[PeterPrinciple]

once we’ve paid down this gargantuan debt.

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I agree with you. but who is this debt owed to?
Who will receive our hard earned money?

https://www.thebalancemoney.com/who-owns-the-u-s-national-debt-3306124

” This means that U.S. citizens own most of the national debt.”

[Degaston]

Over 4.3 trillion US dollars of the National Debt is owned by the Federal Reserve.

https://www.federalreserve.gov/releases/h41/current/h41.htm