[hansword]

I hope you don't take this the wrong way, but what you write is both very interesting and very confusing.

The 'difference between well-financed and in-debt' is very clear and to-the-point, this is excellent writing.

The long 'if you consider this, if you consider that, post-Westphalia' paragraph in the beginning is not. Could you perhaps summarize the first part? What exactly do you want to say? How do 'customer loyalty programs' and 'Industrial Loan Company affordances' and 'privatized UBI' and 'replaces credit cards' fit together? How did Westphalia slip in there? I am quite convinced there is a coherent idea here, but your writing fails to communicate it. Or at least it failed to communicate it to me.