Hmmm, this TMCM is a very interesting thought.

Similar to how the poor are poor (poor in health, poor in thought, poor in reason...)

These TMCM have a postage stamp of allowable thought
so, although they are not as idiotic as the poor, after they learn the correct form of TMCM they just stop thinking.
TMCM keeps them from ever becoming rich.
TMCM keeps them from every making anything of themselves.
TMCM keeps them in perpetual debt.

And the frustrating thing is that these people have the brain power to start thinking,
but they seem to have permanently closed that book.