Guns. And inequality. OR; Lets focus on the root of the problem

Apparently now the topic is guns here. I guess I'll bite too.
Inspired by a Facebook theory on how race relates to the public reaction to gun violence, I did a little (internet) research, and a little thinking, and I think I've got something...

First a bunch of background:

- Gun violence IS very high in this country compared to other wealthy nations. So is violence, generally. Gun violence is a subset of, and proportionate to, violence generally.

- While comparing the US to wealthy nations makes us seem particularly violent, comparing us to the world puts us on the gentler side of average.

- It turns out wealth is the wrong metric to use to compare. There is little to no correlation with wealth vs poverty and rates of violence.

- The relevant metric is actually wealth equality. Across all countries, the more inequality there is, the more violence there is. https://www.mitpressjournals.org/doi/abs/10.1162/003465300559028#.VEa2xNTF9D5
http://siteresources.worldbank.org/DEC/Resources/Crime%26Inequality.pdf
https://www.weforum.org/agenda/2014/08/mexico-study-income-inequality-crime/
https://academic.oup.com/oep/article-abstract/66/4/1090/2912941

- When measuring inequality, the US is actually closer to some "third-world" dictatorships than it is to Western Europe, Canada, or Japan. According to the CIA, there are 110 nations with more equality than the US, and only 39 with less.
https://www.cia.gov/library/publications/the-world-factbook/rankorder/2172rank.html
https://www.theatlantic.com/international/archive/2011/09/map-us-ranks-near-bottom-on-income-inequality/245315/

- Whenever a high profile, dramatic incident involving guns occurs, 1/2 the country is extremely interested in guns for a few weeks. This could be a person shooting indiscriminately at other people, or a stand off between law enforcement and some cult or militia.

Landlord Who Supports Rent Control

[Background - the city council of my town, Richmond CA, has had a very heated political debate for a couple years now over whether or not to institute rent control.
Richmond is currently one of the more affordable pockets in the San Francisco Bay Area, especially for being close enough to the center to have its own BART stop, but like rents everywhere in this popular and rapidly growing area, they are climbing fast.
With rent control measures, landlords would only be able to raise rents they charge by a certain percentage (generally close to inflation levels) each year, and could only evict tenants if those tenants actually did something wrong (or if the landlord wants to move in), not just as a way to get new tenants to pay higher rent (rents can be increased between tenants, assuming they move out voluntarily or are evicted for a legitimate reason).

In the public discourse around the issue, those against it are constantly making the claim that it would "hurt small-time landlords".
I posted the following to a couple neighborhood discussion groups on the topic:

Not that any one cares about one random individual's opinion, nor that they should... 
...but since so many who talk about the subject feel entitled to speak on my behalf, I just wanted to set the record straight. 
I grew up in Richmond, and I live here now. I worked for the downpayment money for our triplex home from scratch, on an ordinary working class salary (averaging around 20k a year). I was able to save money by living in trailer parks most of my adult life.

Today I am a "small time" landlord. I own just a couple of units, which share the same land as my own home is on. I put a lot of money and time and work into upgrading it and making it a nice place for my tenants to live, and I still have a giant mortgage on it.

And there is absolutely no way I could honestly claim that rent control would "hurt" me.

Gentrification is a myth

A friend sent me a report he had read on gentrification in Oakland, and asked for feedback, after a conversation in which I claimed gentrification was largely a myth.

This was the report:
 http://www.cjjc.org/en/news/51-housing-justice/584-gentrification-report-launch

This is a report in which they are specifically looking for signs of it, trying to play it up, and focusing specifically on neighborhoods and time spans with the most dramatic rent increases.
And even by their own numbers, even at its worst rent increased more slowly than inflation.

The thing about housing prices and inflation - if a loaf of bread goes up from $1 to $1.50, its not really a big deal, its 50 cents more.
If a house goes from 200,000 to 300,000, that seems like a dramatic increase, $100k is a lot of money. 
But they are both the exact same 50% increase.

Below is my more in-depth analysis of the specific report, including hard numbers instead of thought experiment numbers:
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Why am I writing this stuff?

In some of the discussions that followed my last few posts, someone asked what purpose there was to writing it, other than making people angry?

Another pointed out that the belief of women's weakness and vulnerability might be the part of the reason women are victimized less, implying that even if its untrue, maybe we should encourage people to keep believing it since the effect is (presumably) less violence overall.


Well, for one, like it says in the header at the top of the page, I believe truth is inherently valuable.

But aside from that, there's a bunch of specific reasons.

The central one is this:

It seems like it is more important to people to support the ideological narrative they have accepted than it is to create better outcomes in the real world. 

- In discussions several women have said that fighting back would be pointless, because the strength difference between them and their boyfriend or lover is so large.
This makes me really really fucking angry at every rape activist and counselor and everyone else who has promoted false information for the sake of promoting ideology.
The actual research shows consistently that it doesn't matter if the victim is able to physically overpower the attacker.   The mere fact of attempting to physically resist is alone almost always enough to stop rape from occurring.
But this reality conflicts with the story people want to believe about rape being about power and domination and not access to sexual gratification.
This reality makes it more challenging to support the idea that lack of physical resistance isn't consent.  That idea is totally valid!  A woman shouldn't "have to" fight back; if she says "no", and he continues, its rape.
However, in the desire to protect the feelings of people who have already been victimized ("its not your fault just because you didn't fight back") everyone down plays the effectiveness of fighting back - which means there will be MORE victims!
Why are we more concerned with protecting woman's feelings and chances of prosecution after the fact than we are with preventing rape from occurring in the first place?

- The same goes for all forms of female victimization or submission by males.  The more we teach people that men are inherently stronger than women, or that women are naturally submissive, the more predatory men assume women to be easy targets, and the more likely women are to act out learned helplessness and accept it.

- The message that men should not commit violence against women implicitly sends the message that violence in general is ok.  We should be sending the message that violence is never ok.  It doesn't matter who the victim is.

- Intoxicated consent laws make it so that not only does "no" mean no, but "yes" also means no, but only sometimes.  And it is up to men to decide when that is.  Women aren't to be trusted to know how drunk they are, but men can tell for them.  Because, you know, men don't have enough power over women already.  We also need to make it law that only men can decide when women shouldn't have sex - for their own good, of course.

-In one of the discussions on my first post on cultural dimorphism, a woman who had insisted at first that not only did she not think women were weak, she saw no evidence that anyone did, online or in real life - eventually went on the defend the gender based draft on the grounds that (some specific individual) men are stronger than (some specific individual) women.

- Our way of viewing gender and race emphasizes differences. Far more than actually exist.  Those expectations we have then go on to influence our behavior, which cause those imaginary differences to manifest.

 - Our obsessing over what we imagine to be grand categorical differences in how we are treated creates the differences we complain about.

- As I wrote at the bottom of my last post, perpetuating the myth of Blacks oppressed by cops leads to a self-fulfilling prophesy that makes it more likely Blacks get shot by cops.

- The stuff that outrages everyone is almost always a distraction from real issues.  The energy we spend on stupid stuff could be spent, say, working toward making HeadStart universal, or making laws that say employees are entitled to the profit their own labor generates.

Walk the talk

One person asked me, upon reading my anti-capitalism pro-free market essay series, for ideas on how individuals might help contribute in daily life.

Walking the walk on two of the big points is easy: shop at independant stores instead of chains, don't buy IPOs, and if you create something (art, music, software, inventions), make it creative commons / open source / patent it but then licence it for free.

As to walking the walk on real estate: I don't really think it's applicable. There is some political momentum behind changing the corporate system after Citizen's United, and there is piracy/file sharing undermining copyright, but there is exactly zero movement behind one person one parcel.
Thats not even a phrase that exists. I just made it up, just now, as I was typing!
But there really is no inbetween. Nothing any one person does (short of the solution proposed in Manna) is going to have more than zero effect on the rest of the world.
The closest I imagine one could possibly come would be buying rental properties, and renting them at below market rent, even at cost (though with hidden irregular costs, like vacancies and major maintenance, factored in). One could opt out, but that would do as little to change the system or benefit anyone as opting out of voting does (i.e. exactly none, and possibly counter-productive, since then you are diluting your own potential influence)

For one person one parcel, I think the best anyone could do right now, even a billionaire, would be to publicize and promote the idea, because the first step would be getting the idea into the minds of millions of people. Its not quite communism, not quite libertarianism, not quite anarchy, not quite free market. As far as I know, its something no one has ever thought of before.

There is one other thing - probably the single biggest change to our system, (short of one person one parcel) would be for working hours to be adjusted downward to match increases in efficiency.
That is something we could easily do, if we were so inclined, just like we reduced working hours from 60-80 per week at the turn of the last century down to 40-50 hours today, as the industrial revolution vastly increased output per worker.

Today, computers and the internet and robots, plus outsourcing and corporate consolidation, not to mention quickly advancing 3D printing, has increased productivity far more than steam power and assembly lines ever did, yet we have never adjusted the 40 hour work week to match.  Our insanely massive income inequality, inflation adjusted income stagnation, and steadily high unemployment are all direct results of that.
I have started a petition to that end: http://petitions.moveon.org/sign/a-35-hour-work-week-will
Of course, given the actual increase in output per worker since the 1940s when the 40 hour week was officially established, we should be at 4 hour work weeks by now,

 but 35 seems a bit more politically realistic as a starting point.

Unfortunately, I'm just a manual laborer with some ideas and a free blog account, not an activist or promoter, but if you happen to have a network of people who'd support the idea, by all means help me get some signatures
http://petitions.moveon.org/sign/a-35-hour-work-week-will

Free Market VS Capitalism: So How Do We Fix It?

[Part 10 of 10, Free Market VS Capitalism essay series.  Part 1 here]

At its root, the solution is a change in mindset.

The whole point of having an economy is to support and improve the lives of the citizens, the people, who make up society.  The economy isn't a goal in itself.  Benefiting "the economy" has no value if it doesn't benefit actual people.  There is no principal involved - any principle which does not actually make life better for real life people is necessarily an invalid principle.

There is a widespread misunderstanding of the Amish approach to technology.  The Amish are not luddites.  They simply question the value of each and every use of technology on an individual case by case.  So while they may not find that the use of tractors in general improves life for their society, if a particular farmer is disabled, he might be granted an exception.
If the entire point of the economy is to benefit society as a whole, it makes sense to question whether or not that end goal is being accomplished.  As the graphs in part 3 show, it is not.  Maximizing growth had value when the nation was young and growing, but today we are grown, and conditions have changed.

Our current system gives the biggest reward to people who do no actual productive work, thereby decreasing the pool of wealth and resources available to everyone else. It keeps employment up only by constantly growing, ensuring rapid environmental destruction and unnecessarily stressful lives for everyone but the upper 0.01%, with some people working 40-50 hours a week and others working none at all.

This would all be easy to fix - and far from socialistic idealism, doing so would require less government intervention, and more free markets.

The trick is to remove all those government creations whose sole purpose is supporting capitalism.

Free Market VS Capitalism (Market Corrupting Capitalism, Part 3: Intellectual "Property")

[Part 8 of 10, Free Market VS Capitalism essay series.  Part 1 here]

The Colbert Report
Get More: Daily Show Full Episodes,Indecision Political Humor,The Colbert Report on Facebook

I don't know if that video will come through on blogger properly.
Here's a link, in case it doesn't: http://www.colbertnation.com/the-colbert-report-videos/433578/march-06-2014/warner-music-s--happy-birthday--copyright?xrs=share_copy

How to get to the Top (without actually having to work for it)

[Part 5 of 10, Free Market VS Capitalism essay series.  Part 1 here]

Pro-capitalists generally take it as a given that anything someone has they must have earned, and therefor must deserve.

Of the 20 wealthiest people in the world, 1/2 of them inherited their snowballs.  At best, they get credit for keeping it rolling, for not finding a way to stop it, but they got it already large, already moving.

More to the point, nobody actually creates a truly massive snowball of wealth by their own productivity.

Nobody has ever gotten to the top 0.01% via hourly wages.  One would have to average $25,000 per hour for an entire full-time working lifetime in order to actually earn a billion dollars.

Nobody gets 0.01% rich on salary either - not even CEO or sports legend level salary. 

For the most part CEOs of successful companies are still just in the relatively lowly 1%, maybe the top half a percent.

Free Market VS Capitalism (Current State of Affairs; or: Why Should We Care?)

[Part 4 of 10, Free Market VS Capitalism essay series.  Part 1 here]

 A Historically Unprecedented Concentration of Wealth

There are a number of independent ways our system tilts the field and gives an unfair advantage to those who already have capital. This makes things much easier for those who need the least help.  At the same time, by encouraging resources (remember, financial wealth, like paper curranecy, is just a convenient placeholder for actual tangible resources) to be concentrated in a few hands, the system makes it substantially harder for those without capital to make a living. 

Pro-capitalists will often point out that wealth is not finite - value can be created, both by extracting primary resources from the Earth (farming, mining, logging), but notably via technology - an iphone has more value than the plastic glass and metal it is made of. 

However, at any given moment there is a finite amount of wealth currently in existence.   If one person were to have 220 trillion dollars, that is another way of saying that one person controls 98% of all the (currently available) resources on the planet.  This means that the other 7 billion humans would have to divide the remaining 2% among them. 

Gross world product (GDP of all countries combined) grows by approximately 3-5% per year.  But our one insanely rich individual is getting 98% of that 3-5%.  So the growth that goes to everyone else would be .08%  Less than a 1/10th.

This is just a thought experiment - reality is not quite that bad - but it demonstrates why the "wealth can be created" argument is meaningless.  For one, it is impossible to live on hypothetical future growth.  For two, under capitalism, those who already have enough are the ones who get the vast majority of that new growth anyway.

My analogy of one person owning everything is extreme... but it is not as far off as most people would assume.

Free Market VS Capitalism (What is Capitalism?)

[Part 3 of 10, Free Market VS Capitalism essay series.  Part 1 here]

When people point out the extreme income inequality, the corruption of politics, the dissolution of labor protections, environmental degradation, and all the other similar and related injustices we see occurring, they are not referring to free market economics.  These things are almost all due directly to capitalism.

The best analogy for capitalism I've come up with was during a spirited debate about the ethics of capitalism on the Mr Money Mustache forums:

A person makes a snowball.  In order to make a snowball, you have to physically go outside, scoop up some snow, and mush it together.  You produce it by your own physical labor.  Once you have it, you can put it down in the fresh snow and start rolling it around, and more snow will stick to it.  That makes it a lot easier to get more snow on your ball more quickly.  And the bigger it gets, the more it collects with each revolution.

The assumption I always made - the one that most make - is that capitalism arises naturally from the free market.  One person produces more income than they spend, they save the difference, they invest it, it earns them more income, which they reinvest. 

This really does happen, and could happen in even the most primitive and simple society.

So the extremes we see today must be the natural extension of that process... right?

Free Market VS Capitalism (What is a Free Market?)

[part 2 of 10, Free Market VS Capitalism essay series.  Part 1 here]

So, what do I mean by the assertion that capitalism and the free market are different things?

The key feature of a free market is that all individuals are free to participate and make their own decisions.

We treat the term "capitalism" as if it's key feature were the same, but the real key feature of capitalism is that some people accumulate wealth - capital - and use that wealth in ways that allow them to leverage additional wealth out of existing wealth, without having to personally contribute any additional productivity. 

The easiest way to think of a free market is imagining a literal market: a flea market or farmer's market.

You have a big empty lot partitioned into more or less equally sized parcels.  A bunch of different independent vendors rent one, and sell whatever they want, for whatever price they want.  Customers wander around and buy whatever they want.  Seller and buyer can negotiate prices, and sellers with better product will sell more and/or can raise prices, but as long as each seller does better than break even, they will likely show up again next week, keeping competitive pressure on every one else and keeping variety available for the consumer.

Free Market VS Capitalism

7 years ago I wrote about how, contrary to almost universal belief, democracy and the free market not only don't necessarily go hand-in-hand, but they are actively opposed to each other.

That they are two parts of a single whole comes from a extremely successful deliberate public relations campaign by US government and corporations, going all the way back to inventor of manipulative public relations and advertising, Edward Bernays.

The next year I pointed out parallels between capitalism and anarchy - but I got it wrong.  I should have compared the free market to anarchy.

I was making a similar mistake myself.  American propaganda has basically everyone assuming that the terms "free market" and "capitalism" are interchangeable.  I realized quite some time ago, in arguing with anarchists, libertarians, conservatives, and capitalists that the two meant distinct things.

But what I've realized only recently is that, just like democracy and capitalism, the two are actively opposed to each other.

You can not have a free market under capitalism.  And you can not have our current degree of capitalism without a significant amount of State power actively manipulating the market, which inherently means it is no longer "free".

Of course, even though modern America treats them as interchangeable, this idea is not new.

The person who basically invented the entire discipline of economics, the person who's words capitalists use more often than any other, Adam Smith, recognized that the two were actively opposed, and even that it was the role of the State to intervene to prevent capitalism from corrupting a truly free market.  Unfortunately, few of the people who claim to follow his model actually read his book...

In my next couple posts I'll get into explanations, examples, problems and (hypothetical) solutions.

All of the money stuff I sometimes talk about, condensed

A lot of my personal friends and family have heard me mention something regarding saving money and investing, probably remember hearing me referencing "Mr Money Mustache" or "Jacob of Early Retirement Extreme".

Chances are, though, you chalk it up to one of those random Bakari nutty things, or maybe you even glance briefly at one of the links I send you, but it's long and there's like 300 other articles, and you don't have time for all that.

I'm going to try to explain all that stuff in a condensed and untechnical manner.

Of course, the majority of my readers who I don't know in real life found me through MMM, and all of y'all feel free to skip this post, as you won't learn anything new - it might be perfect for forwarding on to your own friends and family though who haven't come around yet.

Very early on into adulthood I discovered that I don't particularly care for employment.

Its not just about the work itself - it doesn't matter how much fun, how creative or rewarding or self-directed the job is - its just the fact of being forced to be some specific place doing some specific thing for almost exactly 1/2 of your discretionary time (factoring in mandatory lunch hours and commute time), for the majority of your life.

Luckily, I grew up poor (there were 73 of us, living in a cardboard box), plus I self-identified as an environmentalist since about age 9, plus being non-conformist, all combined to make rejection of all forms of materialism come naturally.

I never felt much need for "stuff".  Living in my RV felt plenty luxurious enough.

Psychologists say that money spent on experiences produces more happiness than money spent on stuff - but I've found there is a practically infinite supply of entertaining and educational and downright amazing and wonderful experiences to be found for free almost everywhere I look.  No, not even that - I frequently don't even have to look; often times they come to me!  Sometimes when I was looking for something else, other times they just literally come seek me out.

I've never even had the desire for the stuff most American's spend money on: cable TV, a new car, fashionable clothes, or a "phone" that is really a tiny computer.  So, after food and rent, I never had all that much to spend money on.

And here is the point of all that backstory:
 
 

I discovered early on that if I don't spend a lot of money, then I don't need a lot of money, and if I don't need a lot of money, I don't have to spend so much time working.

Quote on Consumerism from the founder of Early Retirement Extreme

"The problem is that most of us have become utterly dependent on this industrial-technological  system  for  all  of  our  needs  and  wants.  Shopping is as important as oxygen to us. Close down the malls for a few days and people go crazy. We no longer think of ourselves as citizens but as ”consumers”, a descriptive term that I've always found kind of derogatory. This dependence  is  so  fundamental  that  it  goes unseen, much like fish don't see the water they swim in. Consequentially, the only solution we can think of whenever we struggle with unfulfilled needs or wants is to ”earn more” and start a side-business, negotiate a raise, and gamble on some more education – it's an investment in your future (ha!). The only perceived way to a better so-called standard-of-living is to work harder and smarter and earn more. However, what this often results in is more environmental damage or at best reshufling money from suckers to scammers." - Jacob Lund Fisker

Why OWS and the 99% is THE fundamental issue, which lies behind all others:

[This is another of those things I wrote years ago, and has been lost in draft form.  I think I originally planned to add more list items, and elaborate further on all of them, but of course I don't remember what exactly I had in mind]


-War: Some of the largest corporations, (Boeing, Lockheed Martin), profit enormously from war

-Civil Rights: Corporations are not citizens, and therefor should have no civil rights - they are granted right anyway.  They violate the rights of individuals without consequence.  Income and wealth inequality are the single largest factor for the different life experiences of American whites and blacks, and wealth inequality is a direct result of our economic policies.

-Gay rights, abortion, etc etc: Directly mutual relationship between corporate political power and the religious right, as they are both "conservative".  The only reason the religious right is taken seriously is because they support the politicians who are funded by corporate money.

-Environment: EPA doesn't work on shutting down your backyard BBQ.  It is corporations which cause massive pollution.  Corporations decide which power sources to tap into and what type of cars are manufactured.  It was corporations which deliberately destroyed public transit across America.

WTO / NAFTA / etc: this should go without saying

35 hour work week petititon

I tried this once before, but wasn't able to build enough momentum in time.

Different platform this time.

Click, sign it, make the world a better place:

http://petitions.moveon.org/sign/a-35-hour-work-week-will

Read more about why this is a fantastic idea on my post about the first attempt:
http://biodieselhauling.blogspot.com/2011/10/dramatically-reduce-unemployment-by.html

If I Were Elected King of the Country

My new friend asked me a few weeks ago, "what would you change about the world, if you had the power to?"

She said she tried to ask all new people she met that question.

She said it was surprising how many people didn't have an answer because they had never thought about it.

I couldn't answer, but for a very different reason.

I just couldn't sum up, couldn't choose from the list what to say first.

I've been thinking about it ever since then, and I still can't find any way to tie all the various things together, so, instead of going into the detail about how and why for each one, I think I'll just list as many as I can think of.

(and if anyone wants elaboration on any in particular, ask me as a comment, and maybe I'll make that one its own post)

These are in no particular order:

Comments from the MMM Forums Part 5: OWS / 99%

The 5th of the 5 part series of blog posts taken from the Mr Money Mustache discussion boards, on the politics, economics, ethics and philosophy, of building wealth through frugality.
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By COguy:

Your thoughts on the we are the 99% blog?

« on: November 13, 2012, 01:51:08 PM »

At the risk of seeming insensitive, I wanted to see what all of you folks thought of this.  Is it just complaining? 

http://wearethe99percent.tumblr.com/

It seems to me that if one followed mustachian principles they should get out of sticky financial situations much easier.  Ride a bike, in source everything, etc...Yet, I know I was lucky to be born to good parents and some of these people were not and I feel that that stacks the deck against them. 

Obviously, the medical expenses make sense as being very hard to overcome, but what about the rest?

…

[lots of posts, mostly agreeing that it is in fact mostly whiny pants complainers who dug their own hole and now want bailouts]

…

Comments from the MMM Forums Part 4: Invesment Income Taxes

Part 4 (part 1 was here)...This thread was not intended to be political at all.  But of course someone had to turn it that way.
Someone, meaning me…

…

By Guitarguy:

Did anyone's eyes pop out of their head when...

Romney said he'd completely get rid of all capital gains taxes for people earning less than $200,000 a year off of dividends ect... in the debate tonight? Is that really possible? And how does that affect a mustachian's situation of retirement?

…

By Bakari:

Re: Did anyone's eyes pop out of their head when...

« Reply #9 on: October 17, 2012, 05:49:14 PM »

Does anyone else see something morally wrong with taxing earned income at a higher rate than unearned income?

Set aside the personal benefit we are all looking forward to, once we can afford to live off passive income.

From a strictly objective viewpoint:
person A spends 40 hours or more (plus commute time) a week going to a job and working hard.  On top of the direct value their labor provides to society as a whole, they also contribute a percentage of the income they earn towards the general good in the form of taxes.

meanwhile, person B simply sits around at home (or travels, or has a hobby, or whatever, doesn't matter) and has positive income flow for no other reason than they had money to begin with.  Maybe they worked hard in the past and saved up, or maybe they inherited it, or maybe they laundered it after a crime, doesn't matter, point is they are not working hard now, and for that they are rewarded with not having to contribute to society.

Comments from MMM Forums Part 3: Lets Talk Charities

Part 3 of the ongoing series of posts taken from the MMM discussion board

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By I.P. Daley :

Let's talk charities - (Afghani brick kilns and us)

Was reading the evening news tonight, and came across the following article in the world news feed:

Afghan family works to pay off crushing debt

Nutshell on the article? Guy gets married, wife gets sick, guy borrows $900 from his employer to get medical attention for his wife. Nine years later, he's still in debt and he and four of his six children (youngest working is 4 years old) are working in the kilns along with him to try and just eat and pay off the debt. And they aren't the only ones:

http://www.un.org/apps/news/story.asp?NewsID=41177
http://www.essex.ac.uk/armedcon/story_id/000786.html
http://www.afghanistan-today.org/article/?id=215

This isn't some new story in the history of man... it's happened before, it's happening right now, and it'll keep happening. This sort of thing even occurs in today's United States, just look at the immigrant tomato field workers in Florida as an example right off the top of my head.

A lot of us give a lot of lip service to frugal living, staying out of debt, being socially responsible, and extol the virtues of the bounty of goods that allow us to pursue financial independence. We also frequently want to punch people in this country in the face for their decadent living beyond their means and wasteful consumerism, and honestly, this article just re-stirs some of that anger because some of these never-to-be-forgiven family life debt balances on loans taken out for basic necessities in the third world are for less money than many people waste on frivolous crap in a month here. A lot of times, we also forget where a lot of these goods that give us the quality of life we have come from and who made them as well as how little (by our standards) it can take to dramatically change their lives.