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They, in this case, could refer to banks, other corporations, your boss, politicians, police officers, etc. Anyone in a position of authority will inevitably be tempted to abuse that authority, or at the very least assume that their understanding of the situation is superior to the understanding of those over whom They wield that power. When conflict arises, if you're correct regarding your rights, finances, etc., it's "just a big misunderstanding, and can't we all just get along?" But when They have the legal upper hand in a disagreement, They will fuck you with an iron bar and convince anyone watching that you are a deadbeat trying to pull one over on the rest of your fellow proletariats.
And meanwhile, guess who is constantly buying political influence to ensure they never lose the legal upper hand again?
The pandemic made me give up on working for other people, what I consider appropriate accommodation wasn't in line and being told to put myself in danger as if it was a normal job requirement I signed up for made it real clear how valued workers are.
That being said. The first two things a person should buy once striking out on their own are a lawyer and an accountant. Those two peeps know how the world REALLY works. Youre not going to build stability from a shaky foundation, that's just basic cause and effect y'know.
And having a lawyer on retainer is one of the best feelings in the world. It's fuck you money, but you only need enough $ to pay your guy, not a warehouse of pandemic pine