the banks are going to have to get involved soon...figure out a way to load up working-age people with long-term debt

Why the hell do the banks need to step in? System for an indentured workforce is already in full effect:

• no safety net, unemployment difficult to get and punishing poverty if it's all you have
• require a car (e.g. initial capital and ongoing cost) to participate in many jobs
• have oligopolies rent out housing that is so expensive even those with full-time work can't save any money
• have oligopolies own groceries, they maximize profits (consumer cost)
• have oligopolies own medical facilities, they maximize profits (consumer cost)
• stuff people full of consumer desires and give them easy access to credit