> and from a purely logical standpoint, the correct thing to do is put everything you buy on a 0% loan for as long as possible.

Only because the financial system is rigged in favor of capital owners. Targeting 3% inflation is a death sentence for the middle class when you have fractional reserve banking (coin clipping).

They print money and constantly devalue labor while increasing their own wealth simply because they own things. That anyone still defends the fed or modern monetary policy is deeply concerning, and those that do should be regarded as evil and parasitic.

Every major religion has usury laws. Maybe we should respect chestertons fence a bit more.

I think the biggest failure is not having economics and finance classes be part of core curriculum. The amount of confusion and misunderstanding from forcing people to personally figure out the system is totally crazy.