"I’ve advised people to get and stay out of debt for a long time, but even so, I didn’t fully understand the affects of debt until the Covid time. As the mayhem spread, I struggled to understand the level of compliance with what would have been, at any other time, criminal medical advice.

Certainly compliance was driven by massive applications of fear. And, certainly, it was accompanied by exceptional levels of guilt, as in “You’ll be responsible for killing Grandma!” Still, there was more to it, and that extra piece, I soon enough realized, was debt."