Thank you for concise appraisal of Ray Dalio's analysis of the current finical system:
a) Money if is free for those credit worthy and at the top.
b) Government debt. We see the UK parties are promising hundreds of billion of pounds in the current general election campaign.
c) Pension liabilities.
d) Cantillion effect.

THIS CANNOT END WELL.

As you said, keep and invest your money outside the central banking system where it cannot be debased.