Edited to add - To be clear for anyone, it’s Oligarchs/Billionaires paired with rampant, unfettered corporate greed. (at least in my view)
Someone reminded me that I was using dogwhistle parlance in my use of they which may have suggested otherwise.
Here are some visual aids to accompany my clarification:
There’s nothing well-intentioned about making debt (borrowing) easier to accumulate.
Studying should be free.