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Ah, but it's not just credit, it's also investment. Frankly, it's any money that isn't real. But it doesn't even stop there. Money itself has changing value based on myriad factors, and those contributed to our mess. But even before there that... etc., etc., etc. The problem is that the contributing factors to our current problems are incredibly vast, and many are systemic. I don't even know where to begin.
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