" Borrowing and short-term living are rewarded while long-term relations are punished. The socially devastating effects of this are obvious."
Not to many. I have long been aware of the immoral purposes of this financial manipulation of 'consumers', and have had to practice considerable restraint in order to keep my internal house in order.
It is far easier to go with the flow - which is a large part of the purpose of such economic pressure.
Thanks for your insightful comment!