@thibaultamartin I think people understanding more and more, money is the most expensive thing long term and the longer you leave it (or any money in the hands of banks) the overall debt to society multiplies like giving a cancer (represented as loans reloans on loans as savings, debt and all money). That's why people don't take out debt AT ALL sometimes.
The first step to taking debt IS the TRAP and the spawning of more debt from your money, their money, ALL money which has lost reality and now just sucking in people's work and nature itself from people needing to pay it ALL back with even more % spun in every direction and catching as many people into the game it can.
No new 'features' etc are going to save us from that and arguably "we have enough tech" unless that's another forever game and we're not going to work actually on / with humans and their improvement in logic (which includes understanding money in the first place because many don't even if wary of it).