The post-2000 generation, believing they've seen through the tricks of capital, dodged the heavy mortgage and car loans of their parents, feels free and unfettered.

This idea is a bit naive. Capital is never idle. If you refuse its hard tactics, it will resort to softer tactics, tailoring three complex traps for you, more subtle and ruthless than mortgages and car loans.

Mortgages and car loans at least leave you with a house and a car, but what about these new traps? Emptying your wallet is a minor issue; the most worrying thing is that they unknowingly wear away your strength and resolve to turn things around. $ONT