Passive Income Hurting the Worker

It's a pyramid scheme.
A pinch.

Really, optimization of stocks is a crooked bit.  It boils it all down to this:  Quantity over Quality.
And getting everyone to buy into lower quality.

Scumbag assholes cutting corners.  Justifying bonuses.  Making things disappear.  A disappearing act.  A derivative.   A derivative check for someone (else).  And it'll never come back.  The black hole for your savings.

It's never enough.  Never enough.