Other countries have them as well but the US has the most pervasive one.

Your credit score is based on the history of accounts and payments. If you have late payments it goes down. If you have many accounts for a long time in good standing it is goes up. A person who has many accounts and has paid off everything for 15 years might have a score of 800. Someone who has missed credit card payments and has things in collections might have a 550.

When you go to get a loan for a house or car the high credit score person might be given a 5% loan and the low credit score person no loan or a very poor rate sometimes over 20%. It can take years to change your credit score.

Every system is racist because every system is human and humans are flawed. Credit scores include systemic racism and banks making calls based on their gut is direct practiced racism. Systemic racism is much easier to slowly over time work out as long as you recognize it. But the only way to stop direct racism is to take at least some of the power away from individuals.

The systemic racism like the structural one in the argument can only be gotten rid of if you entirely removed the concepts of loans. The problem with that is it is impossible. The majority of the folks who have attempted to outlaw usury and loans entirely are not really looked back upon fondly in a historical sense.

There is also the legality of it and if it is treasonous. The one person at least the senators have some saftey nets from the Supreme Court but they still are at risk here.

SNW S1E2 - Children of the Comet. This is a tricky one because of potential predestination and the end result being an accidental major break of the prime directive. A warp capable civilization is certain that a comet must destroy a pre warp civilization and refuse to let that change. The issue is that the ship/comet wants the Federation to interfere and does not intend to hit the planet. This is all in Federation space.

Another in Federation space that is also a loose fit is LD S5E7 - Fully Dialated where the crew must recover Data’s head from an alternate reality that has fallen on a pre warp world. The loose fit here is that the only reason they count as external is that it is Purple Data who is not technically a a member of this realities Federation and thus an outsider.

Lastly a decent fit but outside Federation space is Prodigy S1E7 - First Con-Tact. The crew first breaks the prime directive by making first contact with a pre warp civilization but then defends it by stopping a Ferengi from influence the civilization negatively. This is outside Federation space though.

The world doesn’t work better if people help those closest to them. The majority of the strife in the world exists because people help those close to them and treat others as outsiders. You can look at any system ever used and the point of failure is always someone tipping the scales intentionally to favor those near them.

I drink milk, but milk isn’t superior to oat milk.

mammal milk has specific ingredients that are meant to specifically feed infants of that animal. So its often high in fat and has specific things that are meant to be digested by that animal. Breast milk from a human has special ingredients that help digest the high lactose content and those ingredients are not in other milks.

Now Oats have been designed over years to be digested by humans and other animals. They propagate by being consumed and then travel to other areas post consumption. The nutrition in oats and other vegetables is mostly there specifically to drive animals like us to eat them so that we propagate them.

Do people want to go back to the system that was used before credit scores? Where the person serving the loan just made the choice based off if they thought you seemed trustworthy? Aka were a white man who went to the same church as them.

Milk is just watery fatty cow food with some extra steps involved.

I get it, but we should as a community try to be better than that.

AI won’t fail. It already is past the point where failing or being a fad was an option. Even if we wanted to go backwards, the steps that were taken to get us to where we are with AI have burned the bridges. We won’t get 2014 quality search engines back. We can’t unshitify the internet.

That AI is the one you make or at least host. No one is going to host an online AI for you that is 100% ethical because that isnt profitable and it is very expensive.

When you vilianize AI you normalize AI use as being bad. The end result is not people stopping use of AI it is people being more okay with using less ethical AI. You can see this with folks driving SUVs and big trucks. They intentionally pick awful choices because the fatigue of being wrong for driving a car makes them just accept that it doesn’t matter.

It feels dumb, it is dumb, but is what happens.

Nestle bottling water is bad, so my solution will be to never drink any water and make fun of people who do. This is how it always comes off to me.

I use far far less if I use a very small amount twice rather than a lot once. The shampoo will mix with oils in your hair and when you wash once you just keep rubbing the oil and detergent mix back onto yourself. Using a small amount and rinsing it off will make it function far better.

You are supposed to, but it is only insured to 250k. That might seem like a decent amount but if you suffer inflation and a government that is inclined to decrease FDIC rather than increase, you might end up not really getting much value out of that cash.

250k is not a very big nest egg for retirement.

Your funds might be in a HYSA but the bank holding them probably has them in stocks and bonds.

So if the stocks fall enough you won’t have your money anyways.

Now you could say you want to hold onto cash instead, but the only fix for the banks not having money is to print money which makes cash worth less.

Okay but what if you held gold or other minerals. Well the value of those comes from the perception that they could be used to trade when other things fail, but even if milk is $500 a gallon no grocery store is going to take gold as it isn’t able to be insured and tracked. So the value of gold also will drop as it can’t actually be used for goods and services.

So basically you can’t isolate yourself and protect yourself from societies stupidity. Its all a gamble and maybe your option works out or maybe it doesn’t but there isn’t a clear way to avoid the problem.

Sometimes I do. We have great healthcare. Can send a couple pics of a scrape like that and they note it incase anything happens which pretty much is never. And we can count the topical we buy or have delivered against the deductible.

It helps get the system down pat and shows our kid how to use it incase they have bigger questions for their doctor later or need to take care of a more serious problem without us.

Specifically for a new viewer who wants 3 shows that would be different and enjoyable:

TNG:

The Inner Light, Cause and Effect, Lower Decks

DS9:

Duet, The Visitor, Trials and Tribbleations

The only people who progressives lose to are the Democrats. Even in cases where they win a primary they get kneecapped by the DNC. Most US progressives come in with wild ideas like making the rich pay things instead of poor people. Making sure water is clean. Keeping the government out of our bedrooms. Governing rather than blustering. They also tend to be relatable as most have worked at least one real job in their life.

Who in the world eats hard shell tacos?

I hearby ask you to fight whatever battles you want, as long as you’re not a dick to anyone about it. Hopefully this frees up any confusion.

Everyone should see a therapist. Not every day or even every year but it’s one of the best preventative measures you can have. People bring it up because a lot of folks who struggle with basic emotional health problems don’t see one or feel a stigma around it.

If your therapist sucks or just isnt a good fit for you, you find a new one. Like you would a mechanic, or doctor, or barista.