One size fits all doesn't fit all when it comes to your T-Shirt or hat, so what makes you think that there is anything in life that fits a one size mentality?
One size rarely if ever fits all for pretty much everything in life, but here we are focused on finances and specifically your personal finances, so let's focus down on that realm for a moment.
No matter what the gurus and product pushers would have you believe, there is no single product (or even service) that is appropriate for everyone nor are there any products out that that are appropriate for no one.
There are some great concepts, ideas, and strategies that may be universal or at least close to it, but there are no one-size-fits-all solutions in the finance and insurance worlds, especially when you are talking about a specific product or family of products.
Same is true on the opposite end of the spectrum. Financial services and insurance are highly regulated industries at the state or federal level or both. There is no way that the regulators would let something continue in the marketplace and be sold to consumers if it was wrong for everyone.
There are some solid concepts that are generally applicable for most people and/or in most situations, but nothing is universal, so STOP listening to the so called self-proclaimed gurus on your <insert social platform of choice> touting a golden-ticket solution that is right for everyone no matter what.
That’s a bunch of BS, and they have an agenda in telling you that. Figure out what their agenda is, and you will have a better understanding of why they are saying what they are.
In most cases that agenda has to do with how they are getting paid or to a much lesser degree what their personal biases are. It could be that they are being directly paid by earning a commission or affiliate fee, or it could be more indirect like advertising dollars from whoever is funding their business and/or lifestyle.
Rest assured, they probably aren’t promoting something with your best interest in mind, but rather their own.