Well, that's a good point. The BUI addresses that. The money men have learned to skim off of every transaction, which inevitably ends up with them having all the money. This is a new thing too.

It's very moral and hardworking of us older folks who lived in a different time and paying loans didn't take half a lifetime. But this whole conversation is about how that world is gone, and young people (in America) are behind the 8-ball.