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Another key point is that no serious Socialist movement in history has been about "equal pay" or "lacking incentives for skilled labor." The idea of Socialism and Communism that exists in the minds of anticommunists is the kind that was debunked by Communists centuries ago as Utopian and lacking Materialist analysis.
Im specifically thinking of landlords :3
Usury only benefits owners, there's no legitimate economic argument for usury even among pro-Capitalists. It creates nothing.
Usury produces labor through indentured servitude. /s