"I think the first intent is to cover up some of the stuff they've been doing," he says. "They do that by death by a thousand paper cuts, right? Like if they just said, like today, hey, it's going to cost you $20,000 more a year to live." People continue to accommodate that progression by leveraging their own debt, his writes. 'We have mass noncompliance on a level that we've never seen before'