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Atlas Shrugged Part II, Chapter 5: Account Overdrawn - The Bill Comes Due

The title of this chapter is perfect. An account overdrawn. You’ve been spending what you didn’t earn, borrowing from competence you didn’t build, and now the bank is calling. Every system has a buffer, a margin of error built by the people who actually knew what they were doing. This chapter is about what happens when that buffer hits zero.