“It’s tempting to believe that powerful people and organizations are conspiring in secret to cause mysterious or unfair events to occur. The conspiracies supposedly involve dozens of people working across many time zones in complete secrecy... ...What’s actually happening, right in front of us, all the time, is that systems are causing uncoordinated actions to occur. When banks, for example, create a cycle of more debt and higher interest rates for students, they didn’t need to have a secret meeting to pull that off."