• 26 Posts
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Joined 1 year ago
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Cake day: January 30th, 2025

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  • I’ve seen cars get T-boned after running a red light, you will not survive that on a bike.

    Ok, let them earn their Darwin award, that’s their decision to make. Same with riding without a helmet, I don’t really care if someone else has a death wish.

    It becomes a problem when they’re endangering other people, that’s why cars running red lights is wrong. A car running a red light is orders of magnitude more dangerous to everyone around it than a bicycle.

    As long as you follow the rules

    In a lot of places bikes can go through red lights if it’s clear because it’s safer to allow them to get a headstart on the cars and get in front of them where they can see them, instead of waiting for someone to turn right into you once the light turns green because you’re in a cars blindspot.










  • If all the money just goes to the interest on the mortgage then no, you aren’t exploiting them, the bank is exploiting both of you. If the person is paying for your equity then you are benefiting off of that person’s misfortune of not being able to own a house.

    Many slave owners were relatively poor or heavily in debt, Washington wasn’t solvent until after his presidency, Jefferson too. They would probably say they have to work their slaves to pay off their debts, doesn’t make it right.

    I feel like following this train of thought results in either nobody owns anything to keep it fair

    Sort of, both anarchists and communists support the abolition of private, not personal, property, ie stuff you own not to use, but to make money off of. So you can own a house to live in, you can’t own a house to rent out.

    or everyone is entitled to a home for free, both of which are not realistic.

    Not necessarily, the third option is public / social housing. The government owns housing and operates it at cost instead of seeking a profit. So all the money used to pay for housing is going to produce and maintain housing instead of into the pockets of landlords. It’s not exploitative assuming the government is democratic, just as taxes aren’t exploitative if you get a say in what happens to them.


  • I haven’t worked in the industry but I’ve been a member of a credit union for enough years to see that as my wealth goes up, so do my relative returns. The basic savings account earns 0.05% , you have to have more invested to get higher APY. To get the top tier, as far as I know, high yield rate of 3.75% you need to have $25,000 invested there. The median savings account in the US is around $8,000. So 10 people each with $100,000 are getting more than 100 people with $10,000.

    Yes credit unions may not be taking top 0.1% billionaire money, but they’re definitely taking top 20% money, which is where the real class divide in the US is at. The top 20% own over 70% of the nations wealth. This combined with the increased rates I mentioned above mean that this top 20% is getting a majority of the investment income, even from credit unions.

    The difference between a slaveholder and a landlord is one of magnitude not kind. Both demand labor from someone without a claim to property to someone with a claim to property, not for the labor they put into producing that property, but simply because they own that property. In slavery that property is the slaves body, for a landlord it is the house a person lives in. A landlord demands a smaller share of the person’s labor, 30% vs 100% but that’s just a difference of magnitude. You can mystify that relationship all you want through a bunch of third parties and middle men but fundamentally that is what landlording is, exploitation of the propertyless by the propertied. A small portion of that money going to slightly less wealthy people doesn’t change the exploitative nature of the system.

    That doesn’t make the process of loans/credit inherently slaveholder/slave, and implying as such is just ridiculously childish. You aren’t going to convince any sane adult with that sort of semantic stupidity.

    So I guess one of the most influential and consequential sociologists and economists of all time isn’t a sane adult because he compared capitalism to slavery

    The proletarians have nothing to lose but their chains. They have a world to win.

    Read any Communist or anarchist theory and it will be full of comparisons between capitalism and slavery with analysis of the similarities and differences of the coercive nature of both. Theory that many sane adults have died for.


  • Not_mikey@lemmy.dbzer0.comtoA Boring Dystopia@lemmy.worldRent is theft
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    6 days ago

    And if the person’s got their mortgage from a Credit Union… then its… all those evil working class credit union members profiting?

    A very small portion of mortgages are owned by credit unions, and the income of those mortgages are mostly going to a small percentage of wealthy members as opposed to the average working class person with 10k in a savings account earning 0.5% APY

    Also just because normal people benefit from a system doesn’t mean it’s not exploitative. If a slave is used by the state to build a road that benefits everyone, that doesn’t mean that slave isn’t being exploited.

    The trope that slaveholders are all evil, profiteering off of the slaves, is an over-simplification / stupid stereo-type. Yes, there are shitty slaveholders. Yes, there are more planter aristocrats involved in slavery these days, and those planters are pretty exploitative. But there are lots of slaveholders who are just regular locals looking to try and gain some financial security.

    Stereotyping an entire demographic of people based on some negative trait of a particular subset of that demographic is not helpful. It’s not helpful when it’s done to portray racial minorities in a broadly negative way, nor is it helpful when its done to portray slaveholders in a broadly negative way.

    Being judged for an exploitative practice you choose to engage in is not the same as being judged for an immutable aspect of yourself.


  • Just because both sides benefit doesn’t mean that it’s not exploitative. A slave gets the benefit of housing and food provided by their master, that doesn’t mean the slave isn’t exploited.

    Like slavery a landlord uses a claim to property to extract labor / wages / money out of a person that doesn’t have a claim to property. That is exploitative.


  • if I sold it, it would go not to a family in need, but to a BnB company or an “investor”

    You know you can choose who to sell it to, you can reject offers from investors. The family in need may not get you the highest price but reducing the price makes housing more affordable, at the expense of your bottom line though.

    Sure the family could’ve tricked you and sold it right back to an investor but with closing costs, fees etc. it would make it hard to make a profit by doing that.


  • Even with repairs and maintenance at an all time high a majority of rent is profit, either for the landlord if they own it outright or a bank if there’s a mortgage on it. The fact that a majority of the money being paid for housing isn’t going into building or maintaining housing and is going into the pockets of landlords, banks, mortgage backed securities holders is the main reason housing costs so much.

    This is why the best solution to housing affordability is social/public housing. If you remove the profit motive and make it so all the money going into the housing system is spent on building or maintaining housing, then more homes would get built because there would be more money for them and you remove the rentier class constantly lobbying against new buildings to preserve property values.







  • Honestly you don’t actually see the tankies calling anyone CIA over here because “western indoctrination” is a good enough explanation on why someone said something for them. If you’re a tankie you run into people every day who think the US is the greatest country on earth and unless you’re schizophrenic you probably don’t think they’re CIA

    On the other hand most people will never run into a tankie in real life so when they encounter one online they are much more likely to assume they’re outside agitators and not sincere.

    The reverse is probably true in China under “tankie” hegemony. The anti-ccp liberals would call the pro-ccp brainwashed sheep and the pro-ccp would call the anti-ccp US assets.