I call this 'the treadmill'. I don't know if its intentional or just a by product of greed but pretty much all 'gatekeeper' industries have financing the raises

I call this 'the treadmill'. I don't know if its intentional or just a by product of greed but pretty much all 'gatekeeper' industries have financing the raises the end price of a product (Don't have car, can't get to work. Don't have an education, can't get a job. Don't have a house, live on the street). If this sort of loan was much more difficult to obtain imagine the change in the end cost of these items.