Skip Navigation

User banner
InitialsDiceBearhttps://github.com/dicebear/dicebearhttps://creativecommons.org/publicdomain/zero/1.0/„Initials” (https://github.com/dicebear/dicebear) by „DiceBear”, licensed under „CC0 1.0” (https://creativecommons.org/publicdomain/zero/1.0/)R
Posts
0
Comments
5
Joined
2 yr. ago

  • No it isn't. It's to force you to use credit under the guise of checking how good you would be at paying back.

    I'm from europe, you know how much credit i had before i got a loan for my condo? absolutely zero. All they needed to know was that i had no debts, lived well within my means, knew what i was doing, not "how many credit cards and car loans have you got running". The best possible person to loan money to is someone with 0 credit history who can prove they've got a solid source of income, and are living well within their means. Because you know, once i bought my condo, paying my loan is the exact same thing as paying my rent.

    And if you wonder if i got a decent loan with such a "terrible credit history". It was a loan with variable interest rate, after the first change, my interest dropped to 0 due to the financial crisis, and it remained at 0 until i paid it of.

    Anyone actually believing the american credit score system is anything else than just a way to force you to use credit while you really shouldn't, is just indoctrinated. I'm sorry, but someone perfectly paying rent, and saving up for purchasing a house without ever using any credit is the perfect person to give a good mortgage too, and the exact kind of person this system sets out to punish because they're not taking part in the American banking system the way the banks want you to.

  • It for sure applies to voters, but not to the politicians present at climate conventions as this cartoon portrays. And in the end it's them that have to broker a solution, not individual voters.

    They'll of course use such language to their voters since whatever gains votes is fair game, but i very much doubt they themselves are this stupid. Behind the scenes it's just finding ways to screw with the others.

  • Yup, i wish talking about issues like this would be more common here rather than "what if we accidentally create a better world", and other really populistic views of what's happening.

  • I kind of get these kind of comics, but isn't the reality that all of humanity is still in a competition with eachother, and doing all the wrong things gives you more power than doing all the right things, so that's what continues happening.

    In these climate debates the reality is that it's a global chicken on the road, we all go toward self annihilation at a steady pace, and the first who flinches and tries to take action will get taken advantage of and ruined. So it's slooooooow talks about doing tiny things and kind of maybe a bit cooperating while noone really wants to, because any advantage they can get over another country will be taken advantage of...

    Maybe i'm a bit too pessimistic, but it's my assumption that things work like that, and then all this bullshit suddenly makes sense >_<...