In my experience, the biggest asshole bosses are in tech. Ditto for the customers.
High blood pressure, burn-out, and ageism in tech mean you've got to really enjoy what you do
it usually comes from people who would have done something more useful with it than the employee spending it on consumption
So circulating money in the economy is worse than keeping it in the bank or tied up in illiquid assets? You know that's how deflation starts - and deflation is really ugly.
I've noticed several design suggestions in your code.