this post was submitted on 15 Feb 2024
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It's categorically ridiculous how the credit system in good ol' 'Murica is based on you getting into debt so you can be deemed "trustworthy" by the banks.
A system designed to keep you tight om a leash, forever selling your labor to pay off that first debt.
Categorically ridiculous? Try systemic evil.
It's even more "funny" if you think it's the very opposite of how old fashioned bank managers used to judge people's creditworthiness in order to decide if they should get a loan or not, back in the day (and not even that much back: algorithmic loan decisions only became a thing in the late 80s and 90s.).