The idea that an irresponsible third party who has no obligation to deal with you can control so much of your life is dystopian. The fact that you've been very

The idea that an irresponsible third party who has no obligation to deal with you can control so much of your life is dystopian. The fact that you've been very lucky and have never met or even read about someone who wasn't lucky is awesome for you, but it clearly doesn't erase the complications with the systems we currently have.