That too. The debts basically ensure that people have no choice but to "move where the jobs are" (which the reptilians tell us is a virtue) and work 65+ hours per week. Everything that took so long to build gets destroyed in a year or two and it doesn't come back.

Eventually, people realize they were cattle being raised for slaughter, and that "the corporate ladder" isn't going to lead anywhere decent for them because they weren't born into the right connections for that, but by this time they've had all their energies wrung out of them and it seems to be too late.