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Yep, its a fraud, and when the folks figure that out they are gonna be mad.

Not much hope of that now, but as the wealth disparity strikes ever lower on the economic ladder, the chances of convincing them they can simply keep working, while refusing to pay, and the world wont explode, increases.

and do not forget.... subjectivity of value, which too increases the market' volatility

(sorry for typos, I am kinda dyslexic)