Prone to errors!

And deliberate manipulations into interest charged. Unless you are getting a full statement that shows the interest payment (and it sounds like you aren't), then assume that you have been overcharged on your interest. Probably not much, but small amount means the loan drags on for a few more years.

The bankers know most people do not check their statements and can get away with $20 a month extra in interest charges. If the bank is found in error, it will apologize and rectify. But it's still too bad for the other debtors.

BTW, are you aware that the young people of rich families don't have this problem?

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A month ago, I had a fellow write a critical commentary on my alternative democracy. Here is my response:

https://medium.com/tiered-democratic-governance/bashing-an-alternative-democracy-fb5c43ee77c6

Whenever you are ready to start building this new way, it's all there for you.