Modern civilization has begun a slow but accelerating decline, owing to a culmination of several serious issues, and we have financed our denial with cheap credit
because
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Climate change means many major world cities are threatened in the near term as oceans and temperatures rise. The resulting refugee crisis will strain civilization.
People are losing faith in institutions, as evidenced by Brexit, Bernie or Bust, and Trump. This lack of faith makes our institutions increasingly fragile.
Availability of cheap credit has hidden most of the bad effects of the accelerating decline so far, but borrowing from future growth that might not happen will only accelerate decline.