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Consumer debt is a private tax on being poor.

If you simply raise prices so high that people must borrow in order to access basic goods and services, then you can also collect rents on their obligatory borrowing.

For example:

1) The state makes jaywalking a crime and builds car-dependent infrastructure, forcing everyone to purchase cars in order to access basic facets of life.

2) Car sellers can raise prices on cars, which are now obligatory to own.

3) Lenders can then extend credit to purchasers to finance these obligatory cars, collecting free rents off this artificial obligation.

4) Car sellers and lenders then merge, allowing the same capitalist to profit off the inflated sale price and your inability to pay for that inflated price out of pocket.

#capitalism !