this post was submitted on 13 Jan 2025
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A Boring Dystopia

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[–] [email protected] 181 points 1 week ago (3 children)

awesome, that will go nicely with my 6-month financing for last week's Papa Joe's pizza

[–] [email protected] 34 points 1 week ago (2 children)

Considering i don't plan on retiring, this is fine -- i will leave as much debt as possible in my wake when i move onto the great gig in the sky 😇

[–] [email protected] 21 points 1 week ago* (last edited 1 week ago)

Except for the fact that you'll eventually have everything you own taken away AND be put in jail.

Debtors prison called debtor's prison might be illegal, but tons of de facto debtors prisons that de jure go by other names are becoming the standard way for US local and state governments to punish people for existing while poor.

[–] [email protected] 12 points 1 week ago (1 children)

I don't have, and won't have children.

When I get into my older years, I'm just gonna grab a couple thoussnd loans, and be done with life. Fuck it. I'm gonna spend my elderly years lonely, high off my ass, and giving the middle finger to society.

I figure I'll go to base ball games, and start drinking lemonaide with tea in it. And also take some drugs.

Look man. Don't even get me started about the damn 2020 rules that have stuck around.

I don't understand why they felt the NEED to play baseball during a global health pandemic, but if we're starting out already establishing the fact that they had to play baseball in that....THEN I say the 2020 rule changes made sense. For 2020.

But now??? Fuck the pitching clock. Fuck the extra innings man on second! I do NOT want my game sped up. I do not want a faster game. I want to sit in the sun, and enjoy a slow breezy summer day, in my happy place watching baseball. Look, I'll be 85. And now you're telling me my damn baseball ticket which cost me $30,000 because of inflation by 2067, now means I only get 2 hours of baseball??? Hell, thats hardly even enough time to find my seat! You know I don't walk so fast. I don't mean because I'll be 85. I'm 41 now, and I didn't walk so fast 20 years ago.

But now you tell me, after 85 years on this planet. Living through 9/11, a global pandemic, 6 terms of a trump presidency, global warming making winter in the north 115F degrees, and after all that bullshit, you wanna make my baseball shorter??? Oooooooh, and you wonder why us old timers are cranky! Boy let me tell you when I was a young spruce, I'd have pounded 15 shots of whiskey, drank about 24 beers, and then proceeded to mop the floor with you! Well lucky for you, I've only had 10 shots of whiskey, and 15 beers, but I also took some other extra ciricular activities, and now I'm not sure if you're a person, or if I'm talking to a lamp post again!

I'm gonna be a grumpy old man, who yells at the youth for not understanding things they weren't alive to experience.

It's gonna be great!

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[–] [email protected] 23 points 1 week ago (3 children)

By next week you should be able to roll that over and get a second mortgage secured against the first pizza for a new pizza.

[–] Classy 1 points 6 days ago

Pizza mortgage lmao

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[–] [email protected] 10 points 1 week ago (1 children)

should have gone to Mahjong's Pizza, you would have got a lower APR

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[–] [email protected] 100 points 1 week ago (5 children)

I wish Reddit wouldn't disable comments under ad-posts. Such a shitty website and so happy I left it for Lemmy.

[–] [email protected] 51 points 1 week ago (4 children)

Same thing with YouTube. I wish I could vent to the people responsible for putting rubbish in front of me. They deserve to hear my opinion as much as they think they have the right to serve me that ad.

[–] [email protected] 31 points 1 week ago

They know exactly what they're doing and they absolutely don't give a flying fuck about what you or I think of it.

[–] [email protected] 21 points 1 week ago

You’ve discovered the reason why comments are disabled 😅

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[–] [email protected] 19 points 1 week ago (1 children)

I think ads on the internet should only be allowed if they allow comments, with extremely limited moderation capabilities so that they can't just delete all the comments they don't like.

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[–] [email protected] 15 points 1 week ago

There's so many ads now! It's crazy

[–] [email protected] 10 points 1 week ago (1 children)

I barely go on X anymore, but I did the other day and saw a community note on an Ad and it virtually said it was a scam. I actually lol’d out loud.

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[–] [email protected] 95 points 1 week ago (3 children)

Payday loans making a comeback, eh?

And because they don't appear on your credit check you can take a dozen out from different companies! What could possibly go wrong?

[–] [email protected] 56 points 1 week ago (1 children)

Payday loans making a comeback, eh?

They never left. The financial vultures just keep renaming them and finding other loopholes to skirt regulations and keep trapping victims in their endless debt spirals.

[–] [email protected] 24 points 1 week ago (6 children)

It tends to move around from scam to scam.

A lot of the payday loan companies seemed to disappear in the UK. The main one was Wonga, which went under after we made it so that companies lending money would have to pay compensation if they lent money to people who would be unlikely to be able to repay it.

Then there was places like BrightHouse which specialised in selling basic household items to poor people with a 99% APR on them. So that £300 washing machine ends up costing over £1000 by the time they own it.

The current one is places like Klarna, which is a buy now pay later system. Popular because it doesn't charge any interest (most of the money comes in fees from the retailers) and they don't put it on your credit history, but miss a payment and they'll be on you like a ton of bricks.

It's just the same thing over and over, which a slight change to skirt any new regulations. It's still the same cash flow problems underlying it all.

[–] [email protected] 10 points 1 week ago

I used to work for one the biggest in the UK. A lot of the new legislation at the time destroyed us. Deservingly so.

I felt our company wasn't the worse because we were upfront about what we would charge but we had a lot of sister companies that would have a lot of hidden charges and the execs loved those. Well, guess what, legislation hit us hard because all those others wouldn't be compliant.

Personally, I hated payday loans and I think they're horrible, but I worked at Barclays too. An interview I had with a team there was basically working on "cheating" taxes. So like, it's not much better for society in my opinion either.

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[–] [email protected] 47 points 1 week ago

They’ve been here to stay. They just yassified them and are now aiming them at a different demographic. They’re trying—against all logic—to gentrify poverty traps. Welcome to the future.

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[–] [email protected] 55 points 1 week ago (8 children)

Sponsored Lemmy Comment: Hungry for a can of beans? Sign up now and get $100 of debt in minutes!

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[–] [email protected] 53 points 1 week ago* (last edited 1 week ago) (5 children)

I'm immediately wary of anything involving credit that I didn't seriously consider or plan for. I can't imagine going into debt because I'd rather drink coffee at Starbucks than at home.

[–] [email protected] 0 points 6 days ago (1 children)

Sadly, with the lack of financial education, many people do not correctly assess their salary/expenses vs their real/perceived expense class

Basically a lot of people are shitting way higher than their ass will allow them

These are the kind of people targeted by these ads

And it's all good in my books. If you are so DESPERATE for approval that you need to take in loans to keep up appearances, then good for you but don't complain about the consequences.

No one forced you except your own inferiority complexes

[–] [email protected] 2 points 6 days ago (1 children)

You don't need to feel sorry for them, but why are you pleased about the fact that people are sabotaging their futures?

[–] [email protected] 2 points 6 days ago

Because they get to feel better than somebody.

[–] [email protected] 21 points 1 week ago (1 children)

Do you mean wary or does it make you tired?

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[–] [email protected] 32 points 1 week ago (3 children)
[–] [email protected] 41 points 1 week ago (1 children)

Yeah. Probably, she read the terms and conditions.

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[–] [email protected] 30 points 1 week ago* (last edited 1 week ago)

So now they're getting free organic marketing by being a shitty ad? Reacting the brand would be better.

[–] [email protected] 26 points 1 week ago

Gotta keep the wage slaves in debt so there's no upward mobility.

[–] [email protected] 21 points 1 week ago

So glad I don’t use Reddit

[–] [email protected] 18 points 1 week ago (1 children)

I had to take out a loan to replace my water heater. The only reason I can afford the payment is because I just paid off my car. I need to keep that old car running but I already have car repairs piling up that I can't afford.

[–] [email protected] 20 points 1 week ago (7 children)

We’ll have you ever considered that you’re to blame? You’re posting on lemmy, probably from an iPhone! you could have spent that .75sec working instead of eating your avocado toast! You probably have a refrigerator too! AND a microwave! How poor can you be if you have a car and a fridge and a microwave!

(This idiotic argument was quoted from multiple, actually real sources, sadly).

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[–] [email protected] 16 points 1 week ago

Seeing Amazon offering a 3 month payment plan for 25 bucks cat hair removers yesterday blew my mind.

[–] [email protected] 15 points 1 week ago* (last edited 1 week ago)

"Oh, he he, I'm so giggly. Getting coffee today is just sending me"

[–] [email protected] 11 points 1 week ago

I wonder how they interact with regulations of the payday loan industry.

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