[omonra]

I mostly agree with you (99%) except the part about 'Rich bankers robbing poor people'. The bankers devising this are not rich - they are very much middle class MBAs who are struggling to meet ends meet, what with high cost of property in good school districts, etc.

It the same guys who develop devilishly complicated cell phone plans, cable tv plans, drug packets that are 8oz big but contain 4 pills that would fit in a 1oz packet, etc. There must be an MBA school course 'How to screw over people with IQ lower than 90'.

What i'm saying is that it's not a rich vs poor but rather intelligent vs less so (or just people who fail to pay sufficient attention).