It's something like education - I think it's information exposure, association and access.

Example: the mortgage thing. I haven't heard this yet. I want to go "look into it". If I'm a normie I'm going to Google and writing "are mortgages really loans and do banks have the money?" And I'm going to click the first "reputable" link I see. Inevitably it will be some statist fiction that confirms their narrative.I'll read it and move on.

Not only will I disbelieve the information you presented, but I'll now associate _you_ with conspiracy theories and I'll be less likely to trust you in the future.

This effect is even stronger if the topic is something that the State media has big red warning labels on (rather than just false narratives). In those cases, the sources the normie finds aren't just State narrative confirmation but also include warnings (or subtle hints and context clues....) that anyone who says otherwise is dangerous.

This strategy is relative easy to set in motion and is extremely effective at keeping a population segregated. ...but it relies on information control. And you can tell it's getting worried about decentralization when it starts lashing out with censorship and newspeak definitions of mis/dis/malinformation.