It’s the intersection of a cost accounting economic reality and a Banking and Financial Monopoly.

Excess costs like depreciation etc., diminutions of money from the circular flow and reduction of individual income due to innovation and AI meet the self interested refusal by the Banking system to create any vehicle of distribution of money save a loan which of course adds to the costs of the system, continually builds up debt and hence prevents the actual resolution to the problem which is a supplemental gift of income to the individual and a means of halting and reversing the cost inflationary nature of the system.