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when all the financial incentives are for owners to automate and now AI, send jobs overseas, pay as little as possible, while investing in real estate, meaning they can put a down payment on a building, charge as much as possible and have the tenants pay off the mortgage, who consequently will never be able to save enough money to own thenselves, then the system is the problem.

There will always be bums. There are also a large number of mentally ill people and a large number of damaged vets plus a large number of untechnical people who, if they could just make a few bucks pushing a broom or moving boxes and get a bed in a flophouse, would be still be able to maintain some semblance of a life.

Instead unrestrained capitalism with absolutely no morality has been allowed to destroy Society.

The system is the problem

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when rents explode and wages stagnate it is the system's fault

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