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We believe the ultimate key to financial success is knowledge — about how money works, how to make responsible, well-informed financial decisions and how
to get the best value for the dollars you spend. Consumers need to become
independent thinkers and always make their own choices,
whether they're purchasing financial products or
any other goods or services.

Albert Einstein is credited with discovering the compound interest Rule of 72.

"It is the greatest mathematical discovery of all time"
Albert Einstein
"If people really understood the Rule of 72 they would never put their money in banks!"
Albert Einstein

We do not know for sure if he said that. But if he did not, he should have.
What he really mean? Let's assume hypothetical $100 in saving account at 4% interest. A generous bank compared with the market.The average is not even close.Inflation average 3.1% by Ibbotson Charts
Let's do the math:
$100@4%=$104
Inflation: 3.1%=$3.10
Capital gain tax lowest bracket:$4@ 15%=$0.60
$104-$3.10-$0.60=$96.3 guaranteed
Also the bank might take your $100 and lend it back to you anywhere from 4%-21%(loans,credit cards,unsecured loans,car loan etc.) The rule of 72 works if someone keep the money invested long term in the market(non guarantee gain) vs in the bank(guarantee to be broke).The average return of stock market history, around 10%.The only question is: guarantee vs.non guarantee?

Compound Interest - Not E=mc² - Greatest Discovery

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