

They’re run by the same average people who work for them. You don’t need to be an idiot to fuck up running something as large and complicated as a trans-national corporation. You don’t need to be a genius to coast in a position that already prints money.
We’re simply not that different from one another. The genius/idiot dichotomy is far more about variances in education, culture, and propagandized bigotry than finding actual differences in intellect.
Except credit changes the math on that significantly. You aren’t constrained by your income, but by your risk of default (and even then… glances 2008-ward) Then you can afford to buy more by paying a higher interest rate.
“Willingly” is doing a lot of lifting, given the degree to which fraud, extortion, and price gouging play a roll in the national economy.
Promotion (and deception and intimidation) drives sales. They create the illusion of scarcity and transform luxury into necessity.
They add perceived value among the unwitting and create implicit value through absence of harm.