In the contemporary age of financialization, more and more citizens of the world are living in debt bondage and finding themselves subject to those financial institutions that are endangering the global political economy. At this turning point in global capitalism, even if the “one percent” provided “clean slates” for the debtors of the world, which has occurred many times in human history, the current economic polarization will continue to intensify so long as the contradictions of unsustainable capital accumulation are not resolved. In order to avoid a futuristic neo-serfdom, where people are not tied to the land, but are free to live wherever, though they are unable to make ends meet anywhere, structural reconstructions of our political economies are necessary. Using higher education and the student-loan debt crisis in the United States as its focus, this article makes the case for student relief rather than for student distress, especially for marginalized consumers. This investigation is not about state-financial criminality per se. More appropriately, it is about social harm in the tradition of zemiology.

中文翻译：

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债务减免改革不足以改变不平等与伤害再生产的关系：以教育债务为例与结构重组的必要性

在当今金融化时代，越来越多的世界公民生活在债务束缚中，发现自己受制于那些危及全球政治经济的金融机构。在全球资本主义的这个转折点，即使“百分之一”为世界债务人提供了“白纸黑字”，这在人类历史上已经发生过很多次了，但只要世界各国的矛盾不断加剧，当前的经济两极分化将继续加剧。不可持续的资本积累没有得到解决。为了避免未来主义的新农奴制，人们不受土地束缚，可以自由地生活在任何地方，尽管他们无法在任何地方维持生计，我们的政治经济的结构性重建是必要的。本文以美国高等教育和学生贷款债务危机为重点，提出了学生救济而非学生困境的理由，特别是针对边缘化消费者。这项调查与国家金融犯罪本身无关。更恰当地说，它是关于地名学传统中的社会危害。