or if there is the wish, the actions taken are not up to the level needed to achieve that
Spreading the investment too thin, when it is already not enough. People are using the substitutes that are counterproductive, because they are "cheaper" than what is actually required. It is like using a tarpaulin as a roof, to protect against a hurricane.
And there we go, back to the financial subject, where most of the people are undertrained, thinking that cheaper and often is better than expensive and high quality, as there are quite few trying to get into with expensive and low quality, exploiting another bias.
And when this mentality leaks into normal life, you got second hand food, second hand clothes, second hand health.
Not even second hand - "replica" might be a better term. wax bananas, plastic people, repackaged sickness.
Reminded me of the clever people that sell bananas with no peel wrapped in plastic. Made you think, if only there was a way to have bananas without plastic, in some yellow natural peel, haha!