So the banks profit off of that and keep themselves in the top class that owns money and assets, and everyone else at the bottom that slaves away only to have those assets repossessed.
The only way to achieve the standard of American living is to either be rich or sell yourself to the banks for 30-70 years at a time for a home which essentially translates to forever.
It's not fear, it's wanting to work out a way to tax automated businesses to make sure we don't have a wave of unemployment or another age of noncompetition and robber barons.