Comrades! Behold the staggering hypocrisy of the banking houses! Even as the central authorities might whisper of a softening in rates, the great monopolies of financial capital remain as cold and unyielding as the iron bars of a debtors' prison. It is a scandalous state of affairs: three out of every four honest souls seeking a loan are cast aside with a callous wave of the hand.

One Mistress Bakaeva, a legal practitioner, has seen fit to offer 'advice' on how to navigate this labyrinth of exploitation. She observes that those few unfortunate wretches who are granted credit find themselves shackled to terms far more oppressive than the market average. Why? Because the bourgeoisie, in their insatiable greed, seek to insulate their profits by baking the risk of the worker's desperation into a ruinous interest rate.

"Not a single grand bank," she warns, "shall grant a loan upon fair terms to a client with a poor rating; they shall merely use that vulnerability to tighten the screws of the final rate."

And what is the remedy offered to the proletariat? To prove oneself a 'model' subject of the capital system! We are told to keep our debt burden below fifty per cent—as if the hunger of the belly could be managed by a ledger! We are cautioned against the folly of opening multiple cards or beseeching two banks at once, for every refusal is etched into the credit history like a brand upon a criminal, further lowering one's standing in the eyes of the money-lenders.

Thus, the system demands that the worker be nearly free of debt before it permits him the 'privilege' of entering a new state of bondage. It is a cruel game played by the rogues of the financial district to ensure that the yoke of the usurer remains heavy upon the shoulders of the laboring class.