15 years ago I had a lot of problems renting a home when I didn’t have a credit rating. Everywhere wanted six months rent as a deposit, which was five more than I could afford up front. It wasn’t socialists who were doing that as they were and still are campaigning against such things.
Is that a good enough counterexample?
Only took me one month of money problems, hospital visits, family emergencies, and sickness. Ruined my credit, and prevented me from getting a mortgage about 6 months later. This one month of tragic circumstances vs 20 years of near perfect credit and payments. Not only was i denied, I was forbid to even attempt getting a loan for 12 to 18 months.
Tha’ts when you don’t count the numerous data breaches.
That is also up against the fact that the company holding my previous mortgage, commits multiple cases of billion dollar fraud, direct data theft, identity theft, and its still in business and doing better then ever today. I only heard of a new case two weeks ago.
I agree when you are starting out no one trusts you or will take your checks. Been there.
But your example is still financial. This is more than that. It is “thought” and criminalizes bad thought by some rating system that those in power decide.
I was homeless and couchsurfing at the time. I had been chased out of my home by fascists because I didn’t live my life as they demanded.
Now we are into punishing “bad” thought territory and it still isn’t the fault of socialists. I don’t think you will find any libertarian-socialists supporting citizen scores.
Wow… I am dumbfounded. To say that central power china… One child policy china. That mobile death van china. 70 million dead from starvation china. That mao’s china was not socialist is an insult to mao.
Not to mention I have family that were marched around china until most of them died and a relative that left with the Chinese army to Taiwan when the socialists came.
“Not socialist” is the best example of gas lighting I have ever heard.
Well done, sirs.
You have proven that they are extreme authoritarian, but not socialist.
Show me where Peter Kropotkin would have approved of Mao and his actions in his writings. Until then I will assume you can’t tell the difference between a one nation conservative and an anarcho-syndicalist.
That is the sad reality of today. Many people go bankrupt from medical bills. Sorry for your troubles.
The mortgage is another matter. Many mortgages are bundled and lots of them are actually fraudulant. No one complains but if the processing company is not the holder of an actual deed there is possibility of eliminating the mortgage all together.
I am not saying it is ethical to take from the bank because I’m you can using existing mortgage laws… Although they do it to a lot of people so I am torn on that.
It’s my Party. You can cry if you want to.
Not sure there is a need to ask Peter. Check what happened to Cambodia and the khmer rouge… Probably not exactly socialism either though definately an attempt at it.
All dithering of what is exactly socialism is the same. Well they didnt do it right.
Cambodia didn’t do it right either. Only 25 percent of the population dead.
How many bodies do we need to stack before it gets high enough to warrant concern that maybe it is fiction and can never be done “right”.
How many bodies attributed to capitalism do we need to have piled up before we start making changes based on real humanism?
100 million dead in the last 100 years is really a high bar to reach and really a conservative estimate of how many have died from socialism. It’s probably closer to 200 million. That’s too many to ignore.
Socialism = Starvation
Simple equation.
Except of course where it’s not an ideology being used to keep a new class in power… Such as when it’s part of a multiparty political system.
Also, capitalism can also be pretty deadly:
Additionally, the “who is worse, capitalists or communists” is not a useful questions to ask of the 20th century. More interesting and helpful is how have people used and deployed power in what ways and what has that done to real human beings. People employ all means of justification for their power-grabbing activities. It’s still the same power-grabbing underneath, whether that’s capitalists or communists justifications.
Bingo. It wasn’t long ago that a boing boing writer suggested using the no fly list to deny gun purchases. If this lazy fear can happen here we are all doomed to the possibility that our state implanted RFIDs get on the ‘no society’ list without a reason or recourse.
Hunger, clean water, disease, malaria. Malaria? Is caused by capitalism?
This is of course very similar to the socialist list. Gulags. Killing fields. Work camps. Executions. Organ harvesting.
Do you need health care, medicine, or water when there is no bread? Nope.
In the old days you brought 6 months of paychecks, a stack of bills showing payment, and at least one notarized character reference to the bank while you sat with the loan officer for over an hour while he asked a battery of questions about your personal life, habits, etc…
And if you happened to be a minority or a single woman or something they might still deny you. The old system wasn’t all that great either.
Congratulations - you have reinvented whuffie.
Now who wrote about that?
Oh, yeah:
Down and out in the Magic Middle Kingdom?
A few years back I wasn’t able to qualify for a FHA-backed home loan (the only type many banks offer) even though I had a good job and large cash downpayment saved up, because my lack of credit card usage (I prefer to use debit) meant that there was not enough info to generate a credit score.
Similar situation. When I was 19, my parents lost our house during a recession. My parents’ credit wasn’t good enough for a new loan, so in order to house my school-age siblings, the loan had to go in my name. As I had no credit cards, I had no credit, so the agreement was I had to stay at my current retail job for two years.
The job grew increasingly nightmarish as I gained a new, drug addicted, manager who blamed me for everything, and a new district manager who could care less was happened in his stores. The only high point was, after being robbed at knifepoint by one of the store’s regulars (and then, insult to injury, being accused by the management of being in cahoots with said robber), I received a call the next day from my loan company that my time was done and I could leave.
Lesson learned: I got a credit card that I buy one cheap thing with each month, and that I can easily pay off. No credit < bad credit.
True. Financial credit scoring is another one of those zero-trust situations where blockchain storage, in addition to open-source algorithms and a stipulation that the individual owns his own data, would make sense.
Of course that would make thing difficult for the rentiers and system riggers so it won’t happen.
Sorry to hear about your ordeal!
If you consider your horrible experience to be a “similar situation” to mine, then I’m afraid that I must have given the wrong impression. I hate the system and think that in principle it’s unjust, but nobody needs to feel sorry for me personally. In my case it was a frustrating annoyance, but I was lucky enough to have other options for obtaining a loan without living through the nightmare that you did, and also eventually landed a really sweet job with an employer who didn’t care about my lack of a credit history. I have succeeded in “opting out” of the whole credit system, but it’s a real shame that not everyone has the option to do the same.
