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We had the occupy protests. All the homeless people, and people without jobs, gathered into tightly controlled areas to protest a system they didn't understand. So, of course, they eventually turned on each other and all the idealists realized how terrible a society is without standards of living. I saw the SF occupy first hand and as bad as the homeless problem is in this city it has never been worse than when all the dirty, disheveled, drugged out dregs of humanity gathered from all over into a park that used to house only a few migrants. They clashed with the career homeless, they clashed with the tourists, they didn't understand that the way they were living was not translatable to the way us with the jobs lived. It was dirty, it was disgusting, and eventually it imploded without accomplishing a thing except to turn away the idealists who actually had the power to change things. In my experience the only people who complained about banks and such were people who had already made poor decisions and didn't feel like they could recover from them. The irony is that the banks WANT you to recover from them. We got into this whole credit mess because the banks were so lenient on people making poor economic choices, buying things they simply could not afford.
I personally don't have a credit card. It's not that I don't trust them, it's that I don't full understand credit and until I do I won't get one. But more-over it's because I simply haven't needed one. I've created a position where I do not need credit to get by except, possibly, in emergencies which is why credit was developed in the first place. I rely solely on the money I get from my full time job and buy nothing that I cannot afford out-right. I do not understand the people who want to live so far above themselves and then complain when their poor planning comes crashing down around them, on them. If you can manage the economic implications of credit in your life then more power to you, it's definitely a good way to live.
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