Every system is racist because every system is human and humans are flawed. Credit scores include systemic racism and banks making calls based on their gut is direct practiced racism. Systemic racism is much easier to slowly over time work out as long as you recognize it. But the only way to stop direct racism is to take at least some of the power away from individuals.

The systemic racism like the structural one in the argument can only be gotten rid of if you entirely removed the concepts of loans. The problem with that is it is impossible. The majority of the folks who have attempted to outlaw usury and loans entirely are not really looked back upon fondly in a historical sense.

There is also the legality of it and if it is treasonous. The one person at least the senators have some saftey nets from the Supreme Court but they still are at risk here.

The world doesn’t work better if people help those closest to them. The majority of the strife in the world exists because people help those close to them and treat others as outsiders. You can look at any system ever used and the point of failure is always someone tipping the scales intentionally to favor those near them.

Do people want to go back to the system that was used before credit scores? Where the person serving the loan just made the choice based off if they thought you seemed trustworthy? Aka were a white man who went to the same church as them.

I get it, but we should as a community try to be better than that.

AI won’t fail. It already is past the point where failing or being a fad was an option. Even if we wanted to go backwards, the steps that were taken to get us to where we are with AI have burned the bridges. We won’t get 2014 quality search engines back. We can’t unshitify the internet.

That AI is the one you make or at least host. No one is going to host an online AI for you that is 100% ethical because that isnt profitable and it is very expensive.

When you vilianize AI you normalize AI use as being bad. The end result is not people stopping use of AI it is people being more okay with using less ethical AI. You can see this with folks driving SUVs and big trucks. They intentionally pick awful choices because the fatigue of being wrong for driving a car makes them just accept that it doesn’t matter.

It feels dumb, it is dumb, but is what happens.

Nestle bottling water is bad, so my solution will be to never drink any water and make fun of people who do. This is how it always comes off to me.

I use far far less if I use a very small amount twice rather than a lot once. The shampoo will mix with oils in your hair and when you wash once you just keep rubbing the oil and detergent mix back onto yourself. Using a small amount and rinsing it off will make it function far better.

You are supposed to, but it is only insured to 250k. That might seem like a decent amount but if you suffer inflation and a government that is inclined to decrease FDIC rather than increase, you might end up not really getting much value out of that cash.

250k is not a very big nest egg for retirement.

Your funds might be in a HYSA but the bank holding them probably has them in stocks and bonds.

So if the stocks fall enough you won’t have your money anyways.

Now you could say you want to hold onto cash instead, but the only fix for the banks not having money is to print money which makes cash worth less.

Okay but what if you held gold or other minerals. Well the value of those comes from the perception that they could be used to trade when other things fail, but even if milk is $500 a gallon no grocery store is going to take gold as it isn’t able to be insured and tracked. So the value of gold also will drop as it can’t actually be used for goods and services.

So basically you can’t isolate yourself and protect yourself from societies stupidity. Its all a gamble and maybe your option works out or maybe it doesn’t but there isn’t a clear way to avoid the problem.

Sometimes I do. We have great healthcare. Can send a couple pics of a scrape like that and they note it incase anything happens which pretty much is never. And we can count the topical we buy or have delivered against the deductible.

It helps get the system down pat and shows our kid how to use it incase they have bigger questions for their doctor later or need to take care of a more serious problem without us.

The only people who progressives lose to are the Democrats. Even in cases where they win a primary they get kneecapped by the DNC. Most US progressives come in with wild ideas like making the rich pay things instead of poor people. Making sure water is clean. Keeping the government out of our bedrooms. Governing rather than blustering. They also tend to be relatable as most have worked at least one real job in their life.

Who in the world eats hard shell tacos?

I hearby ask you to fight whatever battles you want, as long as you’re not a dick to anyone about it. Hopefully this frees up any confusion.

Everyone should see a therapist. Not every day or even every year but it’s one of the best preventative measures you can have. People bring it up because a lot of folks who struggle with basic emotional health problems don’t see one or feel a stigma around it.

If your therapist sucks or just isnt a good fit for you, you find a new one. Like you would a mechanic, or doctor, or barista.

I believe the rule is any food that is perfect for eating on the road while you drive 45min from your first job, to your second part time night shift job. All of that kind of food doesn’t exist in Europe or at least isn’t popular for some reason.

It is the progressive party. But they can’t win a local council seat let alone any valuable position. But they run for President every year and normally run one of their established candidates. The right gains more by supporting them.

That said funding is questionable. They normally have their primary debate around a rental folding table. Im shocked they can even afford chairs.

The reminder is due to the fact that she never should have been the candidate in 2024 in the first place. She was not even in the top 5 in 2020. She didn’t do anything during her time as VP that made up for that gap. She was pushed in because the folks above her were two leftists, a gay man, and a rich DINO.

I don’t know that she would win California and if California goes to a Republican governor that takes away one of the handful of hail mary possible counter balances to Trump right now in a possible secession action. Right now if Trump attacked Mexico and Canada it isnt unreasonable to think some states would actively refuse to support the action but if California or New York were not both states to support it then it would be meaningless.

Why is your hobby more important than their hobby?

Would be sick to get to vote for someone who actually had opinions and goals and stood for something. If we want to vote for just the general prevailing opinion we should just run an LLM and train it on superbowl commercials and cable news.