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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.
I mean, to be clear, we have a kludge for credit(that’s what a credit score is). Information on how to feed yourself is widely available and you can usually tell when someone uses it. Employment I’ll grant you is harder, but still.
That you need a credit score to function in society as a whole should be illegal.
Yes, yes, I know, I know. I'm very well aware of how and why credit score functions. I get it.
I was still very well put out when I had to go purchase a new car unexpectedly, only to have the guy who went to check my finances come out and stare at me like I was some lost crytpid and blurt out 'You have no credit score.'
Yes, because I grew up around adults who abused credit cards and paid the consequences and who had no desire to go down that road, thank you very much. Only to find out late that, gee whillickers, if you want to function as an adult in society for some things, you actually need a credit score, and for that, you need a credit card.
Why, yes, I'm still salty about that. How could you tell?
(And before you ask, all my previous vehicles were old, used, family hand-me-downs.)
Boo hoo- credit scores show good breeding and conventionality. Of course people want to see them. Wouldn’t you?
I'd rather live in a society that I don't need to borrow to function, thanks.
Were you trying to purchase the car straight-up full cost and they still wouldn't sell it to you ? Or were you trying to get financing on it?
Financing.
As an aside, it's really flattering that you guys think I'm successful enough to just buy a car outright when needed. I wish.
In the end, I just had my father co-sign the note with me, which is something that's done when you either have no credit or bad credit. Not great, but not terrible.
Come on man, your expectations aren't reasonable here. You wanted to borrow money, so of course your credit history was relevant. That isn't "needing to borrow to function", that is "needing to borrow to build confidence that you can be trusted to borrow more".
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