Institutions such as Police, Universities, NHS, Scouts, MsF, Religions, Churches, YCombinator et alia have a hierarchy of internal loyalties in strict precedence:
* The Staff Member
* The Staff Member’s Family
* The Friends of the Staff Member
* The Colleagues of the Staff Member
* The Group within the Institution the Staff Member belongs to
* Wider Groups in the Institution
* The actual powerbrokers within the Institution
* The acknowledged Leadership of the Institution (may be different to actual powerbrokers)
* The actual goals of the Institution
* The acknowledged goals of the Institution (may be different to actual goals)
* Helping YOU in accordance with what the acknowledged goals of the Institution are…
Only when all the loyalties in that list are satisfied is there the slightest chance you may get anything positive from the Institution.
Despite the long list of higher precedence loyalties it is still frequently possible to have positive outcomes…
But because it is a long list of loyalties far more important than helping YOU, there are often breaks.
And because people and families and relationships are involved they can change at any moment.
So trusting Institutions to do the best for you or act honourably needs to be carefully weighed against the likelihood that will happen
2/2) Mortgages
How mortgage repayments change over time as you pay off some of it (YMMV)