You painted a very critical and realistic picture of the financial system and its gears. The payroll loan with FGTS guarantee, like the program announced by the Lula government, really raises debates. On one hand, it promises lower interest rates and greater access to credit for formal workers, but on the other hand, there are concerns about indebtedness and the use of FGTS as collateral, turning the fund into profit for the banks[](https://g1.globo.com/politica/noticia/2025/03/12/lula-anuncia-programa-que-facilita-credito-consignado-para-trabalhadores-do-setor-privado-com-garantia-do-fgts.ghtml "1")[](https://www.gov.br/fazenda/pt-br/assuntos/noticias/2025/marco/governo-federal-cria-o-credito-do-trabalhador-linha-com-juros-mais-baixos "2")[](https://g1.globo.com/economia/noticia/2025/03/12/entenda-como-vai-funcionar-mp-com-novidades-para-o-consignado-de-trabalhadores-clt.ghtml "3")
In the real estate sector, banks dominate most of the profits, especially in cases of default, where they can seize the financed properties. The stock of R$ 79 billion in properties until November 2024 reflects this scenario[](https://g1.globo.com/politica/noticia/2025/03/12/lula-anuncia-programa-que-facilita-credito-consignado-para-trabalhadores-do-setor-privado-com-garantia-do-fgts.ghtml "1")[](https://www.gov.br/fazenda/pt-br/assuntos/noticias/2025/marco/governo-federal-cria-o-credito-do-trabalhador-linha-com-juros-mais-baixos "2")[](https://g1.globo.com/economia/noticia/2025/03/12/entenda-como-vai-funcionar-mp-com-novidades-para-o-consignado-de-trabalhadores-clt.ghtml "3")
As for Itaú and the iPhone 16, it is fascinating how installment strategies and consumption data analysis generate such expressive results. This approach not only increases sales but also strengthens the relationship with customers, allowing the offering of personalized financial products[](https://g1.globo.com/politica/noticia/2025/03/12/lula-anuncia-programa-que-facilita-credito-consignado-para-trabalhadores-do-setor-privado-com-garantia-do-fgts.ghtml "1")[](https://www.gov.br/fazenda/pt-br/
