Those are all factors, but the fact that many card shops are going out of business is also a major factor. I was probably most intently focused on collecting a few years ago, when I could go into my local shop and spend countless hours talking about cards and buying cards ect. And at that same time, due to my interest in the hobby, I bought many cards online. But when my local shop closed, my interest in the hobby dwindled and with it, the desire to buy cards online or elsewhere. In fact, I probably wouldn't even collect cards if it weren't for The Bench and other online communities. I'm sure some people had the same problems as me, and just stopped buying cards due to a loss of interest, whether it be because of money or otherwise.