Yeah, I think it ended for many around 2004/5/6. If you hadn’t got on the “housing ladder” by then you were effectively screwed. Those keeping up with the fiat system are literally in the top 10% or so of workers/earners now. That’s a shed load of people who are not keeping up… And yep not really sure how this changes besides actual revolution. Like you, I’d love to see this change. I can only envisage smaller communities and perhaps only local government. Community farms supplying local areas, people getting involved and helping each other in their community. But I think human greed (and the want for power) is such a powerful force that this would probably get disrupted / corrupted over time too.