What would happen if we all just stopped paying, I mean I stop paying rent my (nice) landlady stops paying loans et al et al. What would they (vanguard or whoever) actually do? Send armies (=ourselves) to force people to pay for their imaginary wealth?
All it would take would be a little impossible unity of non-doing something to take down capitalism in a few days. That's how close we are.
Note to alternate reality selves: if you think others should pay just because you have to pay too, you should actually be focusing on why you are paying and to whom.