We need to stop using the word "savings" when we really mean "money we lend to bankers for interest."

We need to stop using the word "wages" or "paycheck" when we really mean "monopoly credits I tell my employer to lend straight to a bank for interest"

Having a 3rd party outside of your relationship to your employer/customers take all your income is fucking insane, but everyone does it because no one was taught how money works or what it is.

Anyway we see a similar dynamic with streaming subscription services too.  Seasons of TV shows got shorter, which cuts production costs, but thanks to the sub model, they also air in multiple split up parts over a year, which boosts subscription revenue.  The result is higher profits for netflix et al, but also (generally) shittier shows.