>why are you then owed money? Why is that a fair expectation?

Essentially everybody in the US is continually trying to make their fortune by picking a winner instead of adding productivity and value.

Have your house appreciate.

Pick the right stocks.

Invest in the right company.

Become a landlord in the right neighborhoods.

Everyone wants to be a genius speculator instead of doing work.

I mean, agreed. And I don't think you can disentangle that from the fact that working is less beneficial to workers than it's ever been.