I really like nostr:npub1trr5r2nrpsk6xkjk5a7p6pfcryyt6yzsflwjmz6r7uj7lfkjxxtq78hdpu ‘s article “Check Your Financial Privilege” for some examples of what you’re explaining here. The piece was an eye opener for me a few years ago.
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It's also a whole-ass book. I liked his latest book, Financial Repression, even better but that gets a bit heavy for non-monetary theory oriented folk.