Keep in mind it's a feedback loop, such that the assets and debts are distributed throughout society. Think how many retirement funds are invested in mortgage and student loan backed securities. Basically it is paramutual wagering, where the house skims off the float. So it's in their best interest to create as much financialization of the society as possible.

Consider that in the old days, adults raised, educated and passed property, aka, houses, to the next generation, then being cared for in their old age. So by driving all this organic networking and regeneration through the financial system, it enables those running it to skim off as much as possible.

Consider one of the main mechanisms of colonialism was driving the colonized territories into using the currency of the colonizer, such as with the stamp act and the Boston Tea party.

The term "divide and conquer" essentially refers to keeping society as divided and atomized as possible, to distract from the economic mechanisms of control and predation.

Though they really are going seriously overboard this time and the larger population has become educated enough to start to see past the curtain.

As I say in that essay, there was a time when government was essentially private and now banking is having its, "Let them eat cake." moment.

We need to understand the basic circularity of nature, in which our linear, goal oriented vision is like thinking the earth is flat, because that's how we experience it.

Here is another essay, trying to dig deeper into the process;

https://medium.com/predict/peeling-the-paradigm-1ceab7e774b0