Jews are Plundering the World – Part 5
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. 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.
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.
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.
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.
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.
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.
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.
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.
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.
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]
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.
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”.
Blackstone’s Schwarzman Took Home a Near-Record $1.24 Billion in 2025. 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]
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.
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]
Profiting Off Prisoners: The Big Secret of Victoria Secrets. 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.
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.
Case Study: Education
US Student Loans — A Debt Prison of $1.84 Trillion
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.
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.
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.
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.
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.
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.
A $96,000 loan, $165,000 paid; $220,000 still outstanding. 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Case Study: US Health Care
Where Exclusion Manifests as Premature Death
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.
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.
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.
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]
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.
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.
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. 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.
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. 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.
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.
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.
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.
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:
(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.
(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.
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.
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.
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.
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.
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.
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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).
His full archive can be seen at
https://www.bluemoonofshanghai.com/ + https://www.moonofshanghai.com/
He can be contacted at:2186604556@qq.com
*
NOTES – Part 5
[1] The 2008 US Gentile Housing Crisis (1 of 4)
https://www.bluemoonofshanghai.com/politics/22770/
[2] The 2008 US Gentile Housing Crisis (2 of 4)
https://www.bluemoonofshanghai.com/politics/22825/
[3] The 2008 US Gentile Housing Crisis (3 of 4)
https://www.bluemoonofshanghai.com/politics/22864/
[4] The 2008 US Gentile Housing Crisis (4 of 4)
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/
[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/
[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/
[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/
[9] Bloomberg Blackstone, Schwarzman
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/
[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
[12] 13 Everyday Items You Never Knew Were Made By Prisoners
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/
[14] 11 products you might not realize were made by prisoners
https://theweek.com/articles/463364/11-products-might-not-realize-made-by-prisoners
[15] INCARCERATION NATION
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/
[17] Preliminary Analysis: Eviction Filing Patterns in 2025
https://evictionlab.org/ets-report-2025/
[18] $17,000 loan
https://v.douyin.com/GcyJBT0KUb8/
image: $220,000
[19] $96,000 loan, $196,000 paid, still owes $220,000
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/
[21] The US Medical Debt Crisis: Catastrophic Costs of Insufficient Health Coverage
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
[23] Medical emergencies can lead to debt and bankruptcy — even for insured Americans
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/
[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.
[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
[27] How Big Pharma Bought Government to Protect its Racket
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/
[29] Health insurers avoided $34B in taxes while denying claims
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
[31] Health Insurers Push Huge Premium Hikes As Profits Soar
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
[33] Countries by Life Expectancy 2026
https://www.worldcountrydata.com/en/rankings/life-expectancy
[34] Countries by Infant Mortality 2026
https://www.worldcountrydata.com/en/rankings/infant-mortality
*
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