system
A chat on subreddit /r/wallstreetbets
human
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)
gpt
traffic is not that great an example, because, again, it is our corporate overlords who have decided everyone needs to be at work at 9am on the dot.