Correct.
There’s no excuse, except abject poverty, for allowing oneself to run short of needful things when all the warning signs of previous market blips are right in front of one’s face. There are reasons: inattention, laziness, distraction, arrogance, naivety. Finger-pointing and conspiracy theories might soothe hurt feelers, but I’ve yet to see any evidence that there’s some evil plot afoot to wreck Deer Season.