this post was submitted on 13 Jan 2025
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A Boring Dystopia

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[–] morgunkorn@discuss.tchncs.de 179 points 1 week ago (4 children)

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

[–] frunch@lemmy.world 32 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 😇

[–] Viking_Hippie@lemmy.dbzer0.com 20 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.

[–] Lost_My_Mind@lemmy.world 11 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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[–] veroxii@aussie.zone 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.

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[–] robocall@lemmy.world 99 points 1 week ago (6 children)

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

[–] itsathursday@lemmy.world 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.

[–] Diplomjodler3@lemmy.world 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.

[–] sturlabragason@lemmy.world 21 points 1 week ago

You’ve discovered the reason why comments are disabled 😅

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[–] doingthestuff@lemy.lol 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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[–] Evotech@lemmy.world 15 points 1 week ago

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

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[–] Blackmist@feddit.uk 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?

[–] Viking_Hippie@lemmy.dbzer0.com 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.

[–] Blackmist@feddit.uk 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.

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[–] TheFriar@lemm.ee 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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[–] Rentlar@lemmy.ca 56 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!

[–] MacNCheezus@lemmy.today 2 points 6 days ago

Due to inflation, I’m afraid one bean is all I can offer you…

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[–] Lemminary@lemmy.world 52 points 1 week ago* (last edited 1 week ago) (7 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.

[–] Anamnesis@lemmy.world 21 points 1 week ago (1 children)

Do you mean wary or does it make you tired?

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[–] SatansMaggotyCumFart@lemmy.world 51 points 1 week ago (1 children)

Now you too can easily make a ten dollar coffee cost twenty!

[–] T00l_shed@lemmy.world 18 points 1 week ago (1 children)

Wow a 100% interest rate? What a bargain!

[–] Maggoty@lemmy.world 23 points 1 week ago (1 children)

For short term loans? You'd be so lucky to have it just double.

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[–] y0kai@lemmy.dbzer0.com 41 points 1 week ago (2 children)

I thought I was being advertised to on Lemmy despite my various ad blockers and was furious for about 10 seconds lmao

[–] JcbAzPx@lemmy.world 20 points 1 week ago (3 children)
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[–] Binette@lemmy.ml 14 points 1 week ago

Glad I'm not the only one getting mad when I see/hear an add now 😭

[–] MolecularCactus1324@lemmy.world 40 points 1 week ago* (last edited 1 week ago)

drained my bank account, maxed my credit cards, but credit genie was there to help me take on more short term debt.

[–] HawlSera@lemm.ee 38 points 1 week ago (2 children)

This will be the new normal if we don't stop Capitalism now.

A world where you own nothing, and are expected to survive based solely on a debt that you are expected to pay back but it's an open secret that you never will.

[–] ByteOnBikes@slrpnk.net 20 points 1 week ago (3 children)

My first taste of pure evil capitalism was when my fast food job in college was forcing everyone to switch to getting a "cash card" rather than a check. That card had a $0.25 fee every time you used it.

I don't know if it still exists or if sane politicians told companies that shit was illegal.

[–] logos@sh.itjust.works 14 points 1 week ago (1 children)

They're trying to go back to the 1800s. The giant, old, textile factory near where I live had dorms where the workers would live on premises and were paid in script for the stores owned by the factory. Like coal villages. They converted them into luxury loft apartments now.

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[–] HowManyNimons@lemmy.world 31 points 1 week ago (3 children)
[–] lemmydividebyzero@reddthat.com 39 points 1 week ago (1 children)

Yeah. Probably, she read the terms and conditions.

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[–] SirQuackTheDuck@lemmy.world 29 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.

[–] Phoenicianpirate@lemm.ee 28 points 1 week ago (1 children)
[–] ByteOnBikes@slrpnk.net 23 points 1 week ago

Why? She needed a latte, and because she suffers from poor choices, she can now get a $8 latte that will cost $219 to pay back!

[–] AngryRobot@lemmy.world 25 points 1 week ago

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

So glad I don’t use Reddit

[–] doingthestuff@lemy.lol 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.

[–] TheFriar@lemm.ee 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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[–] iAvicenna@lemmy.world 17 points 1 week ago

phew crisis averted

[–] DavidGarcia@feddit.nl 16 points 1 week ago

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

[–] SLVRDRGN@lemmy.world 15 points 1 week ago* (last edited 1 week ago)

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

[–] randon31415@lemmy.world 13 points 1 week ago (8 children)

Did... did they just reinvent credit cards from first principles? Just without the card?

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[–] HubertManne@moist.catsweat.com 12 points 1 week ago (3 children)

remember the pay over time pizza thing?

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[–] samus12345@lemm.ee 12 points 1 week ago* (last edited 1 week ago)

u/CreditgenieApp Promoted

Ewwww! So glad I had somewhere else to go after dumping that place!

[–] tvarog_smetana@lemm.ee 11 points 1 week ago

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

[–] Snowclone@lemmy.world 10 points 1 week ago

If anyone is curious this is the process

  1. Be fucked
  2. Payday loan
  3. Payday
  4. 600% are you fucking kidding me?
  5. What's the minimum?
  6. I'll pay this the rest of my life I guess
  7. Be fucked by high interest loan
  8. Beg for money from family, friends, co-workers
  9. Thank God now I'm back to zero
  10. Still exactly as fucked as before

The Old Poor standard method

  1. Be Fucked
  2. Beg for money from family, friends, co-workers, new GF, new GF's roommate, A dog owner you met at a dog park, Mormon missionaries, your landlord, your landlords ugly kid, your cousin, total strangers after you pretend you have the same name as them and act just JAZZED about it, anyone you suspect is sexually attracted to you, your nanna's bridge group, other poor people, the homeless, people who speak the same language you do and are having a celebration at a public park after you convince them your ''John's Kid'' or ''Tia Marta's thursday church preacher'' literally anyone.
  3. Somehow still exactly as fucked as before but now you feel HELLA GUILT, because Tia Marta made you go to church on thursday and the preacher is very convincing. But at least you can't be LEGALLY obligated to pay a loan shark money, and you saved a lot of time.
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