this post was submitted on 29 Aug 2024
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I'm just a regular person making about $70K a year in a big city, and I've recently felt incredibly powerless dealing with private companies. For instance, my landlord’s auto-pay system had a glitch that excluded my pet rent and water bill. I ended up with over $1,000 in late fees. Despite hours on the phone, it turns out their system doesn’t really do auto-pay and requires a fixed amount instead of covering the full rent. It feels like a scam, and my options are to pay the fees or potentially spend a fortune on legal action.

Another frustrating experience was trying to cancel my pest control service. I had to endure a 40-minute call followed by 35 minutes of arguing, just to finally cancel. There’s no online cancellation option, and the process felt like a timeshare sales pitch.

Why do ordinary people seem so unprotected against these shady practices, and how can we change this? How does one person even start to address these issues?

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[–] [email protected] 4 points 1 month ago (1 children)
[–] [email protected] 1 points 1 month ago (1 children)

It turns out if you throw enough money at people then you can make them do anything you want.

[–] [email protected] 1 points 1 month ago

Yep. Welcome to the hell that is corporate capitalism.

[–] [email protected] 3 points 1 month ago (7 children)

The country was founded by slave owners. After that we had various "industry barons" like railroads, petroleum, automobiles, etc. Now we have multinational corporations (with larger budgets and more power than several countries) calling the shots in congress. It's always been like this. Post-WWII provided a brief respite, but that limited run of the "American Dream" was temporary and no longer exists.

Part of the solution would be: worker cooperatives. We need a lot more of those. It won't solve everything, but it's a really good start.

[–] [email protected] 3 points 1 month ago (3 children)

Basically we got all our rights in the post war period. Baby boomers and their parents had an excellent time, got theirs, then pulled up the ladder behind them. Zoomers will probably fix this but it’ll be interesting to see if it sticks this time.

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[–] [email protected] 2 points 1 month ago (6 children)

We need a kind of everybody union.

I had this conversation with lots of people if everyone saw a company is doing things or taking advantage of people imagine if on the exact same day, one million customers canceled their accounts. That kind of unity can give all the power needed to the regular people. But you can’t get people to cooperate or even to have enough self-discipline to go along with something that isn’t for their immediate and measurable benefit. And so the big players know they can abuse and exploit.

[–] [email protected] 1 points 1 month ago

A more perfect union, that can establish justice and domestic tranquility. One that provides for the common defense, promotes the general welfare, and secures the blessing of liberty for ourselves and future generations.

[–] [email protected] 1 points 1 month ago (1 children)

We need a kind of everybody union.

In a democracy, that's called a government.

[–] [email protected] 1 points 1 month ago

U.S.A. is not a democracy, it’s an oligarchy. Has been for decades, but more so now than ever before. Corporations have begun to openly ignore law and have no fear of punishment. Because they own the government they write the laws and they decide what happens everywhere.

As I said in a different comment, it’s a painful thing to hear, but the sad simple truth is, the bad guys won.

[–] [email protected] 1 points 1 month ago

I have had this same thought many times! Vote with our wallets en masse. It's kind of almost happening to fast food.

[–] [email protected] 1 points 1 month ago (1 children)

Isn't that ideally what the government is supposed to be? We can't all individually fight for ourselves, so we vote for people to represent us and work to protect our interests. That is, if politicians actual represented their constituents and not the highest bidder.

[–] [email protected] 1 points 1 month ago

Well yes except our government is bought and owned by those corporations. That’s why we are not represented by them.

There’s a simple way to put it, but it’s painful to hear: the bad guys won.

[–] [email protected] 1 points 1 month ago

One big union? For all the industrial workers in the world? I wonder if anyone has thought of that before.

[–] [email protected] 0 points 1 month ago (2 children)

In Australia ACCC takes care of abusive businesses, surely there must be something like that? Even 3rd world countries like Brazil has something like it.

[–] [email protected] 1 points 1 month ago (1 children)

Nope. America is OWNED by rich people. It’s a corporation and they make the laws so all the laws are to help them have more power.

[–] [email protected] 1 points 1 month ago* (last edited 1 month ago) (2 children)

I wouldn't see it so black-and-white. I don't think Tim Walz is owned by anyone and he is running for VP.

[–] [email protected] 1 points 1 month ago (1 children)

He’s beholden to the corporations controlled by the wealthiest 1%. Anyone who gets elected is already someone who “plays ball” because they don’t get to there otherwise.

[–] [email protected] 0 points 1 month ago (1 children)

Ha you don't even get to run without people in line to donate to you. And since corp donates for both candidates it's a win or win situation for them, which implies lose or lose for everyone.

[–] [email protected] 1 points 1 month ago

It would be nice if corporate bribery were not allowed. Giving tens of millions to them - to their “campaign” - which they all funnel and launder into their pockets - is literal and unambiguous bribery. And yet it’s the reality of our nation.

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[–] [email protected] 1 points 1 month ago

We have the Federal Trade Comission but it needs to have the balls to really protect us.

Even when they step up its usually a small fine the offender just writes off as the cost of doing business.

Corp breaks a law. Makes $100m profit. Gets $10m fine. All good for the books!!

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[–] [email protected] 2 points 1 month ago

When corpotations are allowed to buy out politicians, this is the end result. Corporations have no responsibility, they know they will not be held accountable.

[–] [email protected] 1 points 1 month ago* (last edited 1 month ago)

Why do ordinary people seem so unprotected against these shady practices

Assuming you are in the USA, it's fundamentally because our politics is fueled by private money. The "haves" spend lots of money to make rules that protect and enrich themselves at the expense of the "have nots". The rich get richer, and the rest of us get a larger share of the burden.

The rich then spend more of their money convincing everyone else that some minority group of their fellow "have nots" are to blame and let us fight amongst ourselves. They starve us but leave us with just enough left to lose so that the price of doing something about it is too high (quitting, losing health insurance, getting arrested at a protest, etc) for most of us to bear.

how can we change this?

Get money out of politics. Get the public to stop blaming their fellow have nots and demand change from the haves.

How does one person even start to address these issues?

Have empathy for and help your neighbors if you can, especially when they take the risks required to push for actual change. Talk to people. Organize. Support/start unions or a mutual aid organization. Go to local government meetings and make your voice heard. Run for local office.

Its easy for a small group of wealthy organizations to tilt specific elections or politics in their favor. It's much harder them to do that in 1,000+ small communities across the nation.

[–] [email protected] 1 points 1 month ago (1 children)

Vote. Seriously. Recent history around consumer protection has been very partisan and this is something that impacts us all

One party creates things like

  • cfpb
  • net neutrality
  • ACA
  • education assistance

The other party. Cancels, sues, interrupts. Project 2025 probably tries to entirely destroy

[–] [email protected] 0 points 1 month ago* (last edited 1 month ago) (2 children)

One party creates things like cfpb

Putting warning labels on predatory lending. Spending more time fighting various right-wing interests in the right-wing dominated courts than doing any actual regulating. Does nothing to deliver actual money to the people who need it - all they can do is regulate the extent to which a private loan is shitty and extortionary.

net neutrality

Tries to regulate the ISP monopoly rather than breaking it up. Doesn't actually guarantee internet access to anyone. Doesn't extend high speed internet or establish public internet access points. Also constantly under fire in the right-wing dominated courts, such that they can't effectively deliver on their function.

ACA

The best thing about the ACA is the extension of who qualifies for Medicaid. Everything else is a band-aid on a band-aid. Just open up Medicaid as the Public Option and you'd have done more good for more people in the long run.

education assistance

Doesn't limit the total cost of education. Can't even extend loans at the Prime Rate, because some private middle man always needs to get a cut. Doesn't improve access to education by setting up new public schools or vocational programs. Doesn't increase teacher pay, reduce student housing costs, or mitigate the cost of living while pursuing an education.

Blah blah, the Republicans Are Worse. But the Democrats only ever seem capable of operating through the private sector via subsidies and civil penalties. Where is the actual public infrastructure? What does the public sector actually own and operate? What is being delivered at cost rather than as a profit-center for a third party?

[–] [email protected] 0 points 1 month ago (1 children)

And for the cherry on top, the party in the 2-party system that claims to be the “good” side trying to implement all these citizen-friendly policies have enjoyed multiple majorities in the last 40 years that would have allowed them to do these with the snap of a finger using well documented legal mechanisms.

And yet, they do not.

That liberal sneer about leftists just wanting to complain rather than fix things? Also projection.

Really weird how everywhere I turn, the “good” side is doing the same fucking thing as the bad orange side.

[–] [email protected] -1 points 1 month ago* (last edited 1 month ago)

Fuck your bullshit propaganda.

[–] [email protected] -1 points 1 month ago

All of these are really important policy changes that have positively impacted our society. How do you spark change to the effect of all these? I recently reached out to the Federal trade commission on one company that has some extremely predatory practices but don't think that'll do anything. What other methods can I use? Email congressman or something?

[–] [email protected] 1 points 1 month ago (1 children)

I finally was able to cancel a Telus home security service after they tried to put me in a 3 yr contract. I finally was able to cancel. I sent the equipment back and then they started charging me other monthly fees as if I had renewed. I didn't even have their equipment anymore.

another 45 minutes on the phone and they say it is finally cancelled. But who knows. I'll probably have to call again when they take the amount from my bank account despite removing my bank info from their site.

A company with 19.2M users. Imagine how many people are robbed "by mistake." This is not a mistake but part of their internal procedures.

Cancelling a service even when contract is over is made difficult on purpose.

[–] [email protected] 0 points 1 month ago (1 children)

This is why you never use autopay

[–] [email protected] 1 points 1 month ago

only use it on accounts you can easily cancel.

[–] [email protected] 1 points 1 month ago

OP I don't know what state you're in but in some states like CA a landlord can't pull shit like this

in California, a landlord cannot compel a tenant to pay rent via electronic transfer. The landlord must provide an alternate means by which the tenant can make payment. See California Civil Code Section 1947.3(a)(1)).

[–] [email protected] 1 points 1 month ago

Yeah I am seeing this more and more. You even see it business to business. We need regulation, monopoly busting, and progressive taxation.

[–] [email protected] 1 points 1 month ago (3 children)

The US is incredibly bad at reining in capitalism. It also only has two parties that are both heavily influenced by lobbyists.

To fix it, not sure, calling politicians and showing up to stuff will help but it's always going to be an uphill battle. Anyway, just vote, if you get the option to choose then vote for a third party as long as you're not in a swing state.

The real solution is still voting reform to get more diverse opinion so if that's on the ballot vote for it and try to get other people to do the same. The UK missed a major opportunity for voter reform.

This can happen over a couple of generations by removing winner take all representatives for a state and cause a hung parliament. Coalition talks will then be more likely to include concessions on the two state systems to get a governing coalition.

You can look at the UK as being the same only one generation ahead if things go well.

[–] [email protected] 1 points 1 month ago

I agree with one correction.

Vote even in non swing states.

There are far too many registered voters who don't vote.

Texas could be blue every year if half the dem no shows just voted.

Also even less vote outside of the presidential election.

[–] [email protected] 1 points 1 month ago

It also only has two parties that are both heavily influenced by lobbyists.

And yet, one party keeps enacting consumer and worker protection laws, with the other party taking them away. HMMM CURIOUS oh well I'm sure they're both equally bad

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[–] [email protected] 1 points 1 month ago

Start organized movements to heavily push for ranked choice voting. If it becomes a national movement then maybe we'll first start seeing it locally, then on a larger scale.

[–] [email protected] 1 points 1 month ago

Let me guess, red state?

[–] [email protected] 0 points 1 month ago (1 children)

To make major, sustained, positive change would require widespread violent revolution.

[–] [email protected] 0 points 1 month ago (1 children)

It’s the only thing we will have left pretty soon. Capitalism is pretty close to flatlining. Then we will have a Corporate Congress and the nation will become The United Corporation of America - in name as opposed to now where that’s what it is but it’s not yet called that.

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[–] [email protected] 0 points 1 month ago (2 children)

Good question and good examples. With things like forced arbitration in user agreements I'd love to know more on how to turn things around on this.

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[–] [email protected] 0 points 1 month ago (1 children)

The unfortunate fact is it is a dog eat dog world, and corporations can and will fuck you over. Maintain a budget, maintain an emergency fund of $10k or 6 months living expenses (whichever is bigger) and be prepared to be screwed over so that when it does happen you don't find yourself up the proverbial creek without a paddle.

On top of this, as an additional safety net, build a friend group and build a culture within your friend group of helping each other. One friend getting a surgery? Offer to cook for them, or bring them some precooked meals. A friend stuck on the side of the road, offer to come help, even if it's just as emotional support.

I started this process a few months ago so I'm in a better position now that my work has announced that they're relocating across the country and basically everyone is losing their jobs over the next 3-9 months. It would've been more convenient if this happened a year later, but it is what it is so now I have to shape my next steps and move forwards

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[–] [email protected] -1 points 1 month ago

Join a radical militia or leave.

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