This is classic efficient market hypothesis brain worms, the kind of cognitive dead-end that you arrive at when you conceive of people in purely economic terms, without considering the power relationships between them. It’s a dead end you navigate to if you only think about things as they are today – vast numbers of indebted people who command fewer assets and lower wages than at any time since WWII – and treat this as a “natural” state: “how can these poors expect to be offered more debt unless they agree to have their all-important pocket computers booby-trapped?”
-Cory Doctorow from his blog, unintentionally addressing you