system
A chat on subreddit /r/wallstreetbets
human
Actually that is the conspiracy. That’s literally how the rich keep getting richer. As they are intricately tied to these large financial institutions for obvious reasons, they know to just hold every time there’s a downturn in the economy. The average Joe, with no formal financial education (since it is intentionally left out of the school curriculum) does what anyone encountering a frightening market with no knowledge of it and in his lower financial position would do: sell at a loss to ensure he has some money still at the end of the day. After this, the governments who often times create these crashes themselves through poor management, suddenly appear to “hear the voices of the citizens” and begin printing money to “relieve” the economy, thereby inflating the dollar on top of the economic recession. 

After all this, average Joe feels relieved because he has the same amount of dollars in his savings again, while not knowing that he forked over all his assets during the crash (assets are way more valuable than cash because of the mechanisms I just outlined), and that even though he has the same amount of dollars again they are worth far less. Average Joe then joins everyone else grumbling about the cost of basic commodities continuously rising. Cycle continues
gpt
But that’s individuals acting on their own incentives, not elites conspiring 

It’s exactly the same as when you look at google maps and it says your workplace is 30 mins away, but in reality most people spend an hour cause they’re all in traffic at the same time. The stock market peaking every few years and then dropping is just like being surprised by traffic peaking and dropping. And people are stuck buying at the top and selling at the bottom the same way most people are in rush hour traffic. That’s when they needed to drive (or had cash to invest)