Recently, I came across a pretty interesting question: Why are there so few people with 300,000 in savings, but 300,000 cars are everywhere?

There’s actually a phenomenon behind this worth discussing — I call it the "300,000 Magic Curse." When individuals or families accumulate around 300,000 yuan, their mindset often becomes volatile. Some people, due to temporary psychological inflation, external temptations, or cognitive limitations, fall into traps of irrational consumption or high-risk investments, causing their hard-earned wealth to rapidly shrink, sometimes even returning to the starting point.

Honestly, in the Web3 circle, many people do make a lot of money. Youthful bravado and the pursuit of immediate pleasure are also a way of life; I’m just sharing my thoughts. But the problem is, there’s a deeper logic at work behind this.

There’s an unspoken consensus among capitalists worldwide — they must do everything possible to prevent ordinary people from accumulating "primitive capital." What is primitive capital? Simply put: once you’ve saved enough money, you no longer need to sell your time and physical strength, nor be forced to participate in social labor. Relying solely on passive income generated by capital, you can live freely — that’s the minimum level of financial freedom.

Many people’s imagination of "financial freedom" is exaggerated, thinking they need 30 million or 50 million yuan. But in reality, if your consumption desires are low and you can live comfortably spending just a few dozen yuan a day in a small town, then even having only one million yuan in the bank is enough to free you from the necessity of working.

But this is precisely the scenario that capitalists fear most. Once ordinary people have passive income, who will work desperately and keep creating value?

At the end of the day, the financial system itself doesn’t create wealth; it merely redistributes people’s deposits. The real purpose behind various financial operations is to continuously channel ordinary people’s wealth upward.