I share this story because once you have experienced something like this, it is totally understandable why people want to burn parts of the system down. Sometimes, they’re not wrong. There is a special place in hell for the people behind these corporate transgressions, who seemingly never face sufficient punishment for the harm they cause.
I asked for a letter stating in no uncertain terms that the account was closed and that I wouldn't be liable for anything if they screwed up. They bombarded me with emails and calls for a week trying to avoid working through the CFPB before finally answering the complaint with what I asked for. I was adamant that it happen with the CFPB so their statement would be on file. Now the PDF is there if the bank gives me any trouble.
People report similar success filing FCC complaints to get action from phone companies and ISPs that otherwise ignore them.
Naturally, the GOP has been trying to gut it for years.
Always vote, run for office if you can, and/or become and stay engaged as a citizen activist. See something? Report it to regulators. Think something’s up? Go digging. Engage with other folks who are doing the same and provide logistical support if able to.
I spend thousands of dollars a year on FOIA fees and attorney opinion and correspondence costs, but I have the means and the time. Overarching thesis is “Find someone to help and help them.” -DeviantOllam [1] of “Lawyer. Passport. Locksmith. Gun.” Saintcon talk fame [2].
Talk to your neighbor and explore a run for office if it interests you. Actually wanting to be engaged is the first step, and it sounds like you want to. No one is coming to save us, it’s just us.
That would be counterproductive and probably only cause them to treat us with less empathy than they do already.
You only live once.
*your opinion, not mine. I don’t think USA is that bad of a place and I don’t put Australia on a pedestal.
If this is not true, then ... well then you're just wrong.
(I also contribute time to helping anyone wanting to expat out of the US get to higher quality jurisdictions, Europe, Australia, etc)
https://old.reddit.com/r/expatFIRE (search for “Portugal D7 visa”)
Ever wonder why the rich folks are often the loudest about that sort of framing? It's (in part anyway) because it lets them get away with the sort of shenanigans Well's Fargo just got slapped on the wrist for.
I am homeless as well.
That fine should all go to ending homlessness. And if you vote for the D or R you are voting for the same party; the O Party, as in Oligarchs.
I don't agree with this. I don't think homelessness can be solved by building more housing. Not sure if you have lived near homeless encampments before. If you know you know.
Yes.
> While I cannot afford to buy a house myself
Affordable housing should be a right to everyone. Anyone, including you, should have the option to live in affordable housing that is nice, ideally with amenities and gardens and common areas if they cannot afford to pay for that on their own. Public housing, like it is in some other countries, should be not a stigmatized fallback but the normalized default. And that’s what the property taxes on the home I currently own should be paying for, so if — for whatever reason — I can no longer afford it or no longer want it, I can move into a dignified public housing accommodation too.
> Not sure if you have lived near homeless encampments before
I have. And my conclusion doesn’t change— they should have housing. Nice housing and the help they need to get back on their feet. We all should.
Meanwhile both sides just shout at each other and funnel millions of dollars into groups that don't make any real progress and have no accountability. It's the same useless polarization that exists in politics except I'm not even sure it's a political issue at this point given how 1-party the place i live in is.
Who says it has to be your tax money? There are plenty of millionaires and billionaires in this country, and yet for some reason the only solutions that ever get traction are to put the tax burden on literally everyone other than the people with the most wealth. Hmm, gee, I wonder why? Probably nothing to do with the political duopoly said millionaires and billionaires bankroll, right?
> I don't think homelessness can be solved by building more housing.
It definitionally can and is solved by building housing for the people who lack housing.
I'm happy to put it all out there so people can judge where I'm coming from.
I'm not an expert on homelessness, either in a scientific sense or a first-hand one. I have a few long-term friendships with people who have at various points been homeless for a year or more (some traveling, some local to an area). For a couple years, I worked near a few hotspots for where homeless people would gather during the day and/or sleep at night in the downtown of a relatively small city. In college, I often had neighborly chats with the local homeless people who regularly went through the dumpsters in my apartment complex's parking lot. We'd chat whenever we met while I walked out there to take out the trash or let my dog go potty. Shortly after I graduated, some friends (now moved away, employed, and safely housed up!) who were homeless (then as well as when I first met them) moved in with me for a few months when the weather around us was utterly brutal and physically dangerous for them. When it feels safe (and I'm not on my way to appointment), which is pretty often, I stick around to chat a bit when a stranger approaches me to beg or vent about their life or meet my dog or whatever, whether they seem likely to be homeless or not.
I have seen people violently raving to themselves or at passersby, and I have seen people fight viciously over spaces in which to sleep or beg. I've conversed with people who seemed very lucid and insightful in some ways and paranoid or mentally disorganized in others. I have nervously avoided some people who were so agitated and incoherent that it made me feel unsafe. But admittedly, I have not ever lived in a huge city which has truly massive encampments of desperate people.
Over the years, I have talked in depth with people, including presently and formerly homeless people, about housing, employment, physical health, mental health, capitalism, familial rejection/abandonment, drug addiction, etc., and how those things relate to homelessness.
Personally, I think homelessness is a problem that requires a multifaceted approach to make people physically and financially secure, and to embed them in meaningful personal and professional supporting relationships in their communities. I think that approaches to addressing homelessness falling under the broad banner of 'housing first' are humane, scientific, and workable. And to me, access to housing as a public good is indeed way more important than promoting individual ownership of single-family homes (fwiw, like you, I'm a renter who'd rather not be).
But my main point in that remark you're replying to is that it's useless and incredibly tone-deaf to scold someone who is currently struggling with that level of hardship and societal rejection/abandonment for not buying into the prevailing political system, or for having a perspective in which the important similarities between the two parties are more salient than their differences.
[0]https://www.reddit.com/r/politics/comments/2pwhvt/the_differ...
He says while confronted with a list of every Democrat voting for important things, and important things ultimately not passing because Republicans block it.
> It’s not because one party wants it any other party doesn’t
It's literally only that. You can look at their voting records.
> It’s like how Obama could’ve codified roe versus wade in the law
Obama had a 2 month window of a supermajority, which he used to push the biggest healthcare reform the US has ever seen.