4 ms·

Yeah, I guess you could take it further and say we all opted-in to be screwed over in various ways throughout life when we were born too. Doesn't mean we shoul

Yeah, I guess you could take it further and say we all opted-in to be screwed over in various ways throughout life when we were born too. Doesn't mean we shouldn't fight back against it.

thaumasiotes 7y ago
> you could take it further and say we all opted-in to be screwed over in various ways throughout life when we were born too This is already a widely accepted theory usually called the "Social Contract".
- harimau777 7y ago
  It seems to me that social contract theory is only valid if one can choose which society to live in or opt out of living in society. However, neither of those are the case in the modern world since there is no unclaimed land and immigration laws prevent people from changing societies.
chiefalchemist 7y ago
The credit score is a form of behavior modification tool. Some unseen force defined it, and then imposed it upon us. Comply, ideally excel, or be a social outcast (read: screwed). We had no say. We certinly had no vote. Yet it's a simply ubiquitous tool that cleanly defines the behaviour of some man. A relentless normalized nudge. The Man and his System FTW.
- g051051 7y ago
  > We had no say. We certinly had no vote. Why should you? It's the credit grantors who use it. They say "when I grant credit to someone with a score of 800, I'm much less likely to lose money. If they have a score of 600, I'm far more likely to lose money." It's their money, your only say is whether you accept their terms or not.
  - chiefalchemist 7y ago
    Take a moment to re-read what I said. Give it some thought. It will make more sense when you step back and think broader, and pay less attention to conventional wisdom
    - g051051 7y ago
      No, it still doesn't make much sense.
    - Anon1096 7y ago
      Are you saying that you should be able to borrow someone else's money, even when they deem you risky? Credit score is a proxy for a lender to determine your credit worthiness. You don't need one if you don't plan to take on credit.
      - chiefalchemist 7y ago
        I'm saying there is a difference between lending/borrowing money and a perversion of the Surveillance State. They current "credit tracking" systen has massive over-reach. So much so that if there's a breach/hack thousands if not millions are subjected to those mistakes. __And__ we have no choice but to say "Thank you sir. Can I have another?" We have __zero__ alternatives. Normalized or not, that's unacceptable. There is a differnce between evaluating my credit worthiness and mitigating your risk, and imposing a monopolistic over-reach program that controls the fate of so many.
        g051051 7y ago
        > They current "credit tracking" systen has massive over-reach. So much so that if there's a breach/hack thousands if not millions are subjected to those mistakes. Why are you singling out "credit tracking" here? There have been other, much worse breaches from companies unrelated to the credit industry. Where's the $125 from Marriot? Or Yahoo!?
  - okcando 7y ago

Yeah, I guess you could take it further and say we all opted-in to be screwed over in various ways throughout life when we were born too. Doesn't mean we shouldn't fight back against it.

thaumasiotes 7y ago

> you could take it further and say we all opted-in to be screwed over in various ways throughout life when we were born too This is already a widely accepted theory usually called the "Social Contract".

harimau777 7y ago
It seems to me that social contract theory is only valid if one can choose which society to live in or opt out of living in society. However, neither of those are the case in the modern world since there is no unclaimed land and immigration laws prevent people from changing societies.

chiefalchemist 7y ago

The credit score is a form of behavior modification tool. Some unseen force defined it, and then imposed it upon us. Comply, ideally excel, or be a social outcast (read: screwed). We had no say. We certinly had no vote. Yet it's a simply ubiquitous tool that cleanly defines the behaviour of some man. A relentless normalized nudge. The Man and his System FTW.

g051051 7y ago
> We had no say. We certinly had no vote. Why should you? It's the credit grantors who use it. They say "when I grant credit to someone with a score of 800, I'm much less likely to lose money. If they have a score of 600, I'm far more likely to lose money." It's their money, your only say is whether you accept their terms or not.
- chiefalchemist 7y ago
  Take a moment to re-read what I said. Give it some thought. It will make more sense when you step back and think broader, and pay less attention to conventional wisdom
  - g051051 7y ago
    No, it still doesn't make much sense.
  - Anon1096 7y ago
    Are you saying that you should be able to borrow someone else's money, even when they deem you risky? Credit score is a proxy for a lender to determine your credit worthiness. You don't need one if you don't plan to take on credit.
    - chiefalchemist 7y ago
      I'm saying there is a difference between lending/borrowing money and a perversion of the Surveillance State. They current "credit tracking" systen has massive over-reach. So much so that if there's a breach/hack thousands if not millions are subjected to those mistakes. __And__ we have no choice but to say "Thank you sir. Can I have another?" We have __zero__ alternatives. Normalized or not, that's unacceptable. There is a differnce between evaluating my credit worthiness and mitigating your risk, and imposing a monopolistic over-reach program that controls the fate of so many.
      - g051051 7y ago
        > They current "credit tracking" systen has massive over-reach. So much so that if there's a breach/hack thousands if not millions are subjected to those mistakes. Why are you singling out "credit tracking" here? There have been other, much worse breaches from companies unrelated to the credit industry. Where's the $125 from Marriot? Or Yahoo!?
- okcando 7y ago