Just as there is an underground economy of gardeners and handymen and petty merchants who get paid in cash and pay little or no taxes, there is also … - David Cay Johnston

Everything has rules... The rules that we set really determines who benefits and who bears the burden. ...[W]e have all of these policies ...that largely determine what's happening. ...[I]n America... we live in a society... where coming out of the Great Recession, a third [33%] of all increased income through 2012 went to the top 16,000 households, that's the 1% of the 1% [1 out of 10,000], 95% of that income went to the top 1%, and the bottom 90 per cent's income actually fell... to the level of 1966... [T]hat happened because the government rules, in many ways, from who gets access to quality education, to who gets proper health care, to incarceration policies, are shaping what's happening to our society.

Fundamentally I argue in Free Lunch what's happened is, that a narrow segment of our society, large corporations which are immortal and amoral... They're necessary, they're important, they are great producers of wealth, but there's reasons that you want to regulate and control entities that are both amoral; their purpose is to maximize return to capital, which is a perfectly good thing to do, but they have no other obligation... [T]hey are immortal. Unless they mess up in the marketplace they go on forever, unlike you and I... Unless we have rules that govern their conduct, they can do enormous damage to our society; and we have had a massive effort to collect subsidies from the government, to get rid of government employees and replace them with private sector workers who typically cost twice as much. So the federal work force has gone down... but the number of people who are paid by the federal government to work is going up; and the cost per... labor-hour is going up enormously. ...Unlike creating a bureaucracy ...empire-building bureaucrats, now you have a corporation that makes campaign contributions to encourage more of this ...and more contracts and... money flowing their direction.

Let's go to the student loan industry. ...What is the Trump administration doing? "We're going to address the student loan problem." So brings in... executives from the companies that made the student loans. ...This is building a new hen house designed by the fox!