You also neglect that all business must necessarily account for inflation in their cost model (an impossible task). Enshittification is just the end result of money-printing through banking loans on the business cycle, that's why it follows the same adoption curves as ponzi.

The end result of that cycle is predictable, and has been discussed quite rationally but many people don't actually read books these days so its become lost knowledge.

The sieving and centralizing monopolization we see all comes from those entities being closer to the source of money than individuals. The systems of banking today neglect the true sources of the wealth of nations instead utilizing slave labor through clever recapture (of debasement lost to inflation). In aggregate these things creates a system where over-expenditure must be paid for by your children's distributed slavery; creating a hellscape of an environment where they are disadvantaged and may not survive. Its al indirect, but indirect things can be quite powerful and if you don't have the mind to grasp it your just trapped like an animal, not given the choice. A slave.

Usury eventually and inevitably gets to catastrophic levels given sufficient time, as all positive feedback systems do, left unattended.