why can you go to your local bank and take out a 30-year mortgage (if you have some collateral)?

Because they can pump more money into the system with the loans.

They're going to collapse the current fractional reserve system for the public, and replace it with UBI.

Loans will still be issued to the elite.

"Stake Holder Capitalism" - Satan Klaus (Schwabb)

"Stake holder capitalism" is a terrible description for an economic system; highlighting the creative boundaries of these psychopaths.

The "stake" may be a veiled reference to the vampiric nature of usury.
The vampires are working on safely and effectively culling the herd.

This confusing stakeholder description reminds me of some Chinese diplomats who were visiting Australia a few years ago.

These diplomats were confused (angered and indignant) at a ribbon cutting ceremony (IIRC), because Australian politicians repeatedly indicated that they were Chinese... "stakeholders".

None of them understood the metaphor. Some suspected they were being described as junior partners; who would hold steaks for the Aussies, or similar variations, etc.

Finally, one Chinese politician stood up and asked, "What do you mean by the term 'stake holders' you sheepish Aussie cunts?" <paraphrasing>

The tension was quickly abated, and both sides got a laugh out of it.

Then they went back to drinking wine and openly conspiring the Agenda 21/2030 catastrophe that we're currently witnessing in the region. :-/