In this way, the ultimate triumph of capitalism comes about when each worker becomes his or her own capitalist, the 'entrepreneur-of-the-self' who decides how much to invest in his or her own future (education, health and so forth), paying for these investments by becoming indebted. What were formally rights (to education, healthcare, housing) thus become free decisions to invest, which are formally at the same level as the banker's or capitalist's decision to invest in this or that company, so that--at this formal level--everyone is a capitalist getting indebted in order to invest [...] the freedom of choice imposed on him is a false one; it is the very form of his servitude.