上海的月亮: CN — LARRY ROMANOFF: 犹太人正在掠夺世界——第五部分 — 案例研究 — Jews are Plundering the World – Part 5

犹太人正在掠夺世界——第五部分 — Jews are Plundering the World – Part 5

译者：Pearl

案例研究：住房 — Case Study: Housing

As America’s housing crisis deepens, Blackstone and its billionaire CEO have doubled rents, expanded evictions, and accelerated homelessness—proving once again that in this economy, housing isn’t a right, it’s a commodity.

随着美国住房危机的加剧，黑石集团及其亿万富翁首席执行官将租金翻倍，扩大了驱逐范围，并加速了无家可归现象的发生——再次证明，在这种经济环境下，住房不是一种权利，而是一种商品。来源/Source

Let’s look at how the housing historical record fits the thesis of Exclusion. We will see if the housing sector substantiates the argument that the motive of predators is not wealth accumulation, but rather to ensure that others remain as poor as possible. The available research material covers a wide range of topics, including the financialisation of housing, institutional investors, evictions, algorithmic collusion, the subprime mortgage crisis, zoning, vacant properties and the rise of the middle class. With these, we can test the hypothesis that these actions are driven not merely by profit, but by a deeper agenda to deprive. The evidence suggests the housing market functions as a zero-sum extraction machine, systematically transferring from the many to the few not just shelter, but the wealth, stability, and mobility that comes with it.

让我们来看看住房历史记录是如何契合“排斥”这一论点的。我们将探讨住房领域是否能够证实以下论点：掠夺者的动机并非财富积累，而是要确保其他人尽可能地保持贫穷。现有的研究材料涵盖了广泛的主题，包括住房金融化、机构投资者、驱逐、算法合谋、次贷危机、分区、空置房产以及中产阶级的崛起。通过这些研究，我们可以检验这样一个假设：这些行为不仅仅是由利润驱动的，而是由更深层次的剥夺议程所驱动。证据表明，住房市场就像一台零和榨取机器，不仅将住所，还将随之而来的财富、稳定性和流动性从多数人系统地转移到了少数人手中。

I covered the 2008 Financial and Housing Crisis in detail in a 4-part series that you can access here. [1][2][3][4]. Remember that this one event drove a full 50% of the Middle Class into the Lower Class, with such severe losses they are unlikely to ever recover. The crisis was not a failure as the media told us, but was a trap that set the stage for a massive generational wealth transfer. Predatory subprime loans were pushed to low-income and minority buyers, those considered most “vulnerable” to deceptive terms. These “exploding” adjustable-rate mortgages were designed for eventual default, ensuring families would lose their homes while banks extracted maximum fees. The long-term impact was deeply regressive, designed to strip wealth from those who had it, and to ensure that those who didn’t have it would never have it.

我在一个由四部分组成的系列文章中详细报道了2008年的金融和住房危机，您可在此处查看。 [1] [2] [3] [4]. 请记住，这一事件导致整整50%的中产阶级跌入了下层阶级，他们的损失如此严重，几乎不可能恢复。这场危机并非如媒体所言是失败，而是一个陷阱，为大规模的代际财富转移奠定了基础。掠夺性的次级贷款被推给了低收入和少数族裔买家，这些买家被认为最容易受到欺骗性条款的影响。这些“爆炸式”浮动利率抵押贷款的设计初衷就是最终违约，以确保家庭失去住房，而银行则收取最高额的费用。其长期影响是极具倒退性的，旨在剥夺有财富者的财富，并确保没有财富者永远不会有财富。

It wasn’t widely reported, but after the 2008 crash, the entire housing market in the US became nearly fully financialised, with a feeding frenzy by Jewish billionaires. The crash-induced foreclosures created a fire-sale market, and these Jewish firms (Blackstone et al) ended up owning about 60% of all housing rental units nationwide, and as much as 70% or higher in some cities like Los Angeles. Once in control, these Jewish corporate landlords deploy a variety of carefully engineered extraction tools. The first was raising rents. Blackstone more than doubled rents in many areas, driving US homelessness to a record high. Another tool is termed “eviction warfare”, with these Jewish owners operating a massive eviction machine. In 2025 alone, they evicted more than 1.2 million families, a nearly 40% increase over the previous year. They have weaponised evictions.

这一消息并未得到广泛报道，但在2008年经济危机之后，美国的整个房地产市场几乎完全金融化了，犹太亿万富翁们大举投资。经济危机引发的止赎现象催生了一个甩卖市场，这些犹太公司（如黑石集团等）最终在全国范围内拥有约60%的住房租赁单元，在洛杉矶等一些城市甚至高达70%甚至更多。一旦取得控制权，这些犹太企业房东就会部署各种精心设计的榨取工具。第一个工具是提高租金。黑石集团在许多地区的租金上涨了一倍多，使美国无家可归者人数创下历史新高。另一个工具被称为“驱逐战”，这些犹太房东们运营着一台庞大的驱逐机器。仅在2025年，他们就驱逐了120多万户家庭，比前一年增加了近40%。他们已经将驱逐武器化了。

A third extraction tool is termed Algorithmic Price-Fixing. These landlords use RealPage, an algorithm platform that collects and uses private pricing data to fix rents, but actively obscures the collusion of price-fixing. This resulted in average rents increasing by around 45%. More damningly, the Jewish landlords like Blackstone keep homes intentionally vacant, to artificially inflate prices. Reports were that Blackstone purchased nearly 20% of US homes to sit empty. This deliberate constriction of supply is a primary driver of the housing crisis.

第三种提取工具被称为“算法定价”。这些房东使用RealPage这一算法平台，该平台收集并使用私人定价数据来设定租金，但同时积极掩盖价格操纵的勾结行为。这导致平均租金上涨了约45%。更令人震惊的是，像黑石这样的犹太房东故意让房屋空置，以人为地抬高价格。有报道称，黑石购买了近20%的美国房屋并让其空置。这种故意限制供应的行为是住房危机的主要驱动因素。

These predatory market dynamics are underpinned by the state-enforced system of exclusionary zoning. These are laws that mandate single-family homes on large lots, effectively banning affordable multifamily units. This kind of Exclusionary zoning creates a permanent “caste system” in the US and Canada. This system actively weaponises the state to prevent poorer people from accessing the basic stability of homeownership.

这些掠夺性的市场动态以国家强制执行的排他性分区制度为基础。这些法律规定在大片土地上只能建造独栋住宅，实际上禁止了经济适用型多户住宅的建设。这种排他性分区制度在美国和加麻大（Canada）形成了一种永久性的“种姓制度”。这种制度积极利用国家力量，阻止较贫穷人群获得拥有住房的基本稳定性。

I can still recall Canada’s recent history that followed this pattern. It used to be that a great many homes had spare rooms, attics with a separate entrance, or garages that were insulated and suitable for accommodation at very low prices. In those days, there were few if any homeless people. But then Jewish lobby groups sprang into action, and within a few years nearly every city had adopted new zoning regulations that prohibited “multi-family dwellings”. And that meant that all those attics, garages, and similar were quickly emptied, with the tenants having no other source of low-cost housing and no place to go. Until that time, it was almost always possible to find some habitation that could be rented for only a few dollars, but the zoning killed that forever.

我仍然记得加麻大最近遵循这种模式的历史。过去，很多家庭都有空余的房间、带独立入口的阁楼，或者隔热且适合居住的车库，而且价格非常低廉。那时候，几乎没有什么无家可归的人。但后来犹太游说团体开始行动，几年之内，几乎每个城市都通过了新的分区规定，禁止“多户住宅”。这意味着所有这些阁楼、车库和类似的地方很快就被清空了，租户们没有其他低成本住房的来源，也没有地方可去。在那之前，几乎总是可以找到一些只需几美元就能租住的住所，但分区规定永远扼杀了这种可能性。

That was the onset of the homeless problem in all North American cities, and it was not accidental. I subscribe to the theory that foreseeable results constitute deliberate intent. In this case, the only possible result of the zoning regulations would be to drive millions of poor individuals and families out of their residences. And, since there was clearly no supply anywhere of alternative low-cost housing, the only possible result would be millions of homeless humans.

这是所有北美城市无家可归问题的开端，而这绝非偶然。我赞同这样一种理论：可预见的结果必定是蓄意而为。在此情况下，分区法规唯一可能的结果就是将数百万贫困个人和家庭赶出他们的住所。而且，由于显然没有任何地方提供替代的低成本住房，唯一可能的结果就是数百万无家可归的人。

With the 2008 US housing crisis, I would argue that from the initial predatory loans to algorithmic rent-fixing, from mass evictions to deliberate vacancies, the housing system works as designed. That design is to ensure the working and middle classes can never get a foothold in life. Housing is now being “held in captivity” to exploit ordinary people. The massive wealth extracted from millions of families after 2008, estimated at between $7 trillion and $8 trillion, flowed into the hands of only a few Jewish capitalists. If the ultimate goal were not just profit but absolute Exclusion, the housing market serves as the perfect mechanism: a machine to ensure that the wealth gap is not just maintained, but systematically widened, by law and by algorithm.

随着2008年美国住房危机的爆发，我认为，从最初的掠夺性贷款到算法化的租金定价，从大规模驱逐到故意空置房屋，住房体系正如其设计所展现的那样运作。这种设计旨在确保劳动阶层和中产阶级在生活中永远无法立足。住房现在被“囚禁”起来，以剥削普通民众。2008年后，从数百万家庭中榨取的巨额财富（估计在7万亿至8万亿美元之间）仅流入少数犹太资本家手中。如果最终目标不仅仅是利润，而是绝对的排斥，那么住房市场就是完美的机制：一台机器，通过法律和算法确保财富差距不仅得以维持，而且还在系统地扩大。

Some damning media evidence is available, though not from the Jewish mainstream sources who deny or downplay this entire topic. One report: “Growing Wall Street control of single-family homes is a contributor to our housing crisis, with mega investors controlling an estimated 446,000 homes as of January 2025.” [5] Nationally, the presence of corporate landlords in a community has been associated with raised rents, junk fees, reduced maintenance, and increased evictions. This concentrated corporate ownership has led to price-fixing and anticompetitive, fraudulent, and deceptive behavior to tenants. In 2024, the US Federal Trade Commission confirmed longstanding tenant complaints about the largest single-family landlord in the country’s patterns of illegal practices, including charging deceptive junk fees, failing to provide proper maintenance, stealing deposits, and intentionally misleading tenants about evictions.” [6] Among the “junk fees”, one LA renter (from Blackstone) claimed in a video that in addition to a high rent and a $600 monthly fee for parking her car, she was informed that she needed to become a paid member of some “association” in order for her card key to work. Failing this, she wouldn’t be able to access her own apartment – on which she had paid the rent.

一些确凿的媒体证据已经出现，尽管这些证据并非来自否认或淡化整个话题的犹太主流媒体。一份报告指出：“华尔街对独栋住宅的控制日益增强，这是导致我们住房危机的一个因素，截至2025年1月，大型投资者控制着约446,000套住宅。”[5]在全国范围内，社区中企业房东的存在与租金上涨、乱收费、维护减少和驱逐增加有关。这种集中的企业所有权导致了价格垄断以及针对租户的反竞争、欺诈和欺骗行为。2024年，美国联邦贸易委员会证实了租户长期以来的投诉，即美国最大的独栋房东存在非法行为，包括收取欺诈性乱收费、未能提供适当维护、偷窃押金以及故意误导租户关于驱逐事宜。”[6]在“乱收费”中，一名洛杉矶租户（来自黑石集团）在一段视频中声称，除了高昂的租金和每月600美元的停车费外，她还被告知需要成为某个“协会”的付费会员，才能使用她的门禁卡。否则，她将无法进入自己支付了租金的公寓。

Another report: Since 2000, the proportion of housing in private corporate hands has increased dramatically and accelerated because of the 2008 home foreclosures. According to the U.S. Census Bureau, about 60% of the entire nation’s rental stock is in the hands of a few companies. The corporate strategies for profit-making has destroyed the stability of housing market, because they have transformed housing from a place to live into an investment.[7]

另一份报告显示：自2000年以来，由于2008年的房屋止赎事件，私人公司手中的住房比例急剧增加并加速上升。根据美国人口普查局的数据，全国约60%的租赁房屋集中在少数几家公司手中。公司的盈利策略破坏了住房市场的稳定性，因为它们将住房从居住场所转变为投资对象。[7]

Another report: “Blackstone’s Rent Hikes Are Fueling The Housing Crisis And Billionaires Keep Profiting”. As homelessness hits record highs, corporate landlords like Blackstone double rents and rake in billions. It isn’t the poverty-stricken American workers or the widowed mothers collecting Snap benefits who are causing the economic collapse in the US. We need to shift our gaze to the illusive billionaire class as they buy up all the housing stock and double the price of poor people’s rental units. They are perpetuating the problem. They are holding a life-sustaining product like housing in captivity to exploit everyday people.” [8] Jewish billionaires continue to buy up housing stock and then enact “aggressive evictions” against tenants who cannot afford to pay.

另一份报告指出：“黑石的租金上涨正在加剧住房危机，而亿万富翁们却持续获利”。随着无家可归者人数创下历史新高，像黑石这样的企业房东却将租金翻倍，赚取了数十亿美元。导致美国经济崩溃的并非是贫困的美国工人或领取食品券的寡妇母亲。我们需要将目光转向虚伪的亿万富翁阶层，因为他们买下了所有的住房存量，并使穷人的租赁单元价格翻倍。他们正在使问题永久化。他们将住房这种维持生计的产品牢牢掌握在自己手中，以剥削普通人。”[8]犹太亿万富翁们继续购买住房存量，然后对无力支付的租户实施“强制驱逐”。

The mainstream media and the so-called “reliable sources” rebut such claims, but all of them are owned by the same group of Jews, the Joe Lonsdales and the Stephen Schwarzmans, and the Elon Musks of the world. Blackstone is one of the largest private equity firms keeping the rental market in a chokehold. In 2024, Blackstone doubled, or nearly doubled, its rents, causing “a crushing affordability crisis” that shot homelessness up 18% to a record high. And Schwarzman arrogantly did this immediately after being named by the Feds in “an artificial rent inflation scam that devastated the entire country”. And, according to Bloomberg, [9]“Schwarzman collected just over $1 billion in pay in 2024, increasing his net worth to more than $50 billion”.

主流媒体和所谓的“可靠消息来源”反驳了这些说法，但它们都隶属于同一群犹太人，即乔·朗斯代尔（Joe Lonsdales）、斯蒂芬·施瓦茨曼（Stephen Schwarzmans）以及世界各地的埃隆·马斯克（Elon Musks）。黑石集团是最大的私募股权公司之一，它扼制了租赁市场。2024年，黑石集团将租金提高了一倍，或接近一倍，引发了“严重的负担能力危机”，导致无家可归者人数激增18%，创历史新高。而施瓦茨曼在被联邦政府指控参与“一场毁灭整个国家的人为租金通胀骗局”后，立即傲慢地采取了这一行动。据彭博社报道[9]，“施瓦茨曼2024年的薪酬略高于10亿美元，使他的净资产增至500多亿美元”。

Blackstone’s Schwarzman Took Home a Near-Record $1.24 Billion in 2025. 黑石集团苏世民2025年收入近创纪录的12.4亿美元。来源/Source

“Between 2021 and 2024, Blackstone aggressively added hundreds of thousands of houses to its rental stock. The wealth gap grows and housing increasingly seems like a luxury only afforded to those at the highest end of the scale, and at the same time the push for homeless criminalisation is being led by Schwarzman and other Jewish billionaires. The blueprint for capitalising on human suffering runs deep for corporations like Blackstone, which is tied toCoreCivic, a company that owns and operates for-profit prisons. CoreCivic has a notable reputation for lobbying for harsher sentences, especially against impoverished people, as a way of drawing capital from the prison industrial complex. It is easy to follow the money and find the Jewish billionaires behind an unfathomable amount of corruption, all of which serves to make them richer and more powerful.”[10]

“2021年至2024年间，黑石集团大举将数十万套房屋纳入其租赁房源。贫富差距日益扩大，住房似乎越来越成为只有最高端人群才能负担得起的奢侈品，与此同时，苏世民和其他犹太亿万富翁正带头推动将无家可归者定为犯罪。对于像黑石集团这样的公司来说，利用人类苦难的蓝图根深蒂固，该公司与拥有并经营营利性监狱的CoreCivic公司有关联。CoreCivic因游说法院判处更严厉的刑罚而声名狼藉，尤其是针对贫困人群，以此从监狱产业综合体中吸引资金。追踪这些资金流向并不难，不难发现隐藏在令人难以置信的腐败背后的犹太亿万富翁，所有这些腐败行为都让他们变得更加富有和强大。” [10]

A note on criminalisation is necessary here. It was American Jews who promoted California’s “Three strikes and you’re out” laws. This legislation provided that if any person were convicted three times for any crime, no matter how small, they would be sentenced to life in prison. For a company like CoreCivic and its Jewish brethren, this is a windfall because the US government pays them about $50,000 to $75,000 per inmate per year in their privately-managed prisons, but they also rent out those same prisoners as labor to corporations. This isn’t widely-known, but inmates from these Jewish-run prisons are ubiquitous in American labor.

在此有必要说明一下刑事定罪的问题。正是美国犹太人推动了加利福尼亚州的“三振出局”法。该法律规定，任何人若因任何罪行被定罪三次，无论罪行多么轻微，都将被判处终身监禁。对于像CoreCivic这样的公司及其犹太同僚而言，这是一笔横财，因为美国政府每年会向他们私人管理的监狱支付每名囚犯约5万至7.5万美元的费用，但他们也会将这些囚犯作为劳动力出租给企业。这一点并不广为人知，但这些犹太人经营的监狱中的囚犯在美国劳动力市场上无处不在。

A large percentage of these inmates become convict laborers who work in factories making military and police hardware including 100% of all items like helmets and bullet-proof vests, about 50% of all body armor, [11] almost 100% of all paints and paint brushes, nearly 40% of all home appliances and about 25% of all US office furniture. They also make McDonald’s uniforms, Microsoft software packaging, Honda car parts, Victoria’s Secret lingerie, and they staff many call centers. [12][13][14]In many states, when you call the Tourism Bureau for travel information or 911 for an emergency, you are speaking to an unpaid convict in forced labor. In addition to their $50,000 payments from the governments, these firms receive another $20,000 in convict leasing fees, renting their involuntary slaves to corporations at $55 per day, while the inmates receive as little as 32 cents per hour and never more than about one dollar. I covered this topic in an earlier article titled Incarceration Nation.[15]

这些囚犯中有很大一部分成为劳改犯，他们在工厂里生产军警装备，包括100%的头盔和防弹背心等所有物品，约50%的防弹衣，[11]几乎100%的油漆和油漆刷，近40%的家用电器，以及约25%的美国办公家具。他们还生产麦当劳制服、微软软件包装、本田汽车零部件、维多利亚的秘密内衣，并为许多呼叫中心提供员工。[12][13][14]在许多州，当你打电话给旅游局询问旅行信息或拨打911紧急电话时，与你通话的是一名无偿强制劳动的囚犯。除了政府支付的5万美元外，这些公司还会收到2万美元的囚犯租赁费，以每天55美元的价格将他们的非自愿奴隶租给企业，而囚犯每小时的工资只有32美分，最高不超过1美元。我在之前的一篇题为《监禁国度》的文章中讨论过这个话题。 [15]

Profiting Off Prisoners: The Big Secret of Victoria Secrets.

从囚犯身上获利：维多利亚的秘密的大秘密。来源/Source

It is Jews who are pushing to criminalise homelessness for the same reasons – free lifetime slave labor. It should not be a surprise that the US has the highest incarceration rate in the world, by an order of magnitude compared to many other countries. The US has only 5% of the world’s population, but a full 25% of the world’s prisoners. This is simply one more factor to add into the Exclusion equation – the removal of all these people from the asset-owning class to the perpetually-impoverished class.

正是犹太人出于同样的原因——即终身免费奴役劳动力——而推动将无家可归定为犯罪。美国监禁率居世界之首，比其他许多国家高出至少一个数量级，这并不奇怪。美国人口仅占世界人口的5%，但囚犯人数却占世界囚犯总数的25%。这不过是“排斥”方程式中又增加了一个因素——将所有这些人从资产拥有阶层转移到永久贫困阶层。

Another report: Blackstone Comes to Collect. Blackstone is the largest landlord in the US, owning and managing over 300,000 rental housing units. Yet in only two years, (2021 2022), Schwarzman was on an aggressive buying spree of single-family and multi-family rental properties, adding over 200,000 housing units to his portfolio. Here is an official report, titled “Blackstone Comes to Collect: How America’s Largest Landlord and Wall Street’s Highest Paid CEO Are Jacking Up Rents and Ramping Up Evictions”. [16] Another report by an organisation named the Eviction Lab conducts State and National studies of overall evictions, [17]and their 2025 report states that about one of every twelve families is evicted each year, generally for inability to pay the higher rents. That is the average for all landlords; the eviction rates for Jewish landlords would clearly be much higher.

另一份报告：《黑石集团来收租了》。黑石集团是美国最大的房东，拥有并管理着超过30万套租赁住房。然而，仅在两年间（2021年至2022年），苏世民就大举收购单户和多户租赁房产，为其投资组合增加了20多万套住房。这是一份官方报告，标题为《黑石集团来收租了：美国最大房东和华尔街最高收入首席执行官如何抬高租金并加剧驱逐现象》[16]。另一份由名为“驱逐实验室”的组织发布的报告对各州和全国的驱逐情况进行了研究[17]，其2025年的报告指出，每年约有十二分之一的家庭被驱逐，通常是因为无力支付更高的租金。这是所有房东的平均水平；犹太房东的驱逐率显然会更高。

案例研究：教育 — Case Study: Education

美国学生贷款——1.84万亿美元的债务牢笼 — US Student Loans — A Debt Prison of $1.84 Trillion

Source/来源

Here is the case study on US education and student loans as a test of the exclusion thesis. We will examine whether the U.S. student loan system fits the exclusion thesis: not merely profit extraction, but the active prevention of the majority from accumulating wealth and autonomy.

以下是对美国教育和学生贷款的案例研究，旨在检验排斥论点。我们将探讨美国学生贷款制度是否符合排斥论点：不仅仅是榨取利润，更是积极阻止大多数人积累财富和获得自主权。

As of 2026, total US student loan debt exceeds $1.84 trillion, held by nearly 50 million students. This is not a market; it is a mass incarceration of an entire generation into financial servitude. US student loans have been “weaponised”; the trap door is that bankruptcy immunity is used as a legal weapon. Formerly, all student loans, whether private or government, were dischargeable in bankruptcy. But then the Jews who control the US government pushed through the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which made student loans also non-dischargeable. The theory says that these loans can be discharged by a student proving “undue hardship”, but the criteria to meet this are so severe that fewer than 1% of bankruptcy filers with student loans even attempt it.

截至2026年，美国学生贷款债务总额已超过1.84万亿美元，由近5000万名学生承担。这并非一个市场；这是整整一代人被大规模禁锢在财务奴役之中。美国学生贷款已被“武器化”；陷阱在于，破产豁免权被用作法律武器。此前，所有学生贷款，无论是私人贷款还是政府贷款，都可以通过破产来解除。但随后，控制美国政府的犹太人推动通过了2005年的《防止破产滥用和消费者保护法》，该法规定学生贷款也不可免除。理论认为，学生若能证明“过度困难”,这些贷款便可免除，但满足这一条件的标准极为严苛，以至于在有学生贷款的破产申请者中，只有不到1%的人会尝试这么做。

This is not a minor insolvency provision. It is the legal foundation of the debt prison. By removing the bankruptcy exit, the system ensures that student debt follows the borrower permanently. The student will face wage garnishment, seizure of tax refunds, offsets to their Social Security, and even revocation of any professional license, as collection tools that will remain in place forever. The debtor cannot escape.That is the point.

这并非一项无关紧要的破产条款。它是债务监狱的法律基础。通过取消破产出口，该制度确保学生债务永久性地跟随借款人。学生将面临工资扣发、退税被扣押、社会保障金被抵消，甚至任何职业执照被吊销，这些追债手段将永久存在。债务人无法逃脱。这才是关键所在。

There are two methods of creating student loan debt as a “perpetual indenture”. One mechanism that turns a modest loan into a lifelong burden is capitalized interest. Unpaid interest is added to the principal, and future interest accrues on the new, larger amount. Borrowers report balances that never shrink, and often grow, even after years of payments. A borrower who takes a $30,000 loan can, through the magic of capitalization, owe $60,000 or more a decade later. The system is deliberately designed to make the hole deepen with each attempt to climb out.

有两种方法可以将学生贷款债务变成“永久契约”。其中一种机制是将适度的贷款变成终身负担，这就是资本化利息。未支付的利息会加到本金上，而未来利息则会以新的、更大的金额继续累积。借款人报告的余额永远不会减少，甚至在多年还款后还会增加。一个借了3万美元贷款的借款人，通过资本化的魔力，十年后可能会欠下6万美元甚至更多。这个系统是故意设计的，每次试图爬出这个洞时，都会让这个洞变得更深。

From the exclusion thesis, this is not a bug but a feature. Debt that grows despite repayment ensures that the borrower remains a debtor indefinitely. The wealth extracted is not the interest alone; it is the permanent foreclosure of the debtor’s ability to save, invest, or accumulate any savings or assets. Every dollar paid in capitalized interest is a dollar that does not become a down payment, a retirement contribution, or a child’s education fund. The exclusion of the debtor from the class of asset‑holders is the product.

根据排斥论，这并非一个漏洞，而是一个特性。尽管债务人在还款，但债务仍在增长，这确保了债务人无限期地保持债务人的身份。被榨取的财富不仅仅是利息；它是对债务人储蓄、投资或积累任何储蓄或资产能力的永久剥夺。每一美元的资本化利息支付，都是一美元无法用于首付、退休金或子女教育基金的金额。债务人被排除在资产‑持有者类别之外，正是这一理论的产物。

This reference is a video posted by a young American woman who had a $17,000 student loan. By the time she paid it off, she had paid not only the $17,000 in principal but $40,000 in interest. This was in only a few years, and each month she paid more than the minimum required. [18] And she asks, “How is that legal?” She says the interest rates are “flexible”, meaning they can be adjusted upward at any time, by any amount, and students are not given this information when applying for the loans. To really underscore the point, here is another video by a young American woman who had a $96,000 student loan. She has paid more than $165,000 on the loan, and still owes $220,000. [19] If she ever digs herself out of this hole, her student loan will have cost her more than half a million dollars.

这段参考视频是一位背负17,000美元学生贷款的年轻美国女性发布的。到她还清贷款时，她不仅还清了17,000美元的本金，还支付了40,000美元的利息。而这一切仅用了几年时间，且她每月还款额都超过了最低要求。[18]她问道：“这合法吗？”她表示，利率是“可变的”，意味着利率可以随时上调，上调幅度不限，而学生在申请贷款时并不会被告知这一信息。为了更加强调这一点，这里再放一段视频，是一位背负96,000美元学生贷款的年轻美国女性。她已偿还了超过165,000美元的贷款，但仍欠220,000美元。[19]如果她能彻底摆脱这个困境，她的学生贷款将耗资超过50万美元。

A $96,000 loan, $165,000 paid; $220,000 still outstanding.

贷款96,000美元，已支付165,000美元；仍有220,000美元未偿还。来源：/Source:

It is important to note that with normal loans in a real world, payments on debt are first applied to the interest due. Payments in excess of this are applied to the principal. As a quick example, if you have a $10,000 loan at 6%, with a required payment of $1,000 per year, the first $600 of your payments are directed to the 6% interest, and the remaining $400 is applied to the principal. Thus, after one year, you would be up to date on the interest, and would have paid $400 against the principal, your new balance being $9,600. Since the principal is being reduced each year, your debt will eventually be paid in full.

值得注意的是，在现实世界中的普通贷款中，债务还款首先用于支付应付利息。超出部分的还款则用于偿还本金。举个简单的例子，如果你有一笔10,000美元的贷款，年利率为6%，每年需要还款1,000美元，那么你的首笔还款中的600美元将用于支付6%的利息，剩余的400美元则用于偿还本金。因此，一年后，你将还清所有利息，并已支付400美元的本金，你的新余额为9,600美元。由于本金每年都在减少，你的债务最终将全额还清。

But this is not the method used by the financial middlemen on student loans. The required annual payment is set at a low level, insufficient to service the debt, and the payments are first applied to the principal rather than the interest. Consider how this works with the same $10,000 loan, but now at 17.99% (we’ll use 18%). The required annual payment of $1,000 is applied to the principal, which is reduced after one year to only $9,000. But the interest is $1,800 and, since it hasn’t been paid, it is added to the principal. Thus, after one year, you paid $1,000, but now owe $10,800, and it will continue to grow indefinitely, year after year.The magic of capitalisation of interest.

但这并不是学生贷款金融中介所采用的方法。所需的年还款额设定在一个较低水平，不足以偿还债务，而且还款首先用于偿还本金，而非利息。考虑一下，如果同样是10,000美元的贷款，但利率为17.99%（我们这里用18%）的情况会如何。所需的年还款额为1,000美元，用于偿还本金，一年后本金减少到只有9,000美元。但利息为1,800美元，由于尚未支付，因此被加到本金上。因此，一年后，你支付了1,000美元，但现在欠款为10,800美元，而且它会年复一年地持续增长。这就是利息资本化的魔力。

The extraction mechanism for this is the private middleman. Most student debt is nominally owned by the US Department of Education, but the “daily management” flows through a network of private loan servicers: MOHELA, Nelnet, Edfinancial, and formerly Navient. These are private companies paid for every loan they service. Nelnet, as one example, generates a 25% profit margin from the student loans it “manages”. Navient, a private company that had been spun off from Sallie Mae, has been sued multiple times for steering borrowers into costly fraudulent schemes with hugely increased fees and capitalized interest. The profit model of these private middlemen – all Jews – aligns perfectly with borrower distress.

其提取机制是通过私人中间人。大多数学生债务名义上由美国教育部所有，但“日常管理”则通过一个私人贷款服务机构网络进行：MOHELA、Nelnet、Edfinancial以及之前的Navient。这些私人公司通过他们服务的每笔贷款获得报酬。以Nelnet为例，它从其“管理”的学生贷款中获得了25%的利润率。Navient是一家从Sallie Mae分拆出来的私人公司，曾多次被起诉，因为它引导借款人参与费用和资本化利息大幅增加的高成本欺诈计划。这些私人中间人（均为犹太人）的盈利模式与借款人的困境完全吻合。

According to my Exclusion thesis, government‑owned debt farmed out to private fee‑collectors is the perfect architecture. The state assumes the credit risk, but the private sector captures the profit from servicing. The borrower faces a corporate collection apparatus with all the legal powers of the US Treasury, and the separation of ownership from management insulates the profit‑takers from political accountability.

根据我的“排除论”，将政府‑持有的债务外包给私营收费机构是完美的架构。国家承担信用风险，但私营部门从服务中获取利润。借款人面对的是一家拥有美国财政部所有法律权力的企业收费机构，而所有权与管理的分离使获利者免于承担政治‑责任。

The entire system is predatory. Universities raise tuition in part because federal loan dollars are available to cover it, a perverse subsidy that drives costs upward. Private lenders charge students interest rates as high as 17.99%, and in some cases as high as 23%, and students have no protection from the rapacity of these private firms. Clearly, the goal is to maximize the number of people who enter the debt prison. The promise of upward mobility with a university degree is the bait; the loan indenture is the trap. American university students have become an “asset class”. Investment banks package these debts into tradable financial instruments that are sold to investors. This is huge.

整个体系都是掠夺性的。大学提高学费的部分原因是有联邦贷款资金可以弥补，这是一种不正当的补贴，导致成本不断攀升。私人贷款机构向学生收取高达17.99%的利率，在某些情况下甚至高达23%，而学生却无法免受这些私人公司的掠夺。显然，其目的是让尽可能多的人陷入债务牢笼。大学学位带来的向上流动的承诺是诱饵；贷款契约则是陷阱。美国大学生已成为一种“资产类别”。投资银行将这些债务打包成可交易的金融工具，出售给投资者。这规模巨大。

One such investment bank, Sidley Austin, boasts of closing over 60 student loan securitization transactions with a total of nearly $60 billion. From the exclusion thesis, securitisation transforms the student debtor from a person pursuing education into a financial product. When loan forgiveness is debated in government, securities holders successfully lobby against it. If borrowers are in arrears or default, the investors’ profits are insulated by government guarantees. The indebted student is merely the raw material for a financial assembly line.

盛德国际律师事务所就是此类投行之一，该律所声称已完成了60多笔学生贷款证券化交易，总额近600亿美元。根据排除论，证券化将学生债务人从追求教育的人转变为金融产品。当政府讨论免除贷款时，证券持有人会成功游说反对。如果借款人拖欠或违约，投资者的利润将受到政府担保的保护。负债的学生只是金融流水线上的原材料。

The exclusion thesis predicts that elites will frame the victim’s condition as a moral failing. In the student debt debate, this manifests as the claim that borrowers are irresponsible, that they chose expensive degrees, that they borrowed too much, that they should have known better. The reality is otherwise; the majority of those who default simply face poor employment options and a precarious economic situation. Nonetheless, the “moral” narrative persists, diverting attention from the structural extraction to the supposed character flaws of the indebted students. This moral framing legitimizes the extraction. If the indebted students deserve their condition, then keeping them in debt is justice, not cruelty. Under this false propaganda, debt cancellation would be a handout to the undeserving.

排斥论预测，精英阶层会将受害者的状况归咎于道德上的失败。在学生债务的辩论中，这表现为声称借款人是不负责任的，他们选择了昂贵的学位，他们借了太多的钱，他们本应更明智些。但现实并非如此；大多数违约者只是面临糟糕的就业选择和不稳定的经济状况。尽管如此，“道德”叙事仍然存在，将人们的注意力从结构性剥削转移到负债学生所谓的性格缺陷上。这种道德框架使剥削合法化。如果负债学生理应处于这种状况，那么让他们一直负债就是正义，而不是残忍。在这种虚假宣传下，取消债务就是对那些不配的人施舍。

Are these indicators evidence of the Exclusion thesis? Yes, of course. The capitalized interest, the bankruptcy exclusion for student loans, the “private middlemen” with 25% profit margins on student debt, the securitization of the student loans, the moral framing of students as irresponsible, the power of government seizure and garnishment as collection mechanisms. This is state coercion for private profit. The architecture of the student loan machine is 100% designed for Exclusion, to keep graduate students in the “asset-less” class for decades, if not forever. The US student loan program systematically ensures that an entire generation of borrowers remains permanently indebted, unable to accumulate wealth, and tethered to the extraction apparatus. The specific mechanics are the treadmill that prevents escape. This is not a failure of policy. It is the system working exactly as designed.

这些指标是否证明了“排斥论”的观点？是的，当然。资本化的利息、学生贷款的破产排除、在学生债务上赚取25%利润的“私人中介”、学生贷款的证券化、将学生道德框架为不负责任、政府作为征收和扣押的权力作为收款机制。这是国家为了私人利益而进行的强制行为。学生贷款机器的架构完全是为排斥而设计的，目的是将研究生长期（如果不是永远）保持在“无资产”阶层。美国学生贷款计划系统地确保整整一代借款人永久负债，无法积累财富，并被束缚在榨取利益的机器上。具体机制就是防止逃脱的跑步机。这不是政策的失败。这是系统按设计正常运作。

The wealth extracted is not the interest alone; it is the permanent foreclosure of the debtor’s ability to save, invest, or accumulate. Every dollar paid in capitalized interest is a dollar that does not become a down payment, a retirement contribution, or a child’s education fund. The exclusion of the debtor from the class of asset‑holders is the product. This is literally taking away the possibility of any kind of normal life for a person caught in this trap. And yet, in the US, the only alternative is to avoid a university education. But that is a choice with severe handicaps that might produce the same result of an asset-less person. The system is not a binary choice between “go to college and be indebted” vs. “don’t go and be left behind.” It is a double‑bind — two paths, both engineered to produce the same outcome: a population stripped of assets, permanently excluded from wealth accumulation, and dependent on the wage‑labor economy.

所榨取的财富不仅仅是利息；而是永久剥夺了债务人的储蓄、投资或积累财富的能力。每一美元用于支付资本化利息，就意味着有一美元无法成为首付、退休金或孩子的教育基金。债务人被排除在资产‑持有者行列之外，正是这种做法的产物。‑这实际上剥夺了陷入这一陷阱的人过上任何正常生活的可能性。‑然而，在美国，唯一的替代方案是避免接受大学教育。‑但这是一个充满严重障碍的选择，可能会产生同样的结果，即成为一个没有资产的人。‑这个体系并不是“上大学并负债”与“不上大学并被甩在后面”之间的二元选择。它是一个双重困境——两条路，都被设计成产生同样的结果：一个被剥夺了资产、永久被排除在财富积累之外、依赖于雇佣劳动经济的人口。

Let’s examine each path through the exclusion lens. Path one – the education debt trap. Borrow $30,000 – $100,000+ at interest rates that capitalise; spend your 20s and 30s making payments that barely touch principal; watch your debt balance grow; delay home ownership, marriage, children, retirement savings. Emerge in your 40s with less net worth than your parents had at 25. The product is not a degree. The product is a lifetime of indentured labor because your future wages were pre‑committed to a financial apparatus. You have been monetised.

让我们通过“排除法”来审视每一条道路。第一条道路——教育债务陷阱。以资本化的利率借入3万至10万美元以上的贷款；在20多岁和30多岁时，用微薄的收入来偿还贷款；眼睁睁看着债务余额不断增长；推迟购房、结婚、生子、储蓄退休金。等到40多岁时，你的净资产却低于父母25岁时的水平。产品不是学位。产品是一生的契约劳动，因为你的未来工资已被预先‑承诺给了一个金融机构。‑你已经被货币化了。

Path Two – the no‑education wage trap. Those who avoid the debt prison face a different cage. Median weekly earnings for a high school graduate in the US are approximately $900 (2026), compared to $1,500 for a bachelor’s degree holder, a gap of roughly $30,000 per year. Over a forty‑year career, the cumulative earnings difference exceeds $1.2 million, before accounting for benefits, job security, and upward mobility. The no‑degree worker is not equal; they are consigned to the low‑wage sector, where wage theft, unstable hours, no benefits, and zero job security are the norm.They, too, cannot save, cannot buy a home, cannot accumulate. They are not debt‑enslaved; they are wage‑enslaved. The outcome is the same: an asset‑less life.

路径二——无‑教育工资陷阱。‑那些逃出债务牢笼的人，却面临另一个牢笼。‑在美国，高中毕业生的周收入中位数约为900美元（2026年），而学士学位持有者的周收入中位数为1500美元，两者之间每年约有3万美元的差距。‑在四十年的职业生涯中，不考虑福利、工作保障和向上流动性，累计收入差距超过120万美元。无‑学位工作者并不平等；‑他们被困在低薪行业，工资被克扣、工作时间不稳定、没有福利、工作毫无保障是常态。他们也无法储蓄、无法买房、无法积累财富。他们不是被债务‑奴役，‑而是被工资奴役。‑结果是一样的：过着无资产的生活。

This is a double‑bind with no exit. The genius of the system is that both paths converge. The college graduate emerges with a higher income but a debt payment that consumes the surplus. The non‑graduate has no debt but never attains the income needed for savings. Both reach middle age with negligible net worth. Both are permanently excluded from the asset‑holding class. Both are vulnerable to any economic shock (job loss, medical bill, divorce) that pushes them into destitution.

这是一个没有出口的双重‑困境。‑这个体制的巧妙之处在于，两条路径最终交汇。大学毕业生虽然收入更高，但债务支付却消耗了他们的盈余。‑非大学毕业生虽然没有债务，却永远无法获得储蓄所需的收入。‑两者到了中年时，净资产都微乎其微。‑两者都被永久地排除在资产持有阶层之外。‑两者都容易受到任何经济冲击（失业、医疗账单、离婚）的影响，从而陷入贫困。

And there is a third path — the some‑college‑but‑no‑degree group, which constitutes roughly 40% of all borrowers who default. These are people who borrowed, spent a year or two in school, dropped out, and now carry debt with no credential to show for it. They have the worst of both worlds: the debt burden without the wage premium. This group is the clearest evidence that the system is not about “education as investment”; it is about education as a debt‑induction mechanism.

还有第三条路——即“上过大学但没拿学位”的群体，他们约占所有违约借款人的40%。‑这些人借了钱，在学校待了一两年，然后辍学，现在背负着债务，却没有任何文凭。他们两样都得不到：既没有债务负担，也没有工资溢价。‑这个群体最清楚地证明，这个体系不是“教育即投资”；‑而是把教育当作一种债务诱导机制。

These details satisfy the core prediction of the Exclusion thesis, that the elite’s motivation is not to maximize their own wealth (they already have enough) but to ensure that no one else can accumulate. The education system, as currently structured, is a perfectly calibrated machine for this purpose. It does not need to prevent everyone from attending college. Instead, it encourages attendance, then saddles attendees with debt that negates the wage premium. And for those who do not attend, it ensures their wages are so low that savings are impossible. The result: a society where wealth concentration at the top continues to increase while the bottom 99% tread water or sink.

这些细节符合“排斥论”的核心预测，即精英阶层的动机并非最大化自身财富（他们已经足够富有），而是确保他人无法积累财富。而当前结构的教育体系正是为此目的而精心设计的。它无需阻止所有人上大学，反而鼓励人们接受高等教育，然后让受教育者背负债务，抵消了工资溢价。对于那些不上大学的人来说，它确保他们的工资低到无法储蓄。结果就是：一个财富集中在顶层的社会，而底层99%的人要么停滞不前，要么陷入困境。

An empirical reality check: Is this actually happening? Yes. Consider the net worth data for young adults in the US today: According to the FED’s Survey of Consumer Finances, the median net worth of under‑35 households in 1989 was approximately $11,000. By 2022, it had fallen to approximately $9,000, a decline of nearly 20% over three decades of supposed economic growth. By comparison, the older segment of the population who had not been victimized by the student loan travesty, saw their net worth increase. Student loan debt is now the second‑largest category of household debt after mortgages, surpassing credit cards and auto loans. Home ownership among under‑35 households has fallen from 43% in 2005 to approximately 37% in recent years. These numbers do not merely suggest a temporary setback. They suggest a structural transfer of wealth from the young to the old, from the asset‑less to the asset‑holding. The young are not failing to save because they are irresponsible. They are failing to save because the system is designed to extract from them.

实证现实检验：这真的发生了吗？是的。看看当今美国年轻人的净资产数据：根据美联储的消费者财务调查，1989年‑35岁以下家庭的净资产中位数约为11,000美元。‑到2022年，这一数字已降至约9,000美元，在所谓的三十年经济增长中下降了近20%。‑相比之下，未受学生贷款荒谬政策影响的年长群体，其净资产有所增加。‑学生贷款债务现已成为仅次于抵押贷款的家庭债务第二大类别，超过了信用卡和汽车贷款。‑35岁以下家庭的住房拥有率已从2005年的43%降至近年来的约37%。‑这些数字不仅仅表明了暂时的挫折。‑它们表明，财富正在从年轻人向老年人、从无资产者向有资产者进行结构性转移。‑年轻人未能储蓄并非因为他们不负责任。他们未能储蓄是因为这个制度的设计就是从他们身上榨取。

Our original thesis that the plunderers’ real motivation is to ensure that no one else has money, is circumstantially supported by the double‑bind structure of US education and labor markets. The system does not need to be a conscious conspiracy. It needs only to be a set of policies and incentives that consistently produce the same outcome: the exclusion of the majority from wealth. And that outcome is exactly what the data show.

我们最初的论点是，掠夺者的真正动机是确保其他人没有钱，而美国教育和劳动力市场的双重‑困境结构间接支持了这一论点。‑这一体系并不需要是有意识的阴谋。‑它只需要是一套政策和激励措施，这些政策和措施会持续产生同样的结果：将大多数人排除在财富之外。‑而这一结果正是数据所显示的。

This has existed for a long time, but began in earnest with Ronald Reagan and the deregulations and deindustrialisation of the US. Prior to that time, CEO salaries were not so many times more than those of regular employees, but today’s CEOs often earn hundreds of times more than their subordinates. You should be asking WHY someone wants to pay them so much. To do what, exactly? This was when the Accumulation and Extraction began in earnest, followed by Exclusion in even more earnest. As one measure, the top 10% own nearly 95% of all the value on the US stock markets, and in 2026 the published figures tell us that the top 1% own around one-third of all the wealth in the entire nation. If this isn’t Exclusionary, I don’t know what would be. This was one of the purposes of DOGE – to permit the Jewish oligarchs to plunder, extract, and Exclude at will.

这一现象已存在很长时间，但真正开始于罗纳德·里根时期以及美国的去监管化和去工业化。在此之前，首席执行官（CEO）的薪资并没有比普通员工高出多少倍，但如今的首席执行官们的薪资往往比其下属高出数百倍。你应该问问为什么有人愿意给他们这么高的薪资。他们到底在做什么？正是在这一时期，积累和榨取开始真正兴起，随后排斥现象愈发严重。作为一项衡量指标，美国股市中前10%的人拥有近95%的总市值，而2026年的公开数据显示，前1%的人拥有全国约三分之一的财富。如果这还不算排斥，我不知道什么算。这正是DOGE的目的之一——允许犹太寡头们随意掠夺、榨取和排斥。

案例研究：美国医疗保健 — Case Study: US Health Care

排斥现象表现为过早死亡 — Where Exclusion Manifests as Premature Death

Source/来源

Let’s examine the US healthcare system as a test case for the theory of “systematic Exclusion exploitation by the elite”. We can ask a specific question: how do institutions with control over healthcare pricing (such as hospitals, pharmaceutical companies and insurers) systematically extract wealth rather than providing equitable healthcare coverage? There are several key dimensions to this. One is the relationship between medical debt and bankruptcy. Another is the imbalance between medical expenditures and life expectancy. A third is the profits and lobbying activities of hospitals and pharmaceutical companies. Another – and a very serious one – is the relationship between health insurance companies’ claim denials on one hand and profits on the other. Another is the penetration of private equity and private ownership into the US healthcare system. We can also make some international comparisons.

让我们以美国医疗体系为案例，来检验“精英系统性排斥剥削”理论。我们可以提出一个具体问题：那些控制医疗定价的机构（如医院、制药公司和保险公司）是如何系统性地榨取财富，而非提供公平的医疗保障的？这涉及几个关键维度。一是医疗债务与破产之间的关系。二是医疗支出与预期寿命之间的不平衡。三是医院和制药公司的利润与游说活动。另一个——也是非常严重的一个——是医疗保险公司拒绝索赔与追求利润之间的关系。还有一个是私募股权和私人所有权对美国医疗体系的渗透。我们还可以进行一些国际比较。

There is much information available on the problems inherent in the US health care system, with no shortage of recommendations for (usually trivial) improvement, or advice on navigating a corrupt system. Yet most observers seem to miss the point entirely, somehow failing to realise that the fundamental issues are privatisation and financialisation, leading directly to extraction and Exclusion. I discussed the US health care system, and its multiple flaws, in an earlier article. [20] Medical expenses are the single greatest cause of bankruptcies in the US, and medical debt a source of enormous misery in the country. It is generally recognised that this debt is not inevitable, but is the result of a cruel and extractional government policy. It is the result of a for-profit, market-oriented, insurance-dependent system, designed by the avaricious for the inhuman.

关于美国医疗保健体系固有的问题，已有大量信息可供参考，也不乏（通常微不足道的）改进建议，或是关于如何应对腐败体系的指导。然而，大多数观察者似乎完全忽略了这一点，不知何故未能意识到根本问题在于私有化和金融化，这直接导致了剥削和排斥。我在之前的一篇文章中讨论了美国医疗保健体系及其多重缺陷。[20]医疗费用是美国破产的单一最大原因，而医疗债务则是该国巨大苦难的根源。人们普遍认识到，这种债务并非不可避免，而是残酷且具有剥削性的政府政策的结果。这是贪婪者为非人设计的以营利为目的、以市场为导向、依赖保险的体系所造成的后果。

The entire American health care system is so offensive it is obscene, perhaps the best example of the Exclusional Jewish parasites preying on a nation.The US health care system is a Jewish-designed, government-sanctioned highway to misery, bankruptcy, and premature death. In this area as in no other, is the motivation of Exclusion so obvious. The US government, personified by inmates of the White House and Congress, has created a monster that is so clearly designed to plunder the population without mercy, to indebt and bankrupt all but the wealthy. It was merciless in design, and is savage in execution. Yet the evil doesn’t cease, nor does the pressure on the people. President Trump and members of Congress recently (2025) signed into law the removal of yet 15 more millions of people from any hope of obtaining the prohibitively-expensive medical care. To say nothing of the removal of their food benefits.

整个美国医疗保健系统令人深感厌恶，简直到了令人发指的地步，这或许是排外犹太寄生虫掠夺一个国家的最佳例证。美国医疗保健系统是犹太人设计的，政府批准的通往痛苦、破产和过早死亡的捷径。在这一领域，排外的动机尤为明显。以白宫和国会囚犯为代表的美国政府，创造了一个如此明显旨在无情掠夺民众、使除富人之外所有人负债累累、破产的怪物。其设计之无情，执行之野蛮，令人发指。然而，邪恶并未止步，民众所承受的压力也未减轻。特朗普总统和国会议员最近（2025年）签署法案，使另外1500万人彻底失去了获得昂贵得令人望而却步的医疗服务的希望，更不用说取消他们的食品福利了。

Debt slavery and bankruptcy are the most obvious evidence of Exclusion. The Roosevelt Institute published an article titled: The US Medical Debt Crisis: Catastrophic Costs of Insufficient Health Coverage, in which they discuss how the Trump Administration is deliberately worsening the medical debt crisis. [21] They also discuss the “enemies” of affordable health care, and the Exclusionary financial consequences of medical debt. Another article outlines the severe financial problems due to deductibles, co-pay, co-insurance, denied claims, and “the astronomical price of health insurance” in the US, noting that the average cost for a 3-day stay in a US hospital is around $30,000. [22] Other sources note that even those with health insurance suffered a 24% increase in bankruptcies after an injury.[23]

债务奴役和破产是排斥现象最明显的证据。罗斯福研究所发表了一篇题为《美国医疗债务危机：医疗保险覆盖不足的灾难性代价》的文章，讨论了特朗普政府如何蓄意加剧医疗债务危机。[21]他们还探讨了平价医疗的“敌人”，以及医疗债务带来的排斥性财务后果。另一篇文章概述了美国因免赔额、共付额、共同保险、索赔被拒以及“医疗保险的天价”而导致的严重财务问题，并指出美国医院3天住院的平均费用约为3万美元。[22]其他消息来源指出，即使有医疗保险的人，在受伤后破产率也增加了24%。 [23]

Many public sources outline the reasons that Americans are saddled with unpayable medical debts and bankruptcies, that medical insurance offers little real protection. As one example, the average deductible by insurance companies is between $5,000 and $7,000, so patients suffer huge out-of-pocket bills before the insurance company pays anything. And even then, the patient must pay a significant percentage of all costs (co-insurance), plus many other surprise fees. This is not an accident of pricing. It is the intentional design of a system that has already calculated that the marginal patient who dies from untreated illness costs less than the wholesale price of a surgical procedure. One study on the scope of medical debt and bankruptcy stated that more than 20 million Americans (nearly 10% of the population) owe total medical debt of around $225 billion that they cannot pay, and that around 60% of all bankruptcies are due to astronomical – and unpayable – medical debts.

许多公共消息来源概述了美国人背负无法偿还的医疗债务和破产的原因，即医疗保险提供的实际保护甚少。举个例子，保险公司的平均免赔额在5000至7000美元之间，因此，在保险公司支付任何费用之前，患者需要自行承担巨额账单。即便如此，患者仍必须支付所有费用中的很大一部分（共付额），外加许多其他意外费用。这并非定价的偶然结果，而是系统有意设计的产物，该系统已经计算出，因疾病未获治疗而死亡的边际患者所造成的损失低于手术费用的批发价。一项关于医疗债务和破产范围的研究指出，超过2000万美国人（近10%的人口）欠有约2250亿美元的医疗债务，他们无力偿还，而约60%的破产是由天文数字般且无法偿还的医疗债务造成的。

The pharmaceutical industry – almost entirely Jewish-owned –has completely captured the US government, an astonishing depth of corruption that clearly prioritises profits over people. The Roosevelt Institute published two excellent papers on this. [24][25] The extent of what we term “regulatory capture”, where industries obtain effective control over their legislated regulators, is part of this extensive corrupt Exclusion system. CNN reported that after the Trump regime killed Obamacare – under pressure from the Jewish oligarchs – health insurance companies announced intentions to increase premiums by an average of 75%, with some well over 100%. [26] The obvious natural result is that healthy individuals will increasingly opt out of the insurance system due to the exorbitant cost. This leaves only the ill in the insured population, meaning that premiums will continue to increase to extravagantly unaffordable levels, and the entire system will eventually collapse. There is no more clear evidence of Exclusion than this.

制药行业——几乎完全由犹太人拥有——已经完全控制了美国政府，这种腐败程度之深令人震惊，它显然将利润置于人民之上。罗斯福研究所就此发表了两篇出色的论文。[24][25]我们所说的“监管俘获”——即行业对其法定监管机构获得有效控制——的程度，是这一广泛的腐败排斥体系的一部分。美国有线电视新闻网报道，在犹太寡头政治集团的压力下，特朗普政权废除了奥巴马医改，之后，医疗保险公司宣布计划将保费平均提高75%，有些甚至超过100%。[26]显而易见的自然结果是，由于成本过高，健康人群将越来越多地选择退出保险体系。这导致被保险人群中只剩下病人，这意味着保费将继续增加到令人难以承受的奢侈水平，整个体系最终将崩溃。没有比这更明显的排斥证据了。

NBC investigates how HCA hospitals put profits before patients: A year-long NBC news investigation found that HCA hospitals across the country cut corners in “telemetry” staffing at the expense of patients’ heath, sometimes leading to death. This is all in the interest of boosting their profit according to doctors, nurses and administrators.

NBC调查HCA医院如何将利润置于患者之上：NBC长达一年的新闻调查发现，全国各地的HCA医院为了节省成本，在“远程监测”人员配置上偷工减料，牺牲了患者的健康，有时甚至导致患者死亡。据医生、护士和管理人员称，这一切都是为了增加利润。来源/Source

Another excellent source is How Big Pharma Bought Government to Protect its Racket. [27] The study notes that the Jewish pharma companies have so much control that the US government is forbidden by law to negotiate lower or bulk prices for medications and must pay the full price demanded. These companies spend half a billion dollars a year lobbying Congress for yet more profit. It is so bad that the US pays more than three times as much as other OECD countries for medicines. Statistics show this is so lucrative that around 75% of all global pharma profits come from the US alone. And it isn’t only the pharma companies. The Jewish-owned health insurance companies have similar regulatory capture, to the extent that these few firms “avoided $34 billion in taxes”, their profits surging by 75% while they increasingly denied claims. [28][29][30]The six largest health insurers in the US reported more than $1 trillion in revenue in 2025, and around $400 billion in profits, but were pushing to raise premiums by as much as 75% to 100%.[31] I discussed in a previous essay in this series that the health insurance companies all have a large department the only purpose of which is to find a reason to deny paying a claim. For the pharmaceutical and insurance companies, price gouging is the business model.

另一本佳作是《大药企如何收买政府以保护其非法勾当》。[27]该研究指出，犹太药企拥有极大的控制权，以至于美国法律禁止政府就药品进行谈判以降低价格或批量购买价格，而必须支付所要求的全部价格。这些企业每年花费5亿美元游说国会以获取更多利润。情况之糟糕，以至于美国在药品上的支出是其他经合组织国家的三倍多。统计数据显示，这一行业利润丰厚，全球药企约75%的利润仅来自美国一地。犹太人拥有的健康保险公司也存在类似的监管俘获现象，以至于这几家企业“避税340亿美元”，其利润激增75%，同时却越来越多地拒绝理赔。[28][29][30]美国六大健康保险公司2025年的收入超过1万亿美元，利润约4000亿美元，但它们却试图将保费提高多达75%至100%。[31]我在本系列的前一篇文章中讨论过，健康保险公司都有一个庞大的部门，其唯一目的就是找到理由拒绝支付索赔。对于制药和保险公司而言，价格欺诈就是其商业模式。

The six largest health insurers reported more than $1 trillion in revenue and more than $31 billion in net income last year — and are now pushing to raise Americans’ premiums by as much as 66 percent for some policies, according to recent state regulatory filings.

根据最近的州监管文件，六大健康保险公司去年报告的收入超过1万亿美元，净收入超过310亿美元，目前正推动将部分保单的保费提高至多66%。来源/Source

To this point, we have examined how the Exclusion thesis operates through housing and education. But healthcare is where the abstraction becomes flesh. You can be excluded from shelter and still survive; you can be excluded from mobility and still hope. But when you are excluded from healthcare, you die. And the US system has been so exquisitely engineered that this outcome of premature, preventable death for the poor, is not a bug, but a feature. Extraction and Accumulation are the mechanisms for US health care, but Exclusion is the outcome. The entire industry is heavily financialised, with Jewish equity firms like Blackstone, KKR, and Apollo strip-mining the system, forcing tax cuts, blocking price negotiation, while experiencing increased morbidity and mortality, and bankrupting the population.

至此，我们已经探讨了排斥论是如何通过住房和教育来发挥作用的。但医疗保健才是这一抽象概念的具体体现。你可以被剥夺住所而仍然生存；你可以被剥夺流动性而仍然抱有希望。但当你被剥夺医疗保健时，你就会死亡。而美国的医疗体系设计得如此精巧，以至于穷人过早、可预防的死亡这一结果，不是漏洞，而是特色。榨取和积累是美国医疗保健的机制，而排斥则是其结果。整个行业高度金融化，黑石、KKR和阿波罗等犹太股权公司剥削这一体系，迫使减税，阻挠价格谈判，同时发病率和死亡率上升，民众破产。

The Jewish health insurance companies like UnitedHealth, Centene, Elevance, Humana, Cigna, and Aetna, make hundreds of billions in profits while paying all their income to owners or executing stock buybacks while denying claims. UnitedHealth is on record as denying around 1/3 of all claims submitted. The for-profit hospital chains like HCA, Tenet, and Community Health, are owned by Jewish private equity firms. The entire medical system in the US is one huge Extraction machine where debt is a de facto death sentence.

联合健康保险、森腾、Elevance、Humana、信诺和安泰等犹太医疗保险公司赚取了数千亿美元的利润，却将所有收入支付给股东或用于股票回购，同时拒绝理赔。有记录显示，联合健康保险拒绝了约三分之一提交的理赔申请。HCA、Tenet和Community Health等营利性连锁医院归犹太私募股权公司所有。美国的整个医疗体系就像一台巨大的榨取机器，债务实际上就是死刑判决。

The system is not in the business of healthcare; it is in the business of extracting wealth from the sick. If care were the product, it would be priced at cost. Instead, it is priced at what the market will bear, and the market for life has no upper bound. If the goal of a healthcare system were to provide care, we would expect to see money flowing to providers. Instead, we see money flowing to owners, executives, and shareholders. Medical bankruptcy is simply an accepted feature of the system, as are the unnecessary deaths. It is astonishing, criminal even, that US courts have consistently upheld the corporate right to deny care when a patient cannot pay. The message is clear: corporate profit preempts human survival. In line with this is the practice of “patient-dumping”, of refusing to provide care for a patient with limited means, and instead sending them to another hospital with promises of treatment. There are reports of seriously-ill patients dying in a taxi while being shunted in an endless circular route between hospitals. These hospitals offload the sickest and most expensive patients to public hospitals, while still recording higher mortality.

该体系并非以医疗保健为业；而是以从病人身上榨取财富为业。如果医疗服务是产品，那么它应该按成本定价。然而，它的定价却取决于市场能够承受的价格，而生命市场没有上限。如果医疗保健体系的目标是提供医疗服务，那么我们就会看到资金流向医疗服务提供者。相反，我们却看到资金流向了所有者、高管和股东。医疗破产和不必要的死亡一样，仅仅是该体系的一个公认特征。令人震惊甚至犯罪的是，美国法院一直支持企业在患者无法支付费用时拒绝提供护理的权利。这一信息很明确：企业利润凌驾于人类生存之上。与此相一致的是“弃医弃药”的做法，即拒绝为经济状况有限的患者提供医疗服务，而是将他们送到另一家承诺提供治疗的医院。有报道称，重症患者在出租车中死亡，而他们只是在医院之间无休止地来回奔波。这些医院将病情最重、费用最高的患者转嫁给公立医院，同时记录的死亡率仍然更高。

It is even worse than you might imagine. US health insurance companies have been sued for “approving too much patient care”, i.e., not denying enough claims. Their argument is that when a health insurance company actually pays claims, this leads to lower profits and dividends and to a decline in the stock price. If that isn’t inhuman, what would be? The structure is explicit and legally protected: maximise premiums, maximise denial, minimise payout, and funnel the money to the owners and shareholders.

情况甚至比你想象中还要糟糕。美国医疗保险公司因“批准过多患者护理”而被起诉，即没有拒绝足够的索赔。他们的理由是，当医疗保险公司实际支付索赔时，会导致利润和分红降低，股价下跌。如果这都不算不人道，那什么才算？这种结构是明确的，并且受到法律保护：最大限度地提高保费，最大限度地拒绝索赔，最大限度地减少赔付，并将资金输送给所有者和股东。

In this new moral economy, contempt is part of the policy. Our Exclusion thesis predicts that elites will frame the victim’s condition not as the result of extraction, but as a moral failing. In healthcare, this takes two forms:

在这种新的道德经济中，蔑视是政策的一部分。我们的“排斥论”预测，精英阶层不会将受害者的状况归咎于剥削，而是将其视为道德上的失败。在医疗保健领域，这表现为两种形式：

(1) Personal Responsibility.The uninsured and underinsured are rhetorically constructed as people who “chose” not to work for employers offering coverage, who “preferred” to spend their money on other things, who “failed” to budget for their own medical emergencies. Never mind that the median emergency room visit costs an amount equal to months of rent; never mind that the average American cannot produce $500 for an unexpected expense.

（1）个人责任。未参保和参保不足的人在言辞上被塑造成这样一类人：他们“选择”不为提供保险的雇主工作，他们“更愿意”把钱花在其他事情上，他们“未能”为自己的医疗紧急情况做好预算。更不用说，急诊室就诊的平均费用相当于数月的房租；更不用说，普通美国人无法拿出500美元来应对意外开支。

(2) “Cost Control”: When insurers deny claims and private hospitals cut staff, they frame it as “eliminating waste” and “improving efficiency.” The patients who die, are not victims of Extraction and Exclusion, but a statistical rounding error. US Senator Chris Murphy said, “The motivation is not to care for people. There’s a soullessness, an emptiness to our current health care system now that the driving force isn’t taking care of people; it’s making a tiny number of people a disgusting amount of money”. The moral framing is a typical Exclusion justification. The situation is constructed in such a way as to blame the victim. Those Excluded are morally deserving of their condition.

(2) “成本控制”：当保险公司拒绝理赔，私立医院裁员时，他们将其描述为“消除浪费”和“提高效率”。那些逝去的病人并非“榨取与排除”的受害者，而只是统计上的四舍五入误差。美国参议员克里斯·墨菲曾表示：“其动机并非关心民众。我们当前的医疗体系缺乏灵魂和内涵，因为其驱动力并非关心民众；而是让少数人赚取令人发指的巨额财富。”这种道德框架是典型的“排除”理由。这种情况的构建方式旨在归咎于受害者。那些被排除在外的人在道德上理应承受他们的处境。

Every other wealthy nation has demonstrated that universal coverage is affordable, that negotiating drug prices is feasible, that private profit can be separated from the provision of care. The US does none of these things, not because it cannot, but because the Jews who control the system have structured it to extract maximum value from the sick, the injured, and the dying. A cancer patient in France pays nothing. A cancer patient in the United States files for bankruptcy – and then dies anyway.

其他所有富裕国家都已证明，全民覆盖是负担得起的，药品价格谈判是可行的，私人利润可以与医疗服务提供相分离。美国却做不到这些，不是因为它做不到，而是因为控制这个体系的犹太人已经将其构建得能从病人、伤者和垂死者身上榨取最大价值。在法国，癌症患者无需支付任何费用。而在美国，癌症患者申请破产——然后还是难逃一死。

The US healthcare system is the Exclusion thesis in its most naked form. It does not merely deny wealth; it denies life itself. The evidence is unambiguous: Insurers reject claims at staggering rates, and are penalised by shareholders when they approve too much care. Private equity buys hospitals, cuts staff, cuts wages, and produces measurable increases in patient deaths. Congress extends tax breaks for insurers while stripping coverage from 15 million Americans.

美国医疗体系是“排斥论”最赤裸裸的体现。它不仅拒绝财富，还拒绝生命本身。证据确凿：保险公司以惊人的速度拒绝理赔，而当他们批准过多的护理时，则会受到股东的惩罚。私募股权公司收购医院，裁减员工，降低工资，导致患者死亡人数显著增加。国会延长了对保险公司的税收减免，同时剥夺了1500万美国人的保险覆盖。

The system is not broken; it is refined. It is not failing; it is succeeding at its actual purpose: the extraction of wealth from the sick and dying, and the Exclusion of the non‑wealthy from the basic human right to survive treatable conditions. If the goal were simply profit maximisation, you would expect some upper bound at a point at which further extraction kills the host. But the evidence suggests that even when extraction demonstrably kills patients, as private equity hospitals do, the extraction continues. The objective, as we hypothesised, is not merely the money itself, but in the exclusion. And in healthcare, exclusion is death.

这个体系并未崩溃；它只是被优化了。它并未失败；它在实现其实际目的方面是成功的：从病重垂死之人身上榨取财富，并剥夺非‑富有人群在可治疗条件下生存的基本人权。‑如果目标仅仅是利润最大化，那么你会预期存在一个上限，超过这个上限，进一步的榨取就会置宿主于死地。但证据表明，即使榨取行为（如私募股权医院所为）明显导致患者死亡，这种榨取仍在继续。正如我们所假设的，其目标不仅仅是金钱本身，而是排斥。而在医疗保健领域，排斥就是死亡。

US infant mortality is #141 in the world, far behind Cuba, Kazakhstan, Nauru, Albania, Armenia, Iran, Colombia, Mongolia, Azerbaijan, and even Palestine and Lebanon in spite of the genocide.

尽管发生了种族灭绝事件，但美国的婴儿死亡率在全球排名第141位，远远落后于古巴、哈萨克斯坦、瑙鲁、阿尔巴尼亚、亚美尼亚、伊朗、哥伦比亚、蒙古、阿塞拜疆，甚至巴勒斯坦和黎巴嫩。

If we examine the stark international contrast, it becomes obvious proof that Exclusion the real choice being made. The US spends $15,000 per capita on healthcare, more than double the OECD average of $6,000. US healthcare spending consumes around 18% of GDP, compared to an OECD average of 9%. Yet life expectancy in the US is far below the OECD average, and preventable mortality is far above. The OECD published a study titled Health at a Glance 2025: United States, stating that the US is below average on 70% of all health indicators compared to the rest of the world, or at least to the “developed” world. [32] As of 2026, American life expectancy is #61 in the world, far behind, Estonia, Croatia, Albania, Czechia, Costa Rica, Chile, and Slovenia.[33] US infant mortality is #141 in the world, far behind Cuba, Kazakhstan, Nauru, Albania, Armenia, Iran, Colombia, Mongolia, Azerbaijan, and even Palestine and Lebanon in spite of the genocide. [34]But it isn’t the rich Jewish kids who are dying; it’s the non-Jews.

如果我们审视国际间的鲜明对比，就会明显发现“排斥”是真正的选择。美国人均医疗支出为15,000美元，是经合组织（OECD）平均水平（6,000美元）的两倍多。美国医疗支出约占国内生产总值（GDP）的18%，而经合组织的平均水平为9%。然而，美国的预期寿命远低于经合组织的平均水平，可预防死亡率则远高于平均水平。经合组织发布了一项题为《2025年健康概览：美国》的研究报告，指出与世界其他国家或至少与“发达”国家相比，美国在70%的健康指标上低于平均水平。[32]截至2026年，美国人的预期寿命在全球排名第61位，远远落后于爱沙尼亚、克罗地亚、阿尔巴尼亚、捷克、哥斯达黎加、智利和斯洛文尼亚。[33]美国婴儿死亡率在全球排名第141位，远远落后于古巴、哈萨克斯坦、瑙鲁、阿尔巴尼亚、亚美尼亚、伊朗、哥伦比亚、蒙古、阿塞拜疆，甚至落后于遭受种族灭绝的巴勒斯坦和黎巴嫩。[34]但死亡的并非富有的犹太儿童，而是非犹太人。

Mr. Romanoff’s writing has been translated into 34 languages and his articles posted on more than 150 foreign-language news and politics websites in more than 30 countries, as well as more than 100 English language platforms. Larry Romanoff is a retired management consultant and businessman. He has held senior executive positions in international consulting firms, and owned an international import-export business. He has been a visiting professor at Shanghai’s Fudan University, presenting case studies in international affairs to senior EMBA classes. Mr. Romanoff lives in Shanghai and is currently writing a series of ten books generally related to China and the West. He is one of the contributing authors to Cynthia McKinney’s new anthology ‘When China Sneezes’. (Chap. 2 — Dealing with Demons).

罗曼诺夫先生的作品已被翻译成34种语言，他的文章被发布在30多个国家的150多个外文新闻和政治网站上，以及100多个英文平台上。拉里·罗曼诺夫（Larry Romanoff）是一位退休的管理顾问和商人。他曾在国际咨询公司担任高级管理职务，并拥有一家国际进出口企业。他曾任上海复旦大学客座教授，为高级EMBA课程讲授国际事务案例研究。罗曼诺夫先生现居上海，目前正在撰写一系列共十本书，总体上涉及中国与西方的话题。他是辛西娅·麦金尼（Cynthia McKinney）新选集《当中国打喷嚏》（When China Sneezes）的特约作者之一（第2章——与恶魔打交道）。

His full archive can be seen at

他的全部档案可以在以下网址查看：

https://www.bluemoonofshanghai.com/ + https://www.moonofshanghai.com/

He can be contacted at: 2186604556

他的联系方式是：2186604556

NOTES – Part 5
注释 – 第5部分

[1] The 2008 US Gentile Housing Crisis (1 of 4)
https://www.bluemoonofshanghai.com/politics/22770/
[1] 2008年美国非犹太人住房危机（四分之一）
https://www.bluemoonofshanghai.com/politics/22770/
[2] The 2008 US Gentile Housing Crisis (2 of 4)
https://www.bluemoonofshanghai.com/politics/22825/
[2] 2008年美国非犹太人住房危机（第2页，共4页）
https://www.bluemoonofshanghai.com/politics/22825/
[3] The 2008 US Gentile Housing Crisis (3 of 4)
https://www.bluemoonofshanghai.com/politics/22864/
[3] 2008年美国非犹太人住房危机（四分之三）
https://www.bluemoonofshanghai.com/politics/22864/
[4] The 2008 US Gentile Housing Crisis (4 of 4)
https://www.bluemoonofshanghai.com/politics/22911/
[4] 2008年美国非犹太裔住房危机（四集之四）
https://www.bluemoonofshanghai.com/politics/22911/
[5] FIRE SALES TO WALL STREET: A Review of Government-Sponsored Residential Note Sales
https://realbankreform.org/2025/12/17/fire-sales-to-wall-street-a-review-of-government-sponsored-residential-note-sales/
[5] 华尔街的甩卖：政府资助的住宅票据销售回顾
https://realbankreform.org/2025/12/17/fire-sales-to-wall-street-a-review-of-government-sponsored-residential-note-sales/
[6] FIRE SALES TO WALL STREET: A Review of Government-Sponsored Residential Note Sales
https://realbankreform.org/2025/12/17/fire-sales-to-wall-street-a-review-of-government-sponsored-residential-note-sales/
[6] 华尔街的减价出售：政府资助的住宅票据销售回顾
https://realbankreform.org/2025/12/17/fire-sales-to-wall-street-a-review-of-government-sponsored-residential-note-sales/
[7] Beyond Wall Street Landlords: How Private Equity in the Rental Market Makes Housing Unaffordable, Unstable, and Unhealthy | Unequal Cities
https://unequalcities.org/2021/03/18/beyond-wall-street-landlords/
[7] 超越华尔街房东：租赁市场中的私募股权如何让住房变得难以负担、不稳定且不健康 | 不平等城市
https://unequalcities.org/2021/03/18/beyond-wall-street-landlords/
[8] Blackstone’s Rent Hikes Are Fueling The Housing Crisis—And Billionaires Keep Profiting
https://invisiblepeople.tv/blackstones-rent-hikes-are-fueling-the-housing-crisis-and-billionaires-keep-profiting/
[8] 黑石的租金上涨正在加剧住房危机——而亿万富翁们却持续获利
https://invisiblepeople.tv/blackstones-rent-hikes-are-fueling-the-housing-crisis-and-billionaires-keep-profiting/
[9] Bloomberg Blackstone, Schwarzman
https://finance.yahoo.com/news/blackstone-schwarzman-takes-home-more-223619198.html
[9] 彭博社报道黑石集团，苏世民
https://finance.yahoo.com/news/blackstone-schwarzman-takes-home-more-223619198.html
[10] Blackstone’s Rent Hikes Are Fueling The Housing Crisis—And Billionaires Keep Profiting
https://invisiblepeople.tv/blackstones-rent-hikes-are-fueling-the-housing-crisis-and-billionaires-keep-profiting/
[10] 黑石的租金上涨正在加剧住房危机——而亿万富翁们却持续获利
https://invisiblepeople.tv/blackstones-rent-hikes-are-fueling-the-housing-crisis-and-billionaires-keep-profiting/
[11] Military Turns To Prison Labor For $100 Million In Uniforms — At $2-Per-Hour Wages
https://www.huffpost.com/entry/military-prison-uniforms_n_4498867
[11] 军方耗资1亿美元采购制服，却以每小时2美元的工资雇佣监狱劳工
https://www.huffpost.com/entry/military-prison-uniforms_n_4498867
[12] 13 Everyday Items You Never Knew Were Made By Prisoners
https://www.thrillist.com/gear/products-made-by-prisoners-clothing-furniture-electronics
[12] 你可能不知道的13种日常用品竟是由囚犯制造的
https://www.thrillist.com/gear/products-made-by-prisoners-clothing-furniture-electronics
[13] 70 Products Sold By Companies Using Prison Labor
https://themodernjedi.com/70-products-sold-by-companies-using-prison-labor/
[13] 70家公司使用监狱劳工销售的产品
https://themodernjedi.com/70-products-sold-by-companies-using-prison-labor/
[14] 11 products you might not realize were made by prisoners
https://theweek.com/articles/463364/11-products-might-not-realize-made-by-prisoners
[14] 你可能没意识到，这11种产品竟是由囚犯制造的
https://theweek.com/articles/463364/11-products-might-not-realize-made-by-prisoners
[15] INCARCERATION NATION
https://www.bluemoonofshanghai.com/politics/8595/
[15] 监禁之国
https://www.bluemoonofshanghai.com/politics/8595/
[16] Blackstone Comes to Collect: How America’s Largest Landlord and Wall Street’s Highest Paid CEO Are Jacking Up Rents and Ramping Up Evictions
https://pestakeholder.org/reports/blackstone-comes-to-collect-how-americas-largest-landlord-and-wall-streets-highest-paid-ceo-are-jacking-up-rents-and-ramping-up-evictions/
[16] 黑石集团来收账：美国最大房东与华尔街最高薪CEO如何抬高租金并加大驱逐力度
https://pestakeholder.org/reports/blackstone-comes-to-collect-how-americas-largest-landlord-and-wall-streets-highest-paid-ceo-are-jacking-up-rents-and-ramping-up-evictions/
[17] Preliminary Analysis: Eviction Filing Patterns in 2025
https://evictionlab.org/ets-report-2025/
[17] 初步分析：2025年驱逐申请模式
https://evictionlab.org/ets-report-2025/
[18] $17,000 loan
https://v.douyin.com/GcyJBT0KUb8/
[18] 17,000美元贷款
https://v.douyin.com/GcyJBT0KUb8/
image: $220,000
[19] $96,000 loan, $196,000 paid, still owes $220,000
https://v.douyin.com/iVcMEnT4ykI/
图片：22万美元
[19] 贷款9.6万美元，已还19.6万美元，仍欠22万美元
https://v.douyin.com/iVcMEnT4ykI/
[20] The US Healthcare System
https://www.bluemoonofshanghai.com/politics/en-larry-romanoff-the-us-healthcare-system-october-20-2020/
[20] 美国医疗体系
https://www.bluemoonofshanghai.com/politics/en-larry-romanoff-the-us-healthcare-system-october-20-2020/
[21] The US Medical Debt Crisis: Catastrophic Costs of Insufficient Health Coverage
https://rooseveltinstitute.org/publications/medical-debt/
[21] 美国医疗债务危机：医疗保险覆盖不足带来的灾难性成本
https://rooseveltinstitute.org/publications/medical-debt/
[22] How do people have huge medical bills with insurance?
https://insuredandmore.com/how-do-people-have-huge-medical-bills-with-insurance
[22] 为什么有保险的人也会产生巨额医疗费用？
https://insuredandmore.com/how-do-people-have-huge-medical-bills-with-insurance
[23] Medical emergencies can lead to debt and bankruptcy — even for insured Americans
https://www.cnbc.com/2026/02/12/medical-debt-bankruptcy.html
[23] 医疗紧急情况可能导致债务和破产——即使对于有保险的美国人也是如此
https://www.cnbc.com/2026/02/12/medical-debt-bankruptcy.html
[24] Capturing the Government: Big Pharma’s Take Over of Policymaking
https://rooseveltinstitute.org/press-releases/capturing-the-government-big-pharmas-take-over-of-policymaking/
[24] 俘获政府：大型制药公司对政策制定的掌控
https://rooseveltinstitute.org/press-releases/capturing-the-government-big-pharmas-take-over-of-policymaking/
[25] Profit over Patients: How the Rules of Our Economy Encourage the Pharmaceutical Industry’s Extractive Behavior
https://rooseveltinstitute.org/publications/profit-over-patients-economy-encourage-pharmaceutical-industry-extractive-behavior/
these rules, as they are currently written, create drug companies that value profits more than people.
[25]《利润凌驾于患者之上：我们的经济规则如何助长制药行业的榨取行为》
https://rooseveltinstitute.org/publications/profit-over-patients-economy-encourage-pharmaceutical-industry-extractive-behavior/
这些规则，就其目前的表述而言，造就了将利润置于人命之上的制药公司。
[26] ACA insurers propose biggest premium hikes since 2018 as Trump policies take hold
https://edition.cnn.com/2025/07/18/politics/aca-insurance-premiums-increase-2026
[26] 随着特朗普政策生效，ACA保险公司提出自2018年以来最大幅度的保费上涨
https://edition.cnn.com/2025/07/18/politics/aca-insurance-premiums-increase-2026
[27] How Big Pharma Bought Government to Protect its Racket
https://cepr.net/publications/how-big-pharma-bought-government-to-protect-its-racket/
[27] 大药企如何收买政府以维护其非法勾当
https://cepr.net/publications/how-big-pharma-bought-government-to-protect-its-racket/
[28] Health insurers avoided $34B in taxes while denying claims
https://businesspostcorner.com/health-insurers-avoided-34b-in-taxes-while-denying-claims/
[28] 健康保险公司拒绝理赔时避税340亿美元
https://businesspostcorner.com/health-insurers-avoided-34b-in-taxes-while-denying-claims/
[29] Health insurers avoided $34B in taxes while denying claims
https://www.accountingtoday.com/news/health-insurers-avoided-34b-in-taxes-while-denying-claims
[29] 健康保险公司通过拒绝理赔避税340亿美元
https://www.accountingtoday.com/news/health-insurers-avoided-34b-in-taxes-while-denying-claims
[30] Health Insurers Are Hiking Premiums as Their Profits Balloon
https://www.msn.com/en-us/money/insurance/health-insurers-are-hiking-premiums-as-their-profits-balloon/ar-AA1J0TkN
[30] 健康保险公司利润激增，保费随之上涨
https://www.msn.com/en-us/money/insurance/health-insurers-are-hiking-premiums-as-their-profits-balloon/ar-AA1J0TkN
[31] Health Insurers Push Huge Premium Hikes As Profits Soar
https://www.levernews.com/health-insurers-push-huge-premium-hikes-as-profits-soar/
[31] 健康保险公司利润飙升，保费大幅上涨
https://www.levernews.com/health-insurers-push-huge-premium-hikes-as-profits-soar/
[32] Health at a Glance 2025: United States
https://www.oecd.org/en/publications/health-at-a-glance-2025_15a55280-en/united-states_3517f35e-en.html
[32] 《2025年健康概览：美国》
https://www.oecd.org/en/publications/health-at-a-glance-2025_15a55280-en/united-states_3517f35e-en.html
[33] Countries by Life Expectancy 2026
https://www.worldcountrydata.com/en/rankings/life-expectancy
[33] 2026年各国预期寿命排名
https://www.worldcountrydata.com/en/rankings/life-expectancy
[34] Countries by Infant Mortality 2026
https://www.worldcountrydata.com/en/rankings/infant-mortality
[34] 2026年各国婴儿死亡率排名
https://www.worldcountrydata.com/en/rankings/infant-mortality
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This article may contain copyrighted material, the use of which has not been specifically authorised by the copyright owner. This content is being made available under the Fair Use doctrine, and is for educational and information purposes only. There is no commercial use of this content.本文可能包含受版权保护的材料，其使用并未获得版权所有者的明确授权。本文内容依据合理使用原则提供，仅用于教育和信息目的。本文内容不得用于商业用途。

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