Well I think it's a little different for some of us in western countries where we do this for fun, and a bit of a hobby. People in India and Phillipines do this for a living so they tell lots of people about it. They also use it a lot in terms of the funds more than we do.

I treat it like a 401k where I am building it for the future. I put stuff in it now and have been for years, but don't touch it, similar to here.

I don't love the fact that we've gone away from the physical nature of money but it is evolving quite a bit and we are trying to evolve with it and see how we can make it work.

In terms of neighbors, I've talked to some and in a gentle way asked them why they made a dumb purchase instead of saving the money. It's a decent thing without getting too nosy.