I don't think we need governments to address this problem except for guaranteed basic income or a negative income tax. Technology can be used to address many of

I don't think we need governments to address this problem except for guaranteed basic income or a negative income tax. Technology can be used to address many of the problems created by technology. What I don't understand is why technology hasn't been used to help unskilled workers negotiate? Tech is a lever and it looks like only one side is using it effectively. The only explanation I can think of is that anyone who spends the time to learn how to use that lever effectively, simply moves to supporting the other side of the issue because they feel entitled to the rewards that come from their effort learning their newfound power. One of the most maddening things we have yet to use technology to solve is eliminating all the middle men in the banking industry. Banks borrow at ridiculously low rates, but tack on a significant amount of interest when lending to final consumers. I don't see why we couldn't reasonably automate lending directly from the government at a few percentage points above the risk-free rate. Obviously, such lending would have to begin with the lowest risk loans with land as collateral.