The lads start out this holiday edition of System Failure by running down the list of modern Christmas traditions that arise from old psychedelic rituals. Then, talk of the subversive anti-banking parables A Christmas Carol and It’s A Wonderful Life gives way to lamentations about the recent closure of the boys’ favorite barbecue joint. The main idea in this episode is that bankers have blown out the cost of housing to the point that small businesses can no longer afford workers who need $2,000 for rent every month. This is what has brought us the “no one wants to work” phenomenon that’s broadly affecting American society.