All of capitalism boils down to something like the terrible terms of a gym membership you can't afford to cancel that was sold to you via some very special deal with obscured fine print.

The tendency of the rate of profit to decline paired with market share capture is a doom spiral that exists for the benefit of financial interests to skim off the top.

The point of the system is not to incentivize human productive activity, but to hoard more tokens over time, so material reality quickly loses currency.