It’s also funny how “experts” say things like this all the time and nothing much seems to happen.

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Something bad does happen to the system that has to be papered over at the expense of the people while exposing it as a complete fraud and yet the people let it happen over and over without protest because ?

Because they’re exhausted and don’t know what any of it means. They just want to buy groceries and pay their bills and not get fucked over for retirement.