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When a line of credit costs 15-17%APR & counting you can bet that people are going to have to start working harder or go bankrupt.

This paradigm is what shifts behavior, no need for mass war.

Further,

Boomers will begin the death cycle very soon, they're all heading to their 70s fully jabbed.

Boomers are the wealthiest old generation in history, so the wealth transfer will be staggering.

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When the average boomer age is 84, you will have your 4th turning