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Showing posts with the label Consumer Debt

When Corporations Start Scheduling Our Lives

We often hear corporations argue that government regulations are bad for business. They frame regulations as roadblocks to innovation, competition, and consumer choice. But here’s the irony: while corporations want to free themselves from government oversight, many are quietly working to regulate us, the people, by influencing how we live, think, and even love. This realization hit me recently while watching a news segment. A doctor specializing in "sex therapy" was interviewed, suggesting that couples should schedule their intimacy the same way they schedule business meetings, complete with reminders and preparation time. At first, it seemed like a quirky, even harmless idea. But then I paused. Why is this message being amplified? Why does it keep popping up in media conversations? The more I thought about it, the clearer it became: corporations aren’t just selling us products anymore; they’re increasingly selling us ways of life. From what we eat, to how we exercise, to how...

The Hidden Cost of Convenience: How Loans and Mandated Insurance Fuel Inflation

In today’s economy, convenience has become king. Whether it's a new car, a house, or even a smartphone, the pitch is the same: buy now, pay later. Add in a layer of insurance “for your protection,” and the entire system seems designed to make life easier. But underneath this surface-level comfort lies a troubling truth — one that is fueling inflation, distorting markets, and quietly punishing those who try to live within their means. Let’s start with the basics. When something can be financed, the perceived price becomes irrelevant. The focus shifts from "How much does this cost?" to "Can I afford the monthly payment?" This subtle shift changes everything. Take cars, for example. In a cash-only world, a $1,000 car would only be accessible to someone who has $1,000. That keeps prices in check. But when loans are available, that same car can now be bought for $50 a month over two years. Suddenly, demand skyrockets. Manufacturers see this and raise prices — maybe...