Yeah, we may be at checkmate. Unlike the end of the age of the robber barons, when we reformed capitalism in the late 1800s / early 1900s in the US... this time the capitalists have purchased enough politicians to stop reform completely and forever.
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Indeed. As evidenced by the fact that doing things that are money-smart (in general, stuff that amounts to avoiding debt) is actually harmful to a credit score. The powers that be want you to consume on borrowed funds.