Instead of trying to reverse the financialization of the economy, a more effective national strategy is to ensure every citizen benefits from it. By creating systems for universal investment in assets, the government can align the interests of the average person with the wealthy, mitigating the 'K-shaped' economic divergence.

The wealth gap between asset owners and wage earners, once seen as a temporary economic trend, is solidifying into a permanent societal structure due to AI. This shift makes upward mobility nearly impossible for the 90% of people who do not own a diversified portfolio of assets.

There are two distinct economies operating simultaneously. Those with a capital base (equities, real estate) can use financial engineering and leverage to thrive. Meanwhile, individuals relying solely on wages are being crushed by inflation, as their income fails to keep pace with rising costs.

Printing money doesn't create value; it inflates the price of finite assets like stocks and real estate. Those who own these non-inflatable assets see their net worth skyrocket, while those holding cash or earning wages are robbed of purchasing power, creating a widening wealth gap.

In an unpredictable AI-driven job market, the most reliable path to financial security is not a specific skill but owning assets. This allows individuals to participate in the massive wealth generated by the technology itself, providing a hedge against inflation and potential job displacement, and avoiding a future of dependency on government assistance.

Understanding money, inflation, and assets is a critical skill. Without it, you become a passive participant—an NPC—in the economic game, where inflation erodes your earnings despite your hard work. Asset ownership is the primary mechanism to escape this trap and actively play the game.

As AI concentrates wealth toward capital, holding cash is a losing strategy. The most critical financial shift is to convert earnings into ownership of uncorrelated assets like equities, real estate, and Bitcoin. This strategy is essential for survival and prosperity in the new economic paradigm.

Schools teach us to earn a salary, not own equity. The home you live in is for making memories, not money, and is an inefficient way to build wealth. True financial independence comes from owning equity in assets that generate income and appreciate in value, a concept rarely taught.

Analysis of delinquency rates revealed that high-income earners were initially seeing the fastest increases. The key differentiator for financial stability was not income but wealth, particularly homeownership, which provided a financial cushion against economic shocks.