I'm more concerned about the discrimination in finance/lending, which is thoroughly entrenched at this point. Anyone can borrow $50,000 for a new car, $500,000

I'm more concerned about the discrimination in finance/lending, which is thoroughly entrenched at this point. Anyone can borrow $50,000 for a new car, $500,000 for a new home, or $5,000,000 in venture capital if they are connected enough. But there is simply no money available for anything outside of mainstream status quo thinking. That's why the Ubers and Airbnbs and WeWorks in these times are founded on hustling and even skirting laws in some cases. That's great and everything (I guess?), but I am personally tired of the hustling/hacking mentality. I'd like to see real progress in the standard of living for everyone in the world. That's founded on the idea of self-actualization, that everyone has the modest resources needed to start their own business or invent the things that help themselves and their communities. How many people here have been on verge of financial ruin trying to get their ideas off the ground? I've been up, I've been down, but overall I've basically been running on empty for over 20 years. I'm tired of it. I didn't expect my career to turn out this way. And I'm deeply concerned about a looming recession forcing otherwise capable, intelligent people to scrape by underemployed, doing menial work to make rent because there isn't enough capital flowing. Because it's all locked up in a few wealthy peoples' hands, who have a very Laissez-faire view of economics. All of the above is why I'm almost certain now that hard times are coming as early as next year. I've already been through it twice with the dot com bust and housing bubble popping, and we're overdue for the next downturn. ^^^ Note that this wasn't always the case. There were protections in place like the Glass-Steagall Act that lessened these boom-bust cycles, which were overturned by the Gramm–Leach–Bliley Act and others. What we've been going through with this vast increase in wealth inequality is by design. I was born in 1977 so I remember when it wasn't this way. But many of you reading this now were born after the corruption was instated and might not realize how honestly affluent middle class Americans felt in the 1980s and 1990s. It can be that way again, but please, look beyond private sector solutions to these problems. The government is We the People, not some specter out to get us. I know that many of you live in Silicon Valley and other big cities that suffer from high taxes or government micromanagement, but I live in Idaho and have seen how the lack of government can lead to widespread poverty and environmental degradation. Laws can change and movements do happen, which is why I'm optimistic that reforms are also coming and that we might finally see some relief in the 2020s.