Most of these tools are designed to keep the obedient drones working as long as possible. Just like public school. Just like social security and other pension schemes. Just like the mortgage industry. Just like our tax system.
Our titans of industry, our wealthiest elite, live lives of leisure because the rest of us continue to work so hard that they don't have to. It's no different than medieval serfdom, in some respects. We've just found better ways of keeping the peasants from revolting.