Retirement

”What about retirement funds? Are they the same sort of trap?”, I asked
“Retirement is just a lure. Like heaven or paradise, it is a promise that people hope for. It gives people a sense of security. A feeling that they will be taken care of by the market. It is something they should do for themselves.
People pay into retirement funds which we control. We can take them away for any number of reasons. We also make profits from the interest on their funds. Many investment funds are handed over to corporations in the form of stock investment. We have tied it all to the health of the economy, so that a decline in the economy, results in a loss of retirement benefits. As a result, consumers see a growing economy as their future. Since their future depends on it, they won’t question the economy in other ways. In fact, they will fight to protect it.”
"Many people never reach retirement.", He said. “The story we tell, is that retirement means people who work hard can finally stop working and enjoy the fruits of their labor. The reality is, retirement, for consumers, is the last phase of a person’s life, where they hand over their remaining wealth.”
He took a drink and continued, “During retirement, the last remaining wealth is extracted from an individual. This is done mostly through the medical industry, but also through recreation and retirement homes, mortuary and funeral expenses, and all of the assisted technologies. If it is done right, all of an individuals’s wealth is extracted. Their descendants are left further in debt.” I will never forget he said, “If a consumer leaves any wealth to their descendants, then the game is failing in it’s design.”
“Is life insurance supposed to protect people from passing debt onto their descendants?”, I asked.
“Insurance, any kind of insurance, does not pay any more than it absolutely needs to. It exists to keep people from revolting. It does this, like all businesses, through the maximization of profit. It gives consumers a sense of security, while they are alive."
He continued, "One might get their expenses covered, if they have a good lawyer. The process of filing claims leaves consumers so exhausted. In the end, they often feel lucky to get what little money they did from the insurance industry. They feel relieved that they are not more in debt than they are.
“The insurance industry’s only role is to harvest as much wealth as it can. That has been it’s purpose from the very beginning. To make money off of people’s hopes, fears, and dreams. Ensuring that as much wealth as possible is extracted from them and that the absolute minimum is paid out.”
“So then health insurance is not designed to keep people healthy?”, I asked.
He said with a laugh, “Of course not. It exists to maintain illness for profit. It has always been a way to control treatments, and access to health care. Maintenance of an illness is always cheaper and more profitable than a cure. Insurance won’t pay for a cure. The medical industry would go out of business if it cured people, or worse, kept them healthy."
“Of course, it would not work if it was only one part of the medical industry was extracting money, so there is general medicine, surgery, pharmaceuticals, elderly care, hospice, and all the rest. Each part is extracting as much wealth as it can from every single person.“
After a moment, he continued, “It is not just medicine, all laws and industries exist to extract wealth. Medical standards, insurance, licensing, fees, building codes, all of it exists to extract wealth and control the populations. These things exist to restrict unsanctioned start ups from entering into the market. It controls what services are provided and who profits from them.”
“Where does all this money go?”, I asked.
“That wealth eventually ends up in our hands. It feeds our empires, and maintains the balance. It bolsters the game.”
“Why don’t you end up in this trap?”, I asked.
“We are more intelligent than the consumers. We don’t use normal insurance, or high interest loans. When we invest money, we get interest. When we use services like insurance, we have different routes, and lawyers that ensure we get what we paid for. We pay up front for services. We have our own doctors that tend to our needs. We pay them a salary, instead of per visit. This means that they do not have the same incentives as the rest of the industry. Their only job is to keep us healthy and happy. Our doctors do not make money from our illnesses.”
“We keep our money, and pass it on to our children. That’s one of the signs of superior intellect and breeding, not falling into the trap of debt.”