Well, it is very difficult, because depending on the education that a person has, he/she can decide whether to withdraw or wait for it to continue rising.

For example in my country Venezuela and in all of Latin America, the only thing they teach people is to work for others, and if by chance you get a large sum of money then spend it and squander the money on alcohol, drugs and prostitutes and then go around giving prayers to a stupid lifeless plaster statue to get more money.

In other countries people are taught to work hard and think about the future, and if they get a large sum of money they invest in something that will produce more dividends.

So I would say that everything is in the education of the person.