Efficiency is to do more with less, until we reach peak efficiency and can do everything with nothing.
Basically trade credits and debts, aka, derivatives.
Systems don't fall because the masses revolt, but as they break down, various power centers start fighting among themselves.
It would seem that by the time we got to Biden, the puppet masters had been firing the smart ones that wouldn't do what they are told and hiring dumb ones that would, for so long, it was all just a puddle of mush.
I suspect with Trump, we will find he is last call for drinks. Debt doesn't matter, until it does.
As George Washington put it, the last official act of any government is looting the treasury.
That has been going on since at least Reagan and the roots go much deeper.
Peace, love and turn the other cheek.
Except for the moneychangers, of course.