This is a very ... disappointing end to this conversation. My point was, not that you said "the last 20 years", but instead, I am saying that credit as a basis

This is a very ... disappointing end to this conversation. My point was, not that you said "the last 20 years", but instead, I am saying that credit as a basis of US style capitalism, has existed for 20 years. And I go on above, to explain why.