It tends to be geographic, so if you live in a region that’s able to deal with lactose, you’d have the impression lactose intolerance isn’t super common. But entire regions are lactose intolerant, like Southeast Asia (including China) and about half of India.
Basically anytime you see dairy as rare or non-existent in a region’s traditional cuisine, that’s why.
From what I’ve read, 65+ was about evenly split Harris-Trump in 2024. 40-64 broke decidedly Trump. If the markets (and 401ks) manage to bounce back by the time the 40-64 cohort largely enters retirement, I fully expect they will have learned absolutely nothing.