We also have usury, private credit rating services, transaction reordering, payday loans, charging the unbanked to cash their paychecks, required minimum balances, dark patterns, zombie subscriptions, and probably a dozen more grifts.

Our economy is now financialization of everything, rent seeking, wealth transfer instead of wealth creation, ad nauseum.

I'm nostalgic for when we could create wealth by making and doing, and punished people for stealing. (Perhaps it was never true, I've always been delusional.)