It is FIAT money. It incentivizes monopolies and an illusion of choice. If you have two companies to choose from and they both milk every last dollar from you and train their employees to do the same and your only recourse is to get dicked by the competition instead they will all natural dollar what maximizes profit. Profit comes from treating you like a cash cow not a customer.

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💯…Fiat distorts everything. From money to markets to morals. It rewards extraction over service, scale over soul. In a system built on endless inflation, you’re not a customer, you’re the yield.