Yes, it was as if an entire generation of Americans consented to hopping aboard a giant hamster wheel of accumulation, all striving toward the imaginary objective of acquiring enough stuff and a pot of money big enough to sustain a comfortable level of consumption through to the grave.
And with the help of behavioral science (plus the mere accumulation of experience that people gain using the exchanges), I expect the second or third generation of exchanges will be less likely to create choice overload for potential customers.