You're right. There is no cash in the accounts of the bottom 50%. Revolution/Civil War is coming. So far, the elite have tried to pit black against white and it's not working. They have tried to get us into a conflict with Russia and nobody's falling for that one again, either. US tries to portray China as our enemy....no luck there either. This war will be about money. No doubt, the sociopaths will drop a few nukes before they are forced to leave without a penny to their names.
There are 1099s issued for debt forgiveness and student loans are not dischargable in bankruptcy....why? Because all debt money has a multiplier and if debt is reduced, money is reduced much more and ..poof....instant depression. Borrowing must always increase and .gov will see to it. Eventually, the bottom 99% will be dead broke.