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My in laws were passing through SF last week for all of 36 hours. Their car was broken into and everything was stolen. You gotta wonder how long until normies

My in laws were passing through SF last week for all of 36 hours. Their car was broken into and everything was stolen. You gotta wonder how long until normies have had enough and just stop living / going to SF. And still I have wealthy friends in tech speak of how “it’s really fine these people leaving are just racist.” The level of contempt with which the laptop class treats the middle is astounding.

fibers 4y ago
uh that's why insurance exists right?
- macksd 4y ago
  That's also why insurance gets so expensive. Insurance spreads out risk. It doesn't lower it.
  - fibers 4y ago
    is it? my insurance is relatively affordable, more affordable than the rent increases that keep coming year over year by greedy developers.
    - macksd 4y ago
      I'm not sure what you're saying "is it" to. If your insurance does not go up when living in an area with conditions like downtown SF right now, it's only because you're in a risk pool with other people not having those problems. It still does no good to deny those problems like it isn't a clear breakdown of society. And if you're talking about San Francisco your rent is hardly a baseline of affordable as you said, so I'm not sure why you make that comparison or why greedy developers price gouging is somehow NOT also a sign of dysfunctional society.
  - HPsquared 4y ago
    Insurance can definitely reduce risk if its cost or availability is tied to risk-reducing measures (giving the policyholder an incentive). For example a health policy requiring health check-ups, or insisting on security or safety measures for a home policy. Or, in a weaker form, giving a discount if the customer can demonstrate they are reducing their risk. There's also the direct intervention side: in theory, an insurance company covering people in an area for theft could lobby for improved policing. Or a car insurance company could lobby for car safety measures. In practice though they probably prefer the higher risk as that brings higher premiums...
- sn0w_crash 4y ago
  Insurance doesn’t cover revenue lost from these people never going back to this city.
- BeFlatXIII 4y ago
  …and does insurance also cover an hourly rate for time spent filling out insurance forms?
- augustuspolius 4y ago
  Yes, and if your relatives get kicked in the face - no biggie, that’s why hospitals exist, right?
mc32 4y ago
Same experience. Ideology dictates how people respond to reality. They will insist crime is not bad. They will dig up statistics to fit their narrative -people are over reporting, people are underreporting- anything to deny that property crime is actually worse. Yes the 80s were bad. You’d get mugged is some parts of the city. However B&E, crime against vehicles and shoplifting were not at the levels today. They insist it’s people who are starving who steal ignoring that it’s organized gangs doing this. Without care this can turn into North American Sao Paolo where people have compounds with armed guards in the wealthy neighborhoods and the middle class suffer street crime.
macksd 4y ago
On my last 3-day business trip to San Francisco I stepped over multiple unconscious bodies on the sidewalk daily to get from my hotel to my office, walked into a pharmacy that had had shelves cleaned out minutes earlier, and saw a ton of cars with signs asking to not be robbed because no valuables were kept in the car. The backdrop was signs extolling the success of the city in social justice. Such a stark contrast between the city's obvious problems and some alternate reality it lives in. Edit: oh, and I accidentally stepped on (and broke) a crack pipe on the sidewalk and had to run from the angry person it belonged to. Remind me to refuse to accept another business trip there.
HPsquared 4y ago
I suppose if a person is wealthy enough, being robbed doesn't hurt as much. Especially if the wealth is held in non-material form.
jrochkind1 4y ago
If it's so undesirable to live or even visit SF, why is it still so expensive?
mint2 4y ago
It’s never been safe to leave a car with valuables in big cities. That’s not an SF thing, and even if one insists it’s an SF thing for the sake of argument, it’s not a new SF thing it’s been like that for decades.
- vanilla_nut 4y ago
  Many US cities have been remarkably safe for the last 20 years. Of course you shouldn't let your guard down entirely -- don't leave cash out on your dashboard, lock your door at night, etc. -- but it certainly feels like 2020 was a turning point of safety within US cities.

fibers 4y ago

uh that's why insurance exists right?

macksd 4y ago
That's also why insurance gets so expensive. Insurance spreads out risk. It doesn't lower it.
- fibers 4y ago
  is it? my insurance is relatively affordable, more affordable than the rent increases that keep coming year over year by greedy developers.
  - macksd 4y ago
    I'm not sure what you're saying "is it" to. If your insurance does not go up when living in an area with conditions like downtown SF right now, it's only because you're in a risk pool with other people not having those problems. It still does no good to deny those problems like it isn't a clear breakdown of society. And if you're talking about San Francisco your rent is hardly a baseline of affordable as you said, so I'm not sure why you make that comparison or why greedy developers price gouging is somehow NOT also a sign of dysfunctional society.
- HPsquared 4y ago
  Insurance can definitely reduce risk if its cost or availability is tied to risk-reducing measures (giving the policyholder an incentive). For example a health policy requiring health check-ups, or insisting on security or safety measures for a home policy. Or, in a weaker form, giving a discount if the customer can demonstrate they are reducing their risk. There's also the direct intervention side: in theory, an insurance company covering people in an area for theft could lobby for improved policing. Or a car insurance company could lobby for car safety measures. In practice though they probably prefer the higher risk as that brings higher premiums...
sn0w_crash 4y ago
Insurance doesn’t cover revenue lost from these people never going back to this city.
BeFlatXIII 4y ago
…and does insurance also cover an hourly rate for time spent filling out insurance forms?
augustuspolius 4y ago
Yes, and if your relatives get kicked in the face - no biggie, that’s why hospitals exist, right?

mc32 4y ago

Same experience. Ideology dictates how people respond to reality. They will insist crime is not bad. They will dig up statistics to fit their narrative -people are over reporting, people are underreporting- anything to deny that property crime is actually worse. Yes the 80s were bad. You’d get mugged is some parts of the city. However B&E, crime against vehicles and shoplifting were not at the levels today. They insist it’s people who are starving who steal ignoring that it’s organized gangs doing this. Without care this can turn into North American Sao Paolo where people have compounds with armed guards in the wealthy neighborhoods and the middle class suffer street crime.

macksd 4y ago

On my last 3-day business trip to San Francisco I stepped over multiple unconscious bodies on the sidewalk daily to get from my hotel to my office, walked into a pharmacy that had had shelves cleaned out minutes earlier, and saw a ton of cars with signs asking to not be robbed because no valuables were kept in the car. The backdrop was signs extolling the success of the city in social justice. Such a stark contrast between the city's obvious problems and some alternate reality it lives in. Edit: oh, and I accidentally stepped on (and broke) a crack pipe on the sidewalk and had to run from the angry person it belonged to. Remind me to refuse to accept another business trip there.

HPsquared 4y ago

I suppose if a person is wealthy enough, being robbed doesn't hurt as much. Especially if the wealth is held in non-material form.

jrochkind1 4y ago

If it's so undesirable to live or even visit SF, why is it still so expensive?

mint2 4y ago

It’s never been safe to leave a car with valuables in big cities. That’s not an SF thing, and even if one insists it’s an SF thing for the sake of argument, it’s not a new SF thing it’s been like that for decades.

vanilla_nut 4y ago
Many US cities have been remarkably safe for the last 20 years. Of course you shouldn't let your guard down entirely -- don't leave cash out on your dashboard, lock your door at night, etc. -- but it certainly feels like 2020 was a turning point of safety within US cities.