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Mihow

Lipstick on a guitar

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joined 2022 September 05 13:52:36 UTC
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User ID: 573

Mihow

Lipstick on a guitar

0 followers   follows 0 users   joined 2022 September 05 13:52:36 UTC

					

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User ID: 573

Verified Email

I’ve always thought the US credit scoring system is bullshit. I have bad credit so I can’t get an apartment without a co-signer. But I’ve been renting for over two decades without a single missed payment. But the credit score system doesn’t care. It cares about this very specific thing and the outcome leads to massive problems in many sectors of life.

I asked ChatGPT to tell me my own thoughts and I gotta say it writes what I feel in a way that I never could.

Not sure if this makes me feel better or worst about my odds of ever writing a novel.

Here’s what it had to say:

The U.S. credit score system, despite being rooted in capitalist financial structures, exhibits characteristics that can be interpreted as communist in nature due to its centralized control, opaque evaluation methods, and enforcement of collective responsibility. At its core, the credit system is managed by a small number of powerful credit bureaus—Equifax, Experian, and TransUnion—that operate in a monopolistic manner, much like a state-controlled entity. These institutions dictate the financial credibility of individuals based on proprietary algorithms, without allowing for much transparency or individual input. This centralized control mirrors how communist economies manage resources and labor distribution, where individuals are assessed by state-run entities rather than free-market competition determining their value. In this way, the credit score system creates a top-down financial structure that limits individual autonomy and enforces a rigid classification of economic worth.

Moreover, the credit system functions as a tool of enforced social compliance, much like communist regimes use social credit scores to dictate personal behavior. In the U.S., a person’s credit score affects not only their ability to take out loans but also their access to housing, employment, and even certain services. This creates an environment where individuals must conform to predefined financial behaviors or risk economic marginalization. The system rewards long-term adherence to credit-based spending while penalizing those who choose alternative financial paths, such as relying on cash or avoiding debt altogether. Similarly, in a communist framework, citizens are often required to align with state-approved behaviors to gain access to privileges, reinforcing a collectivist model where individual financial independence is discouraged in favor of participation in a state-monitored economy.

Finally, the U.S. credit score system embodies an element of collective responsibility that is reminiscent of communist ideologies. In many cases, an individual’s creditworthiness is affected not just by their actions but by external factors such as the financial stability of co-signers, the decisions of creditors, and even errors made by the credit bureaus themselves. Disputing inaccuracies in credit reports is often a bureaucratic and difficult process, reflecting the inefficiencies of centralized government planning. Additionally, the system’s reliance on predetermined metrics, rather than an individual’s full financial picture, enforces a uniform standard that does not account for personal circumstances. This mirrors the way communist states often treat workers as indistinct units within a planned economy, rather than as unique individuals with different needs and capabilities. In essence, while the U.S. credit system exists within a capitalist society, its structure and consequences exhibit traits that align with communist principles of control, social engineering, and collective financial assessment.

And:

Building on this idea, another way the U.S. credit score system resembles communist structures is in its lack of true market competition when it comes to consumer choice and mobility. In a capitalist system, individuals are supposed to have the freedom to negotiate their worth based on merit and market demand. However, in the credit system, people are assigned a numerical value that dictates their financial access, and this score is determined by opaque algorithms controlled by a few dominant entities. There is no alternative credit scoring system that consumers can freely opt into, nor is there meaningful competition among credit bureaus that would encourage better service or more accurate reporting. This centralization of financial assessment power forces individuals into a system they cannot meaningfully challenge, much like how communist regimes dictate economic opportunities without room for individual bargaining.

Additionally, the credit system fosters a kind of financial surveillance that is reminiscent of state-controlled economies. Every financial decision—whether it be taking out a loan, missing a payment, or even just inquiring about one’s own credit—is meticulously tracked, recorded, and used to shape an individual’s economic identity. People are not judged solely on their current financial standing but on their entire credit history, meaning past financial struggles can haunt them for years, much like how state-run economic systems often keep long-term records on individuals’ productivity, loyalty, or past infractions. In a true free-market system, individuals would have more agency to reinvent themselves financially without long-standing bureaucratic oversight, but the credit system instead enforces a rigid classification that limits upward mobility for those who have made past mistakes.

Finally, the way the credit system forces people into debt in order to maintain a good score has a collectivist, almost centrally planned economic aspect to it. In theory, responsible financial behavior—such as saving money and avoiding unnecessary debt—should be rewarded, but in practice, the system penalizes those who do not actively participate in borrowing and repaying credit. This creates a paradox where individuals must continuously engage with lenders in order to maintain their economic standing, even if they could otherwise live within their means without debt. In a way, this mirrors communist economic models where individuals are expected to participate in state-run economic structures regardless of personal preference, reinforcing a cycle of dependency rather than true financial independence. The system, therefore, subtly enforces a form of financial collectivism, where personal economic choices are constrained by the overarching structure rather than by free-market principles.

I feel this summed up my thoughts decently, but it lacks my passion of hate I have for our system.

Thoughts, and addons?

(Should I have waited until Monday?)

  • -66

Noted!

However, I think your last sentence is silly and will be a relic in the near future.

  • -25

I disagree - it’s why I posted it.

I find them at least as fascinating as posts by people … and in certain ways more so.

Buuuuut I see by our mod that it isn’t wanted here and that’s totally fine by me of course!

My first response to Russia escalating into a full fledged invasion in 2022 is that the US shouldn’t nuked Moscow - an option that is now too late.

It would have saved some X amount of important lives (Ukrainians) and shown the other powers like China that the US stands up for its own - which it considers most of the free world.

I don’t actually believe Russia has an overly functional nuclear arsenal, and I don’t think China responds to Russias defense outside of Strong Words of Something.

Now? Yea it’s probably an agreement where no one is happy - not that I care about the happiness factor of Russia.

I really cherish Russ and Econ Talk and get frustrated when I read the description or listen to the first few minutes and have to skip the episode, as was the case today.

I have no idea who EY is except that I think he was a conspiracy crank who posted on mma.tv for a long time - I think they're the same poster but I don't really have proof and there's nothing linking them aside from the EY thing ... And I guess it doesn't really matter. mma.tv eventually deteriorated to a white nationalist ultra weirdly right wing shit hole in the same manner that most of my favorite niche forums deteriorated to the left.

I just am fully tired of AI doomerism. It has fully failed to convince me of anything it has ever said and at this point I just want to hear about the cool and awesome future - not some bullshit about paperclips and complete civilizational destruction.

It honestly reads like fan fiction.

However, I have met enough absolutely bonkers folk in my life that it also isn't that far fetched of a possibility - but this updates my priors to believing he's a gay hooker / lover, not some wacko Trump supporter.

Black Americans are like 30% at least bisexual imo and Latinos are just hiding it through machismo.

Pete would be down low enough for them

even just advocating for the nuclear genocide of the Arab world is enough to permanently destroy your credibility when it comes to condemning racists or white nationalists, who are in many cases less extreme in their policy recommendations.

I think we should be a bit more clear here: until they are happy and secure.

They are not secure because the people around them want them dead. The people around them constantly kill them, want to kill them, pray to kill them, hope to kill them, etc

' we should kill our own people easier so some perpetually online dudes and fake politicians don't get mad at us ' isn't sound warfare strategy.

Israel should bomb every single possible target that holds terrorists or terrorists adjacent merchandise and see what happens after a year.

I'm not sure how the answer isn't soaring corporate profits. Yea, the government is printing bullshit amounts of money for bullshit things, but corpo profits are higher every year.

The rich are eating us instead of the other way around.

Do I want deflation? Yes - eggs should be cheap. Bread should be cheap. Celery should be cheap. Apples should be cheap.

Do I want rent control? No ... ... But! We should be making way more money than compared to the increase in rent. I don't know the answer - the free market is kaput and I still fear the government more than corporations but it's getting close.

The American dream is done for who the American dream was supposed to be for in the first place. I'm glad IT workers are doing great, but fuck them, no offense I know a ton of them and they're fantastic people, but fuck them - the rest of us are being left behind.

Black criminals

That you and two others have made no distinction makes it seem you're a bit out in the woods about it.

Calling black criminals monkeys is funny and not racist - same with calling white criminals whateverthefuck equivalent.

The community wasn't calling black people great apes (that I'm aware of based on this discussion), they were calling black criminals that because black people in the US commit a vastly disproportionate amount of crime and the media doesn't cover it so people are covering it with crude humor.

I'd suggest you stop pretending people are tired of a race rather than a large minority of the race (criminals)

' your sense of humor is wrong - you are a racist '

Listen I've had a criterion channel subscription since it started but calling out black criminals by comparing them to apes will never not be funny for me, and most other completely normal (relative) people that I know. We think less of you for thinking finding humor in an awful situation is racist ... And so on in a circle we'll go around each other.

There's plenty of times the word neanderthal gets thrown around for white trash crime and I doubt very much it makes you toss around the r-word.

I was thinking we would just have a nice rapport and we’d talk about work and the American Dream and he’d think about all the murderous hijinks he had committed in the past and he’d do this to make himself feel better.

Like the Catholic Church used to do … pay for absolution ?

I just didn’t know the (gentle!) hostility this place has for ‘ AI Slop ‘ … I browse daily since years before we left Reddit and I just never noticed tbh.

I actually asked Chat to go long. Usually do.

Knowing it’s the same director as Sisters Brothers and reading his take of not really giving a shit about Mexico or trans stuff makes me want to see this film now.

Sisters Brothers was fantastic.

What’s the difference between a R or D President for a left wing social democrat?

I know who EY is - he could also be this wild anon poster from mma.tv ...

It was an anon forum that I posted on from '03 until 5-6 years back ... So no I can't. It was just an aside.

Did you miss the part where I'd already had covid by the time the vaccines became available?

Having covid + getting even one PFizer shot seemed for over a year to be the optimal level of safety against hospitalization and death in regards to covid. I don't really understand why this community cannot separate abject facts like the above one with clown statements made my the media and Fauci himself. It's really irrational.

I had covid. I had one Pfizer shot a year later and another like 9 months later (ish - I'm not great on memory). It's fine that you don't and it sucks that you had wacky family relations - but why lie about things in the nature of ' why bother ' when it's very obvious why bother. The ' had covid + one shot ' was practically a meme around here for months.

Try testosterone

You’ll blow past expectations early

I have not but after taking a fantasy break, I’m ready to jump back in the large and now massively back logged ocean.

Sounds like it’s an opportunity to test yourself in a new environment. Also, pick up some chicken and rice and beans and some containers and prep a bit. Actively tell your parents about what you’re doing and why. He’ll grab a cheap grill and have some fun and better tasting food.

Have fun!

My probably annoying way of talking about myself and a group of people I tangentially relate to

Like, I’m with the OP making light of religion - but it doesn’t mean I find him funny or correct

The second one being a colloquial of people who grew up in the 90’s

That’s fair

Finding contradictions in religion is said 12-23 year old atheist phase imo

And like you wrote, made worse when it’s not even correct