Buying organic baby carrots in bulk and packaging them into reusable cloth snack packs is more expensive AND takes longer than buying baby carrots wrapped in extra plastic thatyou can just grab and throw into a lunch box.
If I understand you correctly, your primary reason for shunning equities isthat the incontestable need for baby boomers to liquidate their retirement savings over the next few decades while fewer young savers come in to take their place will necessarily put massive pressure on equity prices.