i’m not implying anything dude. there are lots and lots of people in the real world who do stupid crap like that. for real. I have know dozen and dozens of them over the past 20 years.
but you seem to assume all people are fundamentally good by default. they are not. there is a significant percentage of people who you would hire for your orchard, and kill your trees, and then sue you for firing them. why would you want to reward these people?
FWIW I have worked with community non profits much of my adult life. A good 1/3 of the people involved, both providers and clients, are immoral shitheads. I’m not talking analogies here, I’m talking the real world. You have to setup litmus tests, waiting periods, and lots of other mechanisms to prevent those people from getting/access resources, and rooting them out even when they do. a significant part of the job, sadly. One of the reasons many ‘assistance’ programs are so fucking onerous w/ paper work and waiting periods is because so many bad actors seek to exploit them to the detriment of those who actually need the assistance.
and those systems break down when shitty people come in and hoover up all the resources and exploit the generosity of others. and most of those shitty people… don’t need help. they just seek a method to avoid hard work.
I know there’s a lot of bastards out there. I’m related to half of them. Like, I know how it is.
That doesn’t mean that I have to abandon my optimism, or to intentionally choose to see the evil in people.
These resources would not be handed out carte blanche, and I am not the person who is arguing for them to be handed out carte blanche.
I am saying that we should change the way the interest is counted so that there is no interest being charged on the interest that has been charged.
Doing that one thing would change the debt structure of student loans so that when people make consistent payments over a decade, it will almost always, in and of itself, completely pay off their student loans, and that would be the money they borrowed, plus the interest on the money that was borrowed.
It would give people who are struggling a light at the end of the tunnel that they can strive towards and that they can know for a fact will not be taken away from them, and that is powerful.
I would also argue that student loans should be able to be discharged through bankruptcy with maybe a moderate justification adjudicated by a judge, so that for the people at the very bottom of the scale who are most oppressed by their bad choices, they can wreck their credit and completely and totally wipe the slate clean and be able to start over.
Do you disagree with either of those two premises?
i’m not implying anything dude. there are lots and lots of people in the real world who do stupid crap like that. for real. I have know dozen and dozens of them over the past 20 years.
but you seem to assume all people are fundamentally good by default. they are not. there is a significant percentage of people who you would hire for your orchard, and kill your trees, and then sue you for firing them. why would you want to reward these people?
FWIW I have worked with community non profits much of my adult life. A good 1/3 of the people involved, both providers and clients, are immoral shitheads. I’m not talking analogies here, I’m talking the real world. You have to setup litmus tests, waiting periods, and lots of other mechanisms to prevent those people from getting/access resources, and rooting them out even when they do. a significant part of the job, sadly. One of the reasons many ‘assistance’ programs are so fucking onerous w/ paper work and waiting periods is because so many bad actors seek to exploit them to the detriment of those who actually need the assistance.
and those systems break down when shitty people come in and hoover up all the resources and exploit the generosity of others. and most of those shitty people… don’t need help. they just seek a method to avoid hard work.
Eh, you can’t let the bastards drag you down.
I know there’s a lot of bastards out there. I’m related to half of them. Like, I know how it is.
That doesn’t mean that I have to abandon my optimism, or to intentionally choose to see the evil in people.
These resources would not be handed out carte blanche, and I am not the person who is arguing for them to be handed out carte blanche.
I am saying that we should change the way the interest is counted so that there is no interest being charged on the interest that has been charged.
Doing that one thing would change the debt structure of student loans so that when people make consistent payments over a decade, it will almost always, in and of itself, completely pay off their student loans, and that would be the money they borrowed, plus the interest on the money that was borrowed.
It would give people who are struggling a light at the end of the tunnel that they can strive towards and that they can know for a fact will not be taken away from them, and that is powerful.
I would also argue that student loans should be able to be discharged through bankruptcy with maybe a moderate justification adjudicated by a judge, so that for the people at the very bottom of the scale who are most oppressed by their bad choices, they can wreck their credit and completely and totally wipe the slate clean and be able to start over.
Do you disagree with either of those two premises?