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<blockquote data-quote="104Feeder" data-source="post: 1182824" data-attributes="member: 42554"><p>Yet it's not really that simple, as people don't really understand that they are signing a loan for 456% annual interest when they go for one of those "payday" loans that are supposed to last 2 weeks. Have you ever bought a home? Did you actually read every single one of those forms that they passed your way? Even I had fatigue about 20 pages in and would have signed away my first born & both testicles at that point without realizing it. Lenders know better than you do whether you can afford it, whether statistically you are ripe for a bankruptcy or just one setback away from financial ruin yet they are fine with lending you more than you can afford because they, unlike you, can be bailed out by the Government without all these negative consequences. You can argue all day long that what we spend on the poor in any form is too much but it's a drop in the bucket compared to the Corporate welfare that goes on unchecked. </p><p></p><p>As far as people needing to take responsibility, could you explain exactly what you mean by that? I know it's a catchphrase, but explain what it means to you. I have this vision of people who have had to take unemployment, food stamps or any form of public assistance appearing before cameras to tearfully describe the mistakes they have made and then be publicly flogged or humiliated. Isn't that going to be fun when the list gets down to me. </p><p></p><p>Waiting for the building to be burning is a little too late for a safety net in many cases, and it seems that the way that net is designed now you're jumping from a burning building into a net held by firefighters on a boat who then dump you over the side and you can't swim. </p><p></p><p>I think a very small number of people truly abuse what little welfare system there is in place today, and just like any system you are going to have a small number who game it. Most people want to work, want to have a normal life and be seen as productive members of society. In some ways, we all precipitate the problem with the popular opinion that people in low wage jobs are somehow less than human. The person cleaning your hotel room, the toilets at your workplace, making your hamburger, driving that bus, cleaning the streets, the cashier at a discount store, pretty much anybody at the airport...why do we put them down because they are working a job we wouldn't do, look a way we find unattractive or unhealthy, or don't speak the way we speak? (cue Alabama's <em>40 hour week </em>please)</p></blockquote><p></p>
[QUOTE="104Feeder, post: 1182824, member: 42554"] Yet it's not really that simple, as people don't really understand that they are signing a loan for 456% annual interest when they go for one of those "payday" loans that are supposed to last 2 weeks. Have you ever bought a home? Did you actually read every single one of those forms that they passed your way? Even I had fatigue about 20 pages in and would have signed away my first born & both testicles at that point without realizing it. Lenders know better than you do whether you can afford it, whether statistically you are ripe for a bankruptcy or just one setback away from financial ruin yet they are fine with lending you more than you can afford because they, unlike you, can be bailed out by the Government without all these negative consequences. You can argue all day long that what we spend on the poor in any form is too much but it's a drop in the bucket compared to the Corporate welfare that goes on unchecked. As far as people needing to take responsibility, could you explain exactly what you mean by that? I know it's a catchphrase, but explain what it means to you. I have this vision of people who have had to take unemployment, food stamps or any form of public assistance appearing before cameras to tearfully describe the mistakes they have made and then be publicly flogged or humiliated. Isn't that going to be fun when the list gets down to me. Waiting for the building to be burning is a little too late for a safety net in many cases, and it seems that the way that net is designed now you're jumping from a burning building into a net held by firefighters on a boat who then dump you over the side and you can't swim. I think a very small number of people truly abuse what little welfare system there is in place today, and just like any system you are going to have a small number who game it. Most people want to work, want to have a normal life and be seen as productive members of society. In some ways, we all precipitate the problem with the popular opinion that people in low wage jobs are somehow less than human. The person cleaning your hotel room, the toilets at your workplace, making your hamburger, driving that bus, cleaning the streets, the cashier at a discount store, pretty much anybody at the airport...why do we put them down because they are working a job we wouldn't do, look a way we find unattractive or unhealthy, or don't speak the way we speak? (cue Alabama's [I]40 hour week [/I]please) [/QUOTE]
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