A lot of these things have sadly started in the last few decades. Credit scores were never a thing before, yet they are everywhere now. It’s sadly the ratchet effect - where these things go forward instead of backward.

I do have hope though! We’ve been in these situations before and one of the things that’s important is that collectively, we are MUCH stronger than we are separated. This is why they try so hard to divide people so we fight like rats over a piece of cheese instead of turning our attention on the very small number of people who are keeping the gate locked and the bits of cheese tossing in every so often.