A look at how modern money actually works, and why the system is built to push people to spend rather than save — a setup that rewards borrowers and asset owners and punishes savers.

• Every major economy runs on Keynesian thinking: left alone, economies crash, so governments and central banks step in.
• The tools are always the same — cheap borrowing, low interest rates, deficit spending, and pumping new money into the system.
• The goal is to stop a collapse rather than let the market clear, even when that means piling on debt.
• The side effect is inflated prices for things like housing, which turns more people into permanent renters.
• The defense of it: constant spending is what pushes companies to innovate and build better things.

Outlook: As long as the same playbook is in use, expect more debt, more money creation, and rising prices for hard assets.