00:00Your corporate badge swipe is actually a hidden payment toward a secret bank contract.
00:05It is a data point used to satisfy aggressive commercial real estate loan requirements.
00:10Hidden commercial mortgage covenants mandate specific physical occupancy levels to avoid
00:15an immediate technical default. If the office building drops below 80% capacity,
00:21the bank can demand full repayment. Your manager calls it workplace culture,
00:26but the bank calls it maintaining essential loan collateral.
00:30You are being forced back into traffic to ensure a billionaire's property value stays inflated.
00:35The return to office movement is a desperate financial scramble to prevent a banking crash.
00:40They need your physical presence to justify the massive debt loads on these downtown towers.
00:46Every hour you spend commuting is an unpaid contribution to a landlord's interest rate swap.
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