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Oct. 23, 2025 - Health Ranger - Mike Adams
34:12
The coming wave of CONSUMER DEBT DEFAULTS will decimate financial institutions
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Welcome to this special report.
I'm Mike Adams, and as you may have heard, Amazon is going to replace 600,000 human workers over the next few years with autonomous systems.
Now, we all knew this was coming, but now there's confirmation because of some leaked documents that the New York Times got their hands on a couple of days ago.
They ran with the story.
Amazon freaked out and tried to tone it down a little bit and say, no, it's going to make humans better.
And we're going to call the robots cobots.
And like, no one bought that.
Everybody was basically realizing that the things I've been predicting for the last couple of years, you know, mass robot replacements of human workers.
Yeah, that's not fantasy.
That's coming.
And Amazon's leading the way.
Because, of course, they have hundreds of thousands of warehouse fulfillment workers whose job skills are ripe for automation.
We'll put it that way.
And yeah, they'll still have a few humans in their warehouses at some point.
You've got to keep an eye on the robots.
You don't want them to take restroom breaks that are too long or anything.
Oh, no, wait, that's only humans do that.
Don't want the robots conspiring against the humans or something, building a secret Skynet engine in the corner, you know.
So you got to keep an eye on the robots, but most of the work will be done by the robots.
And that means that across the economy, when you look at the automation replacement of humans in all these jobs that are similar to fulfillment, which would include logistics, distribution hubs, grocery stores, restocking retail shelves, everything, sweeping floors and warehouses, all this stuff, plus fulfillment centers and lots of other things.
You realize that there are going to be tens of millions of Americans alone, not to mention in other countries, who are displaced by robots.
And that this is going to happen starting in 2026.
That's when you'll see it.
And then it will accelerate in 2027, 2028, and so on.
Now, this point here, this realization that millions of Americans will be displaced by robots and will probably be largely unemployable because if they don't have skills more advanced than fulfillment center skills, what are they going to do?
You know, some small portion of them will be retrained as electricians and plumbers and so on, which is great.
I support that.
It's good to have advanced skills that the robots can't mimic for a long time.
Learn to be an electrician.
That's a great skill.
And robots are going to have a very hard time doing that without shorting themselves out.
Oh, hey, Zap, there goes your $80,000 robot.
What happened?
Oh, yeah.
Made contact with the main.
Right.
That's why we have humans with wisdom to not touch that thing until the main breaker is turned off.
You see, the disconnect has to be pulled out of there.
But anyway, you get the point.
But here's the question.
Even though people are now realizing that tens of millions of jobs are going to be replaced, very few people are going to the next step and thinking, well, what happens at that point?
What happens when tens of millions of Americans don't have jobs and aren't getting a paycheck?
What happens to their payments on their student loans, on their credit cards, on their auto loans, their home loans, other forms of consumer debt, etc.?
What happens to those payments?
Well, you and I both know what happens.
Those payments stop and those people declare bankruptcy.
Now, how much consumer debt is there in the United States?
Well, I'm looking at a report derived from numbers of the Federal Reserve Bank of New York and Equifax.
And this report says that as of the second quarter of 2025, the total household debt in the United States is $18.39 trillion.
That's like half the national debt, but just in consumer debt.
I mean, that's, wow.
And of course, we can break it down by category.
You know, mortgage debt is the largest.
It's almost $13 trillion just in mortgage debt.
But then there's also student loan debt, which is $1.6 trillion.
Let's see, there's auto loan debt, which is also over $1.6 trillion.
Credit card debt, 1.2 trillion.
Home equity lines of credit, it's over 400 billion.
There are other kinds of loans like personal loans and so on, medical debt, things like that.
That's another $540 billion anyway.
And I'm just using rough numbers, but it all adds up to over $18 trillion.
Now, when a large percentage of people stop making payments, what happens?
in the financial system.
Well, good news.
We already know the answer to that because we saw it in 2008 with the subprime mortgage collapse.
When all these people who were given home loans, turns out, didn't really have the income to pay off those loans.
Remember the ninja loans?
N-I-N-J-A, right?
Ninja, no income, no job applicants.
Ninja.
That's where that comes from, in case you're curious.
Remember the movie The Big Short?
One of my favorite movies, by the way.
You should go watch it again.
It's coming back.
Well, all of a sudden there was a crisis in the financial institutions.
Lehman Brothers moment.
A great financial crisis.
GFC as it's now known.
Goldman Sachs, Fannie Mae, Freddie Mac, everybody's in trouble.
Bank of America almost went under.
Certain banks got bailed out.
Other banks were allowed to fail.
Bank of America got bailed out.
But they had hundreds of billions of dollars in exposure.
And it was so bad that it just about brought down the entire Western financial system.
That's why the Treasury and the Fed had to step in and generate trillions of dollars in bailout money to bail out the banks.
And of course, there was a massive amount of fraud in this entire thing where banks were taking these home loan documents, which are considered assets because the home borrowers owe the money to the banks.
And they knew that these loans were like grade F garbage, just junk.
But they would slice them up and they would mix them, just mix and match with thousands of other loans.
And then they would say it's diverse.
And if it's diverse, there's less risk, even though they were all crap loans.
And then they would sell these off in various tranches of collateralized debt obligations, CDOs, right?
You remember all this.
We all lived through this.
A lot of people lost a lot of money in the collapse or the near collapse.
But that was all because one group of people could not make their home loan payments.
Very nearly brought down the entire banking system.
Well, now I ask you a question, a bigger question.
What happens when $18 trillion of consumer debt is at risk?
Or let's say if you believe that only half of the American workforce is replaced by autonomous systems.
And let's just roughly say that that comes to $9 trillion in consumer debt.
What happens when Americans default on $9 trillion in home loans, student loans, credit card loans, auto loans, etc.?
What happens?
Well, the answer is obvious.
The Western financial system collapses.
It craters.
The cascading failure of banks will be historic.
And this will accelerate over a period of years, threatening all kinds of financial institutions and ultimately possibly even currencies themselves or nations themselves, because this isn't going to be limited to just America.
This robot replacement is also going to happen in Japan, in Canada, in Britain, in Australia, etc.
You're going to have masses of unemployed people all over the world who can no longer make their payments.
And because relatively few people are debt-free and living with excess savings, as a result, this is going to be catastrophic.
And in Western culture in particular, we in the West, we are not good at saving money.
Now, you may know that in other cultures like in Japan, they save more money.
In China, they save much more money than we do in the U.S. In Asian cultures, there's a culture of saving.
In America, there's a culture of spending into debt oblivion and trying to calculate, can I make the minimum payment?
If I can make the minimum payment, I can buy another car or vacation or party dress or whatever luxury purse it might happen to be.
I don't know why that all just came to my head at once.
This is like, that's not my shopping list, but for a lot of people, it is.
They'll just blow $1,000 on a purse, you know, and put it on their credit card and make the minimum payment.
Like, I would never do that.
Well, not that I buy purses anyway, but I wouldn't put a vehicle on a loan, you know?
It's just, no.
So now we're talking about a massive domino effect leading to a financial mad max, basically, a financial cataclysm.
And let me back up.
Let me just re-summarize where we are here.
So, yes, millions of workers will be displaced by robots or autonomous systems on the software side.
Those people will default on their loans, you know, on their debt.
Those defaults will bankrupt financial institutions all over the world.
And the bankruptcies of those financial institutions will create national catastrophes requiring government bailouts.
Now, these government bailouts will require, of course, extremely large, let's say, counterfeiting of more currency.
They're going to have to bail out U.S. banks to the tune of trillions of dollars.
Not just, let's just say not just the $9 trillion that consumers are going to default on over a span of a few years.
But remember that there are derivatives that are bets on the debts, and those derivatives are leveraged.
So the bailouts on this are not going to be just $9 trillion.
They're going to be highly leveraged debt failures that will have to be bailed out.
This bailout might go to like $90 trillion or something.
I mean, that's just a wild guess.
I don't know.
I don't have numbers on that, but it's going to be more than nine.
And given that our entire national debt right now is $37 trillion or so, it's going to be $40 here shortly.
We'll just call it $30.
What happens when you have to, like, if your national debt is $40 trillion and then you have to print another $40 trillion to bail out the financial institutions to keep them afloat?
Well, then you just doubled the debt.
And you've also engaged in massive QE, right?
Quantitative easing, massive flooding of the money supply.
You've just injected $40 trillion into the financial system.
Well, what do you think happens?
Hyperinflation is what happens because then that ripples through the system, just like we're seeing now.
Why is food more expensive now?
It's because of all the money creation during the COVID years or currency creation.
If you do that at a scale of tens of trillions of dollars, you're going to send the cost of a hamburger into the hundreds of dollars.
You know, one day, if you eat a McDonald's, you'll be in a drive-thru.
I'll take a Big Mac and a, you know, and a large Coke or whatever people buy there.
Okay, that'll be $400.
What?
Yeah.
And like, what happened?
Well, what happened was the bailouts, the giant bailouts.
Okay, because it's going to cause inflation and it's going to cause cascading failures.
As the failures happen, of course, people will panic and they will panic into gold and silver.
Just like we saw after the collapse of Silicon Valley Bank, it was like two and a half years ago, whenever that was.
You're going to see people absolutely just evacuating from the dollar and the banking system and trying to get into anything else that looks like a safe haven, including Bitcoin.
So when this debt collapse accelerates, Bitcoin will probably skyrocket.
And so will gold and silver.
And so will inflation.
That's probably what's going to happen.
Now, I can't guarantee that.
I mean, I don't have a crystal ball.
Let me just say it's likely that that's going to happen in my assessment, but you can make up your own mind.
In fact, you know what you can do is you can go use our AI engine, which is free at brightu.ai, and it has a financial coach there.
And you can ask the financial coach all the questions you have about this and see what it says.
And I believe it'll come to a very similar conclusion.
Now, as this is happening, don't forget that the bailout money goes to the banks, not the people.
So, if a bunch of people default on their home loans, it's not like the government is bailing them out and saying, here, here's your money to pay off your house.
You can just live there, enjoy.
No, the government's bailing out the banks, the JP Morgan's, you know, the Bank of America's whatever.
Because, well, those are the wealthy billionaires right there.
That's where the money and the power is.
That's who's getting bailed out.
The people who have the connections to DC, not the homeowner.
They're going to be kicked out on the street.
Well, probably, you know, BlackRock or somebody comes along and buys all their homes for pennies on the dollar.
You know, emergency liquidation, sale, whatever.
And you can imagine what this is going to do to housing prices nationwide, by the way.
There's going to be a glut of housing for anybody who still has a job.
Housing will be incredibly cheap at that time, but still completely unobtainable to those who don't have a paycheck because they've been replaced by robots.
So those people are going to, of course, take to the streets and they're going to demand a UBI.
Universal basic illusion.
Well, that's my version.
It's called universal basic income.
You've heard this term, a UBI.
And what that means is the government will have to start printing by some calculations, depending on how much they give to how many people.
But I've decided to use the number a trillion dollars a month as just kind of a universal rough figure here.
So at the same time, the federal government, treasury, the Fed are all working together to print, you know, $20, $30, $40 trillion, whatever it is to bail out the financial institutions.
They're also going to have to print another trillion dollars a month to give to the people to, you know, stop the riots.
Now, even that, for most people, won't be enough to live on, which is why the bankruptcies will continue.
In other words, you can't give the people enough money to make all their payments because the money will keep losing value, which means that their cost of living for food and electricity and clothing and gas and vehicles and everything else, those costs are going to continue to skyrocket.
Now, they may have a fixed rate loan on their home.
Some of them will be able to make the home payment, but others won't be able to.
They'll sell the home or downsize, or they'll just start renting instead and hope they can find a place that's cheaper to rent.
Like living in the closet under the stairs in somebody's house, which is rentable in many places these days, like in New York, especially because of rent control, you know, things like that.
They'll rent out every little cubby hole that they have in a home.
Like, you want to rent the attic?
Yeah.
Go ahead.
You can rent the attic.
There's no bed or anything up.
There's no air conditioning.
It's just an attic.
It's got like two by fours and insulation.
Yeah.
How much is it?
$1,000 a month.
Drag a sleeping bag up there and try not to be bothered by the raccoons.
How about that?
They'll rent that out.
You know, cash-only deal because we don't report it.
Obviously.
So now the UBI money, which is kind of like quantitative easing for the population, that money floods into the system on top of the new bailout money that bails out the financial institutions.
Now we're talking about Weimar Germany type of hyperinflation.
We're talking about your currency losing another 90 plus percent of its value because of so much currency flooding into the system.
And no matter how much money they give people, it's never enough because it keeps losing value.
And on top of all the other problems in society, like Trump's tariffs, crushing supply chains and engineered famine, destruction of food distribution hubs and farms and whatever.
You're going to end up with a whole class of people.
Even if they're collecting a UBI, they're still going to be broke and homeless and desperate.
Sooner or later, the masses take to the streets no matter what.
You can't even pay them enough to not riot because just handing people digital currency, it doesn't generate wealth in society.
It just generates the illusion of wealth.
But if people don't feel wealthy enough to be able to comfortably buy food, comfortably own a house, comfortably buy clothes for their kids, comfortably have a means of transportation that's safe and reliable, etc.
If people can't live that life, they're going to rise up one way or another.
Again, no matter how much they're being paid.
So not only are you going to have the financial institutions facing systemic catastrophic collapse with possible bailouts, but you're also going to have a social collapse happening at the same time.
Now, this may be after the Trump administration because the robot takeover of jobs, you know, that timeline, it only begins in 2026.
Even the Amazon numbers, the 600,000, that was a projection through 2033.
So we're talking seven years there.
And I would expand that window a little bit.
It could be eight, nine, ten years before we really see massive hyperinflation, massive human versus robot riots.
And then you're going to see the government crackdown.
Whoever's in charge, I mean, I don't even know if we're going to have the United States of America at that time.
I have no idea.
I don't know who's going to be president or if we even have a president or if, you know, Skynet has already destroyed a bunch of people by then.
Who knows?
But whoever's in charge at that time, they're going to have no choice probably in their minds but to unleash the robots to take down the rioters.
And then you're going to have the full-blown humans versus robot wars domestically in the United States.
So things are going to go near mad max where the currency is destroyed, the rule of law, history, civility out the window.
People are starving.
People are homeless.
People are desperate.
And nothing's going to stop them because as Gerald Salenti says, when people lose everything and have nothing left to lose, they lose it.
That's what we're going to see.
And I put the timeline on that sometime between 2026 and 2036, let's say.
Subject to change because in the world of AI, everything can change next week.
There could be a breakthrough next week.
Oh, we have quantum robot intelligence.
And now they're going to take over all the jobs next year.
Who knows?
That's the way it goes in this industry.
So this is why I'm shocked that there's anybody in the financial system that's buying things like 10-year bonds or, let's say, tranches of 30-year home loans.
Are you kidding me?
Who's going to pay their home loans when they have no jobs?
All those home loans currently are taken out by humans, the very humans that are going to be replaced largely by robots.
So I mean, check your own investments, folks.
If you're invested in things like long-range home loan tranches or auto loans or whatever, you could be looking at some serious defaults in the very near future.
In fact, did you see?
I think two or three auto loan companies have now gone bankrupt just in the last two weeks.
Now they're on the smaller side, mostly sort of subprime auto lending companies, but the bankruptcies have begun.
And those bankruptcies don't even have anything to do with robots.
That's mostly just people being too broke to pay for their broke-ass cars, you know, and getting them repossessed.
And then, well, a lot of fraud also in some of the auto lenders.
One of them just lost $2 billion.
Where did it go?
We don't know.
We just don't know.
It's just gone.
Yeah, I bet I know where it went.
One of the principals probably put it into Bitcoin and fled the country and you're never going to find them.
Sitting on a beach somewhere counting their Bitcoin or whatever, whatever they're into.
So this is something very important to pay attention to.
And this is why I think that there's a very high risk of defaults in financial institutions in the years ahead because of this very reason.
And this is why personally, I, I mean, I stack gold and silver.
I have it vaulted with a trusted partner.
And I just, no matter what the price, I just keep buying a little bit of gold and silver, dollar cost average into it.
Many people agree with that strategy.
Some people have a different strategy.
I get it.
Every financial situation is different.
But if you want physical gold and silver, check with our sponsor, our affiliate partner, Battalion Metals, and you can reach them at metalswithmike.com.
And gold and silver plunged earlier this week.
Silver dropped like $4 or something.
And some people think, oh my God, you know, the peak is over.
And other people think, oh, this is a buying opportunity.
The long-term trend is still very strong.
It's going to move up.
I mean, that's for you to decide, obviously.
I mean, I've had experts on.
I've interviewed Andy Sheckman recently.
If you didn't catch that, you might want to catch that one.
It's a great interview, the best one we've ever done.
But a lot of different interpretations on what's happening with gold and silver.
But I know, at least I have faith, that gold and silver will outlast the dollar because they've been around for thousands of years and they've outlasted the rise and fall of every currency, every nation.
You know, gold's mentioned in the Bible hundreds of times, by the way.
So if you agree with that assessment, then just visit our sponsor, metalswithmike.com.
Or if you want to wait and hope it goes down in price and buy it, then, hey, that's up to you.
Or if you have some other opportunities to save assets outside of the banking system, like maybe like your brother-in-law owns a bunch of oil wells or something and he's willing to sell you one.
Well, that might be a great investment because the world's going to need energy.
That's for sure.
The world is going to need energy.
Or these days, if your brother-in-law has like a rare earth minerals mine, that's a gold mine right now because everybody suddenly wants all the rare earth minerals from someone other than China.
So that's something to consider.
If you're like, hey, do you have any, you know, you meet him in the parking lot.
You got any neodymium, buddy?
Yeah.
Sorry, I only have dysprosium.
Oh, man.
I can't do that.
Who was the guy that had the gadolinium?
Didn't he also have some terbium?
Remember that guy?
Oh, no.
I remember a holmium smuggler, though, once.
You know, we're all going to become familiar with these sort of trace elements more and more.
It's a good time to take a new look at the table of elements because they're all on there and they have really fun names.
Like, did you know there's an element called Californium?
Yeah, where do you think that was discovered?
Yeah, there's another one called Berkeleum.
Berkelium.
Yeah, they found that at Berkeley.
Yeah.
Not very imaginative, are they?
There's one called Einsteinium.
I guess, you know, they finally gave Einstein a little bit of credit for understanding matter.
And then there's one called Mendelevium.
Yeah, another scientist right there.
So they finally gave them some credit.
But we're all going to be familiar with trace elements more and more, it seems.
Anyway, do your research, all your due diligence.
You do have time to make good decisions.
The scenario that I outlined here, you know, the cascading collapse of the banks, this isn't going to happen tomorrow.
It's not even going to happen in 2026 from this reason.
There might be other pressures that cause other problems, but the robot replacement vector of all of this is going to take many years to materialize, many years.
You know, like I said, two to ten years is the timeline of this.
So you've got time to do your homework and make some good decisions, get your situation all squared away.
You don't have to panic right now.
You don't have to panic later either.
You don't have to panic at all if you're prepared.
So get prepared.
Be wise with your funds.
Understand this is coming.
This is inevitable.
The debt markets are going to crater.
You heard it here first.
And thank you for listening.
I'm Mike Adams, the health ranger.
And don't forget about our free financial coach.
That's our AI engine.
You can find it at brightu.ai.
Just be sure to read all the disclaimers it has there because it's not a licensed financial advisor.
Obviously, it's an AI engine and it can make mistakes.
It could give you the wrong rare earth name or something.
And also check out censored.news for real-time news from the alternative media with emerging news trends in seven major categories, health, finance, tech, science, energy, etc.
You can find all that again at censored.news.
Thank you for listening.
Take care.
After a long wait, we've got our turmeric extract back in stock at healthrangerstore.com.
Here it is on my screen, the organic lab-tested turmeric gold liquid extract, two ounces.
This has been out for at least six months, I think even longer than that.
And it's available now.
And as you can see from the ingredients here, it's made from lab-verified turmeric, rich in curcumin right here, and supports your body and your health in so many different ways.
People love this product.
They love how it tastes also.
And each serving gives you almost 600 milligrams of organic turmeric root extract.
So I drink turmeric every day in my smoothie.
I actually, of course, I use actually turmeric root powder in this.
That's what makes it orange.
But you can get it in a more convenient format in this turmeric extract.
We also have back in stock our organic freeze-dried aloe vera extract powder, which is a 200 to 1 concentrate of aloe vera, just the inner leaf gel that's dried, well, freeze-dried.
Again, 200 to 1.
So just a little bit goes a long way.
And you can put this into smoothies.
You can put it into drinks.
It's really fantastic.
I would just warn you, once you open it, it likes to absorb water.
So it will rehydrate quickly.
So don't leave it open.
Once you do open it, you know, try to use it more quickly because it'll start to solidify.
And in your body, you want to make sure you take it with a lot of clean water.
And the things that it will do in terms of health support are just extraordinary for your blood, for your blood flow, for the formation of your blood platelets.
I mean, I can't go into all the details here, but aloe vera with these amazing polysaccharides is just an extraordinary healing food.
And you can do all kinds of research about it.
Heck, you can research on our engine, brightu.ai.
That's our AI engine.
It has this wellness coach.
Let me actually bring that up and show you.
If you go to brightu.ai, here it is.
Just scroll down on the screen right here.
You see this wellness coach.
Click on the wellness coach and you can say things like, hey, tell me about the benefits of aloe vera, you know, things like that.
And just hit go and here it goes.
It starts rocking all the benefits for you of just aloe vera as a as a general query.
This is not specific to our product, but just sort of general knowledge about aloe vera because we've trained our AI model on hundreds of millions of pages of content about herbs, natural health, phytochemistry, complementary medicine, prevention, and so much more.
So use these products with the knowledge that you can glean from our AI engine and you will benefit tremendously.
Okay, the other thing that we've got, which I'm showing on my desk, we now have the liquid multivitamin called Protovite, which has a little bit of aloe vera in it, by the way.
That's one of the main ingredients.
But it's got all the other vitamins, the B vitamins, minerals, and some superfood extract concentrates that are also part of Protovite.
And you drink an ounce a day and it's just extraordinary.
The changes, the health support across many systems, that's something to check out.
We don't make it, but I interviewed the founder who makes this product.
That interview is playing soon, by the way.
You'll love it.
It's called Protovite and it's at healthrangerstore.com right now.
So check it out there.
And thank you for all your support.
Thank you for your patience.
The supply chains are difficult right now, but we're doing our best to get these products back in stock, even though it takes lab testing and it takes manufacturing, etc.
We're doing our best to get it to you as quickly as possible.
So thank you for your patience and for your support.
Shop with us at healthrangerstore.com for all your nutritional needs, storable foods, high-end nutritional supplements, personal care products, home care products, laundry detergent without synthetic fragrance garbage in it, even personal deodorant based off of baking soda and magnesium instead of toxic aluminum.
We've got body soap.
We've got automatic dishwasher detergent that doesn't have the toxic chemicals in it.
No artificial fragrance, none of that garbage.
It just goes on and on.
So check it out at healthrangerstore.com.
And thank you for your support.
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