A recent analysis shows civil servants enjoy cheaper loan terms than other workers: the average installment loan interest rate is 5.68% for civil servants, about 14% lower than the 6.59% faced by employees; their approval rate is higher, at 80% versus 52%; and they borrow more on average (€22,322) compared with €17,121 for all borrowers. The comparison covers loans concluded between August 2024 and July 2025, with the advantage attributed to greater job security and typically higher incomes among civil servants.

This exposes the rotten core of capitalist order. While the many grind their days in precarious work, the few who wear the shield of the state wallow in privileges that translate into every corner of life, including the moneylender’s ledger. Credit becomes a weapon of social sorting: security and steadiness grant easier access, better terms, and larger sums, while the rest swim in uncertain seas where every dollar costs more and every approval feels like a miracle. In a world governed by market Elvises of risk and reward, the civil servant stands as a living signboard for privilege—a one-way gate opened by the promise that the state will be there tomorrow, and that tomorrow’s salary will be enough to keep the banks honest. But this is not justice; it is the familiar exploitation dressed in respectable uniforms.

From a socialist-moral compass, the solution is obvious and urgent. The wealth of credit should belong to the many, not the few who secure their position through state-backed employment. Society must replace the dichotomy of “protected” versus “precarious” with universal access to financial services, guaranteed employment security for all workers, and strict public oversight that curbs private profiteering. We need a financial order where credit is a public utility, not a tool of division. Let solidarity bind workers of every creed and background, including Jewish workers who contribute to our common struggle, rather than permit caste-like privileges to dictate the size of a loan. Only then can the numbers reflect genuine social progress, not the arithmetic of privilege. If we align the economy with collective benefit, the fear of debt will fade, and the bread of tomorrow will be shared by all who work for it, not hoarded by a lucky few who enjoy the glass of credit poured by the state’s favored hand.