All of your points are correct, and we are in the process of collapse, this is true, and individually, there may not be much you or I can do in terms of moving any needles all by ourselves, apart from refusing to be scammed, as you point out. But there are also things that could change this situation almost entirely if entire communities of us resolved to come together. That is why I listed four phases, of 15 or so years each, that communities could plan
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