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How the Other Half Banks: Exclusion, Exploitation, and the Threat to Democracy

Welcome to Crisis in Perception, where we examine the systems shaping our world. This episode explores How the Other Half Banks: Exclusion, Exploitation, and the Threat to Democracy by Mehrsa Baradaran as a systems-level examination of how the American banking–state partnership shapes financial access, institutional incentives, and economic inequality. Rather than isolating individual behavior or market morality, this analysis treats banking as infrastructure — tracing how structural design, profit incentives, deregulation, and consolidation produce predictable patterns of exclusion that persist across decades. By following design → incentives → outcomes → persistence → interconnection, the episode clarifies how the social contract between banks and government operates — and who it structurally leaves out. 🎬 Watch the Mini Explainer: 👉    • How the Other Half Banks: Exclusion, Explo...   🎧 Spotify: 👉 https://open.spotify.com/episode/1ozH... 🎉 Apple Podcasts: 👉 https://podcasts.apple.com/us/podcast... ❤️ Support on Patreon: 👉 https://www.patreon.com/posts/how-oth... Author Support If these ideas resonate, consider reading the work yourself or borrowing it from your local library. Supporting authors and libraries helps keep critical inquiry accessible. Call to Action If you value systems-level analysis like this, please like, subscribe, and comment with books or topics you’d like us to explore next. AI Use Disclosure This content was created using AI-assisted tools for research synthesis, structuring, and narration support. All analysis, framing, and editorial decisions are guided by human judgment as part of the Crisis in Perception project.