To be honest, many people don’t hold. Many are here to help them with their financial needs.
Which is also an overplayed factor, the holding part. Don’t hang in too many chambers with only echoing walls.
There’s what would be best and there’s the reality. The reality is that no matter what is best model we can design is a theory, not necessarily what people actually need for/in life. Both can be compatible but it is very important to realise and accept the second. Even if only because it broadens one’s knowledge.