Fractional reserve banking practices should be mandatory education for all schools, but only a very small % of the population is aware of how bank loans work. Obviously, this is due to intelligent design via control of curriculum & media.

As far as data collection goes, I think individual personalized AI bots created to analyze all historical data & manipulate individual humans actions & behaviors is coming down the road if not already here.

Your lifestyle & logic make a lot of sense. Perhaps more in the future will follow your lead once more economic & social problems arise from all of this economic & technological fuckery going on.