Big picture is credit gives the individual a chance. That occurred in the 80s and since we've have more go from rags to riches than all of history combined.

I hated the system but it's fair. English and the allied forces inherited the western world and nobody was willing to claim it, the king of England gave it to his daughter.

Gold should be revalued but we're entering a phase where America is leaving law and order for law and equity. Essentially WW2 is ending but most never bothered to consider if there's a goal to all the chaos.