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Capitalism is nothing but a giant pyramid scheme.
(infosec.pub)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
I think the point isn't debt my man,l'm thinking OP means capitalism sells you the "if you work hard and play by the rules you too can be rich" as your buy-in. That's the scam.