors will harden just about any generation. The difference between these two "Great" generations is that the latter will be able to text mom and dad when they actually do get a job.