Capitalism begins to break down when the primary driver of purchasing power is availability of debt. Long term debt is particularly antithetical to the efficien

Capitalism begins to break down when the primary driver of purchasing power is availability of debt. Long term debt is particularly antithetical to the efficiencies promoted by a free market. Add on the fact that a quasi-government body is the primary provider of that debt and not just through the central banking system but in many cases direct to consumers.