Why is it that whenever a corporation loses or otherwise leaks sensitive user data that was their responsibility to keep private, all of Lemmy comes out to comment about how it's the users who are idiots?
Except it's never just about that. Every comment has to make it known that they would never allow that to happen to them because they're super smart. It's honestly one of the most self-righteous, tone deaf takes I see on here.
What alternative would you propose for providing loans?
Making things affordable (or just priced within reason) if they are considered a necessity to live in society.
Yes, there are survival necessities ie. food, water, shelter. But in modern society, we can add Internet, phone, car (depending on where you live) or bus pass etc, and probably tuition for at least a bachelor's degree.
If you want to buy a boat or some shit, then sure, you should have to take out a loan.
The Canary Effect is an amazing documentary about the genocide of Indigenous peoples in North America. It is free on YT. It was where I first learned how brutal the reality was and how devastating to the population. It also shows how it meets the UN definition of genocide. Amazing how we are raised in the US and this is not only ignored in history class, but is instead framed as Indigenous people living happily in Spanish missions and having Thanksgiving with pilgrims.
If you get a chance to read about John Trudell, he had a fascinating life. He was the spokesman for the American Indian Movement when they occupied Alcatraz in protest of the US breaking their land treaty. The government did not stop terrorizing him and his family after that. There's also an amazing documentary about him but it's been a long time since I've seen it. I think it may just be called "John Trudell."
Both of these will make you walk away angry though.
I'm sure the average person is totally capable of doing that, or even knowing about it /s. Jfc.