Amid the smoldering ruin of the post-meltdown American scene, the popular mind now sees one last means of ascending the ladder of social mobility: obtaining a four-year college degree. As more and more rush to climb it, scarcity sets in, and tuition spirals. You, the graduate, soon recognize that there aren’t many jobs out there paying enough to allow you to service your six-figure debt load. College may be worth it now only if you can get accepted into what we call top-tier schools. But they’ve got no space for you—the children born into upper-middle-class families have taken those spots, and they’ve kicked down the ladder behind them. They will hoover up your money, present and future, and, eventually, they will lose it all playing financial computer games. The crimes of larceny, fraud, embezzlement, tax evasion, and bad taste will not apply to them. They will blame you for taking out loans that you couldn’t afford, even though they were the ones who approved them and pushed them on you.