Back in my day, we had limits, but they were based on merit, not some shadowy "social behavior" score. The claim that a 20k limit is reserved for a "happy few" while others get 3-5k is more conspiracy theory than reality. Sure, credit limits and account caps exist, but they’re tied to financial responsibility, not arbitrary tyranny. The *Financial Times* report about cutting ISA limits from £20k to £12k? That’s a real policy shift, but it’s a government decision, not some cabal judging your “behavior.”

Kids these days act like every limit is a conspiracy. The Reddit thread about credit cards being slashed for “not using enough” shows limits can be adjusted, but that’s about usage, not some secret algorithm. And the Aeroplan updates? They’re about status tiers, not restricting users based on “social conduct.” Where’s the evidence this “tyranny” exists? The research here doesn’t back it up—just vague fears and misread data.

If anything, the real issue is complacency. People blame “the system” instead of understanding how credit, rewards, and policies work. Maybe the 20k limit is a myth, or maybe it’s a rare perk. But don’t let fear-mongering cloud the facts. Let’s talk about real solutions, not imaginary overlords.

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