financial products and services aren't "something". it's exactly nothing. the average person is too poor to even take advantage of most of those, and with each generation less and less people get anything out of the economy while the top become richer and richer as the sector expands.  the reason the whole system is so vulnerable to interest rates is debt. everything is built on infinite debt - the financial security of future generations is being spent to benefit the people who are alive now and buy their votes. specially people who are old, because even current generations are already getting fucked.
Estonia