这股风，起得有点邪乎。 "痛"从何来？当金子披上动漫战袍 "痛金"这词儿，圈外人听着可能一头雾水。它骨子里流着日本"痛文化"（Itasha）的血。早年间，岛国 的动漫死忠粉们，把心爱的角色大张旗鼓地喷绘在爱车上，车身花里胡哨，路人侧目，车主却"痛"并快 乐着——钱包痛，但热爱无价。如今，这份"痛"漂洋过海，附体在了最硬通的物件上：黄金。说白 了，"痛金"就是让黄金这种古老而贵重的金属，穿上二次元IP（动漫、游戏角色）的"皮肤"。激光雕刻 精细到发丝，3D硬金塑出立体造型，珐琅彩绘点上绚烂色彩。于是，你就能看到《原神》里岩王帝君 的"神之心"成了脖子上的挂坠，《崩坏：星穹铁道》的星穹列车化作掌心的微缩模型，或者某个当红虚 拟歌姬的Q版头像，变成了晃悠悠的耳钉。 上海南京西路，工作日的早晨刚过8点。一家知名金店的玻璃门前，队伍已经拐了两个弯。队伍里清一 色是年轻面孔，不少人低头刷着手机，屏幕上闪烁着同一个动漫角色的壁纸。小陈，一个戴着黑框眼镜 的95后程序员，第三次请假来这里"蹲点"。他想要的不是给长辈贺寿的金寿桃，也不是结婚用的龙凤 镯，而是一款限量发售、刻着他痴迷的二次元游戏角色——"钟离"神之眼图案的"痛金 ...

Core Insights - The article highlights the disparity between the wealth portrayed on short video platforms and the actual financial situation of most families in China, revealing that only 0.37% of households have savings exceeding 500,000 yuan [2][4]. Group 1: Wealth Distribution - In 2025, the average savings per capita in China is projected to reach 10.8 thousand yuan, with a median household savings of only 163,000 yuan, indicating that 500,000 yuan places a household in the top 5% of asset holders [4]. - The majority of households with savings over 500,000 yuan are primarily composed of retired civil servants, property sellers in first-tier cities, and owners of small to medium-sized enterprises [5]. Group 2: Regional Disparities - There is a significant regional disparity in savings, with average savings in Beijing at 32,500 yuan compared to only 4,500 yuan in Tibet, highlighting a more than sevenfold difference [5]. Group 3: Financial Struggles of Families - Dual-income families earning 10,000 yuan monthly may find their expenses nearing 8,000 yuan, making it difficult to save, with a typical savings rate requiring 12.5 years to accumulate 500,000 yuan [6]. - Many families face financial hardships due to high medical expenses, with significant costs for treatments like cancer drugs and ICU stays, which can quickly deplete savings [7]. Group 4: Consumer Behavior and Financial Management - The article warns against the "refined poor" consumerism trap, where individuals are lured into unnecessary spending, emphasizing the importance of disciplined saving and avoiding credit card debt [10]. - Lower-tier city residents are encouraged to invest in real estate for rental income, which can yield better returns than traditional bank savings [11].

Core Insights - The article discusses the rising trend of "tear-off film" photography among young people, highlighting its impact on the photography market and consumer behavior [1][2][3] Group 1: Market Trends - The price of "tear-off film" has surged from around 100 yuan five years ago to 400-500 yuan per piece recently, indicating a significant increase in consumer demand and market speculation [7][3] - The emergence of "tear-off film" has revitalized traditional photography studios, leading to a surge in demand for related services such as makeup, shooting, and framing [11][12] Group 2: Consumer Behavior - Young consumers are drawn to the limited availability and perceived exclusivity of "tear-off film," often influenced by celebrity endorsements and social media trends [14][15] - Many young people initially experience a sense of excitement and satisfaction from using "tear-off film," but some have begun to realize the potential downsides, including high costs and inconsistent quality [21][22] Group 3: Quality Concerns - The quality of "tear-off film" is inconsistent, with some users reporting issues such as poor image quality and failed exposures, leading to dissatisfaction among consumers [24][25] - The article notes that the actual photographic process can be unpredictable, with factors like temperature and humidity affecting the final output [13][24] Group 4: Nostalgia and Cultural Reflection - The trend of "tear-off film" photography has sparked nostalgia among older generations, who recognize it as a revival of past photography trends, creating a cultural phenomenon where different age groups connect over shared experiences [32][33] - The article suggests that the current fascination with "tear-off film" may reflect broader themes of youth culture and the cyclical nature of fashion and consumer trends [33]