During middle age, feudal lords lend earth to peasants. Peasants worked hard and feudal lord collected astonishing taxes from them. So peasant works and produce
value added, feudal lords make money and produced no value added.
Value added is different from the usual concept of value people have as perceived value.
Perceived value = Value added + Toxic assets
Banks use money as their inventory, and since money can't produce value added to itself, the only way banks can make money is making debtors to work like workhorses to pay a debt that grows in an accounting book, just like peasants. So banks replace banks. Banking business is about "I give you $10 and you pay me $20". Those extra $10 are produced with debtors work.
If we see US debt, we can be sure that interests that will be paid by taxpayers for foreign debt will be paid to others, instead of being used to develop US. In a similar way, debtors do not enjoy interests money, even if they worked hard to earn it. It is very similar to feudal regime.
Piracy is about making money with other people work, just like banking or like feudal system. The curious thing is that banking is seen as legitimate, while piracy is not.
The funny thing is that people who get debts become slaves of the bank, as the work and live solely to pay abusive interests. And people think they are free.
Such debt also adds inflationary pressure that causes buying power to be reduced. But econmists found a way to export inflation and export crisis to poor countries. However that buying power gap caused by exported inflation is what causes jobs to go overseas to India, for example. So non debtors lose their jobs to subsidize bankers profit.
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That is what I mean with services. I don't pay an artist, in my view, for the music. I can play it often myself, that is not the reason for me to get the information from him. I pay him because I like how he plays his music. The service that he does.
Indeed hiring a musician to play live in a party or celebration is more cool than using a CD player to play a CD with the same music.
Musicians and artists are usually slaves of record companies. Artists go on tour, get on the bus, sign autographs, sing, get on the bus again... It is working a lot so a record company makes lots of money.
If I am correct, same happens with developers and publishers. Publishers get the biggest slice of the pie. This is why I like to support indie devs when I can, by buying what they produce, instead of buying products from big companies.