The most famous lenders in nature are vampire bats. These bats congregate in their thousands inside a caves and every night fly out to look for prey. When they find a sleeping bird or careless mammal, they make a small incision in its skin, and suck its blood. But not all vampire bats find a victim every night. In order to cope with the uncertainty of their life, the vampires loan blood to each other. A vampire that fails to find prey will come home and ask a more fortunate friend to regurgitate some stolen blood. Vampires remember very well to whom they loaned blood, so at a later date if the friend returns home hungry, he will approach his debtor, who will reciprocate the favor.
However, unlike human bankers, vampires never charge interest.
In the Middle Ages the outbreak of a plague caused people to raise their eyes towards heaven, and pray to God to forgive them for their sins. Today when people hear of some deadly new epidemic, they reach for their mobile phones and call their brokers. For the stock exchange, even an epidemic is a business opportunity.
There won't be a happy ending, or a bad ending, or any ending at all. Things just happen, one after the other. The modern world does not believe in purpose, only in cause. If modernity has a motto, it is 'shit happens'.
At first sight modernity looks like an extremely complicated deal, hence few try to understand what they have signed up for. Like when you download some software and are asked to sign an accompanying contract that consists of dozens of pages of legalese - you take one look at it, immediately scroll down to the last page, tick 'I agree' and forget about it. Yet in fact modernity is a surprisingly simple deal. The entire contract can be summarized in a single phrase: humans agree to give up meaning in exchange of power.