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The human beings in America have become, for the most part, obsolete - like a really old computer, the amber screen kind. The people who have all the money, and own all the land, and all the corporations, don't have to create work for the rest of us in order to get the things they want - and they won't (and shouldn't according to the rules of the game) hire people out of the kindness of their hearts.
Did you ever play monopoly when you were a kid? There's a lesson to be learned from that game - it's the same one you're playing right now and you are probably not winning.
If we, the plebes, could find something the big money folk really needed, they'd hire us again to get it. As soon as they had it, or could get it cheaper without us, they would fire us again. Look at the industrial revolution, did average people's lives really get as much improvement as the lives of those at the top? You are also competing with machines now, FWIW.
You can't fix it with band-aids, or stitches, or anything of the kind. Giving the money straight to the big bankers just cuts out the middleman (us) - they were going to get it anyway, usually within a few months. Edison kept the inventions of his employees and patented them for himself, still happens in International Megacorp everyday.
The system you've been sold since you were born as the perfect system for supporting human life is, and always has been, fatally flawed. I suspect the system itself will be changed to something a bit more egalitarian, or there will be a whole lot of ugly on both sides.
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