They have to because otherwise there's no more fuel for the ground floor of critical operations in every org. There have to be reliable people on the ground floor or all the profit gets lost.
Most orgs hold debt, too. A rising tide would lift all boats in this case.
Why do you say most orgs hold debt?
Apple and other big tech firms have tons of savings invested.
And regarding people, in the US anyway, many hold debt, but many hold savings.
If i'm understanding your description, it incentivizes holding debt?
Most orgs hold debt, too. A rising tide would lift all boats in this case.