"Who would YOU take more seriously?"
Did you notice Ms Yarrow is a "consumer psychologist", someone trained to employ that august science in the separation of ever more amounts of cash from from the public. Her credentials include being the "Russell T. Sharpe Professor of BUSINESS [emphasis mine] at Golden Gate University". In short, she's a marketing weenie, and you know what marketing is, don't you: The art and science of getting people to buy things they can't afford and don't need, preferably on credit.
This is not to say she's necessarily mistaken, just that I am under no obligation to take anything she says seriously.