Psychology

I also know that all of this is an irrational feeling, one that is based on our irrational programming.

When it comes to rational verse irrational, irrational generally wins, and that’s why you have markets that panic and cause devastation. That’s why people irrationally do things (like save money) when the best thing for our market is to spend money. (Assuming that our market is sustainable and sensible, which I won’t stipulate.)