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The other thing no one talks about is subscription services. It feels like everything these days instead of saving up for a lump sum takes a small amount of every pay check which in theory sounds great, but in practice takes from everyone, leaving everyone worse off. The new SaaS profit model is slowly draining the economy of much needed support. It's only a matter of time to see which wins -- profitability and monthly subscriptions, or lack of wage growth for twenty years while everything moves to monthly subscriptions instead of once-bought services.