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A big part of the problem with Western modernity is universal human rights, not in a “some people shouldn’t have rights hahahaha” shitposting way, but in the sense that some people struggle to function in modernity and must, for their benefit and the benefit of wider society, live with a lesser amount of both liberty and responsibility.
We understand this in some cases, people with down’s, late stage dementia, low-functioning autism. But those one or two cognitive steps above them have been granted, by the courts, almost absolute freedom. This was the second components of the emptying of the asylums.
Modernity is complex and confusing, I think Moldbug makes the point that plenty of people who would have been quite capable in historical situations struggle to function in their interactions with the modern state, modern employment market, modern social customs, subtext.
These people don’t deserve to be slaves. They have value as people, and in our materially abundant and prosperous society they should be supported in finding their happiness. But, in their interests and those of wider society, they shouldn’t be as free as us either.
There must be a stage between liberty and being a total ward of the state. A half-freedom.
I think about this a lot lately. I've been religiously watching Caleb Hammer's Financial Audit this year. Apparently this year in particular older fans of the show have complained that it's devolved into Caleb Springer, and all the dysfunction of humanity is paraded in front of the camera with a thin veneer of "Lets look at you finances" after 60 minutes of discovering what a low functioning member of society they are across the board.
That said, the same themes keep coming up again and again. Employment has gone totally fucky, and you need to SEO your resume and tailor it to each job application, probably using AI to save time. Because everyone is getting spammed with thousands of AI generated resumes for even entry level positions, so git gud. I'm not sure this is a state of affairs we should accept for mid-wit level career opportunities.
The second is that feeding yourself is fucked. Generational knowledge of how to make thrifty healthy meals has been lost, and low functioning individuals constantly struggle with the impulse to door dash poison, and finance it to boot. That said, cheap staples like beans, rice, etc are still widely available. So it's not totally impossible, and it helps if you were raised right.
The third is that there are arrays of predatory credit vehicles that would blow your damned mind. I knew about how terrible it was to run a credit card balance, and I knew payday loans were predatory to a point of exciting legal scrutiny. I had no idea there was a whole world of credit apps build directly into shopping apps. Pay in four, Klarna, other crap I'm probably not spelling correctly because somehow I've never actually been exposed to it personally. And seemingly the prevailing wisdom is at 18 you get a credit card, max it out because it's "free money" and then pay the minimums your entire life. Sounds like a fair trade, a few months of zero impulse control, followed by paying only a few hundred a month forever. I'd say it's just the show, but then I think back to my 20's and all the people I knew, even educated professionals, who did exactly that and were digging their way back out from it. Nobody balances a checkbook anymore, and cash isn't physical so that when you are out you are out. It's all imaginary numbers and notices you can ignore.
And I mean, that's a complexity disease that has hit the three main areas of your life, employment, feeding yourself, and money. It makes me think a lot about how the bar has risen to meet some minimum standard to meaningfully navigate society.
Watching just a few minutes of a recent episode, can you tell me what you like about it? Caleb seems extremely cruel in an obviously performative way, and frankly he comes off as almost evil to me.
I did watch one of the earlier ones where he seemed much more good-hearted and trying to help. These recent videos he just seems as if he's aiming to humiliate people.
Yeah this is an underrated terrible part of modern life. I personally think we need to massively reign in credit card companies given the fact that if someone carries a huge debt load for even half a year, it can set them back a decade in their financial life. It's frankly insane what we allow here.
As is common, trying to alleviate the suffering of the wretched (in a paternalistic rather than charitable way in this case) results in more suffering for everyone else. Credit cards are great. You can buy things without carrying cash around, without being present, without having to apply for credit at every place you might buy things. You don't need to trust the merchants and they don't need to trust you. And you don't have to pay for this service if you don't want to. But as with many useful things, you can get hurt with it, and trying to make it "safer" will almost certainly increase cost and reduce utility.
There's a thing that can let you pay without carrying cash around, without being present and without having to apply for credit. It's called debit cards. You spend money you actually own, as opposed to some weird exercise of "paying back the money you spent during the month" that I once was surprised to learn most Americans apparently have to engage in. You can't be preyed upon with tricky overdraft fees because if you don't have the money, you simply can't spend it.
Most banks will let you overdraw your account.
Mine doesn't do so by default.
Mine tricks people into signing up for "overdraft protection" (even the name is Orwellian!) with a story that it will save you from embarrassment at the grocery store if your card declines or something, and doesn't tell you anything about the $35 fees (and how they are completely silent so that you have no idea you are in the red until you actually remember to log in and check your balance, so it is very easy to overdraft several times and get nailed with a fee each time). I went online and turned it off once I figured it out, but that was years after I got my first bank account.
In 2009 or so, a little after Chase purchased my bank WaMu, they fucked up whatever data transfer the acquisition involved. My debit card ended up pegged to a backup savings account (with like $500 in it) rather than my chequing account (with $50,000 in it). This all happened completely silently, and obviously without my consent. I didn't find out until they finally declined a transaction - after charging me $350 in overdraft """protection""" (man, you're right, that is such an evil name) for around $50 in small purchases. Like you, I didn't even know it was on by default, because there was no chance I'd ever need it.
When I went in to, very angrily, get them to reverse this, they a) told me that it was too large an amount for the agent to easily refund, and b) still took the chance to upsell me on other services. Sigh. I think I finally got it through their stupid heads that they were about to lose a customer (and possibly get sued - not sure how practical that is for a mere $350, but I sure hope the system is set up so that banks can't simply steal money without consequences).
I can only imagine how poorly it goes when somebody who's barely scraping by gets screwed over by these people. The modern world is just too complex for humans.
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