first off... you have no right to say someone isn't thinking straight. much of the same argument can be made for your defeatist pessimistic attitude. Do you drive a SUV? does your wife have fake boobs? there are numerous "investments" that people make on their own free will, upon which many might say give no return. however, those who make them may say otherwise. Self confidence, which you appear to not contain, goes a long way in the world.
how can you guarantee everyone who has an HT will have a "scarred up head" and be broke in ten years? i know many people who're balding, and they wouldn't even blink as to lose a few grand on an ht or two.
have fun being old and bitter sir. costanza is it? either way i don't really care, i try to keep the negative out. don't expect a response back from me when you post attacking me and my denial ridden broke and (in the future) "scarred up" head. you won't get one.