This is the capitalist economic system and it is disgusting. At its root is a 300 year old privatized monetary system that extracts wealth every time you buy something, 40-50% of the cost is interest charged along every step of production, that is on top of what you have to pay to use a card. It is a usurious scam that should be ended. It issues all money as interest-bearing debt. We need a public money system that issues money as an asset for the common needs of the nation. monetaryalliance,org