Did I say mandatory? I meant optional! You’re “free” to die in a cardboard box under a freeway as a market capitalist scarecrow warning to the other ants so they keep showing up to make us more!
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That’s how the rich get richer. They never gamble with their own money. They gamble with other people’s money, secured (hah) by their assets.
Yes a minority of us peons who are privileged enough to own property or lots of stocks can play-act like they’re rich by taking out reverse mortgages or doing options trading, but it’s nothing like what the actual rich can get away with.