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May 25, 2023·edited May 25, 2023Liked by Andy Spears

A "necessary element" is entirely dependent upon one's perspective and I am confident that you will heartily agree that for us consumers it is actually an unwanted element; whereas for corporate greed industries it is an unnecessary but altogether desirable element; it is also an essential element in the more or less little discussed reality of the fact that a super-majority of financial services, in much the same way as rental property businesses, are modeled on the fact that it is not the actual costs of any one financial product or rental service that drives and sustains corporate profiteering, no, ultimately it is the artificially created system of continuous consumer debt that produces the desired bottom line for proponents of greed.

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On a separate matter I just posted a note with a question for you.

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