WF, you have your opinion and I have mine; they need not agree, in fact that is the very essence of debate. I just hope that you don't find my views insulting and condescending. I am sure that time will tell that you have made a great number of very valid points but it would take a better person than I to discern them at present.
I think that we have had our debate and I wish you all the best for the future but am unable to share your model of the world.