ObjectivityIncarnate

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  • 19 Comments
Joined 3 months ago
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Cake day: March 22nd, 2024

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  • women struggling in the office when they did not put on makeup that specific day, how the behavior of random strangers changed etc.

    It’s simply the difference that’s being noticed, and no one’s really at fault for that, on either side. Any woman who never wears makeup is also never going to get the same ‘are you sick?’ kind of reactions on any given day she doesn’t wear makeup to work.


  • Same, I’m really grateful she has no interest/desire to wear makeup. It was also nice to know what her face looked like from day 1, which is what this app is meant to facilitate.

    The more I think about it, the stranger the notion of ‘gatekeeping her real face’ behind a full-on relationship sounds to me, lol.

    P.S. lol, I just remembered reading an old ‘hack’ for this years and years ago: make a water park your first outing together.




  • imposing a higher interest rate on them on top of that is just the final nail in the coffin.

    That’s the only way to justify loaning to people like that at all, given how much more often they default (and the lender never gets repaid at all). If lenders were forced to give the same interest rate to everyone, that would cause them not to lend to “A person with a low income with a precarious job” at all.


  • ObjectivityIncarnate@lemmy.worldtoMemes@lemmy.mlthe debt
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    24 days ago

    You’re discounting the people who have always lived within their means and so never took on debt.

    No I’m not. Those people are unknown quantities, and so also suffer if credit scores go away, because bad borrowers are worse than first-time borrowers, so without credit scores, first-timers will be treated worse.


  • ObjectivityIncarnate@lemmy.worldtoMemes@lemmy.mlthe debt
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    25 days ago

    And how exactly is guessing your credit worthiness based on those factors a better system than literally keeping track of what happened each previous time money was lent to you, when it comes to making a decision on lending money to you?

    This is like arguing it’s a better idea to select NBA players by their height, than by their performance in high school and college basketball games.


  • ObjectivityIncarnate@lemmy.worldtoMemes@lemmy.mlthe debt
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    25 days ago

    Only people who are bad credit risks ever come up with this take, lmao.

    The sole function of credit scores is to benefit people who are reliably ‘good for it’ when they borrow money. Without them, everyone is treated as just as high a risk as the worst borrowers who are least likely to pay back their debts, and you gain no benefit from reliably paying back your debts. But with them, your good borrowing is kept track of, and good reputation means lenders trust you more to pay your debts back, so they’re willing to lend more, and they are willing to charge less interest.

    Removing credit scores changes nothing for bad borrowers, and hurts good borrowers.




  • No one shoplifts formula to feed their own baby, they steal it to literally scalp it to those who actually do need it, at a fat markup, after conveniently draining the store’s supply so they’re the only source.

    They’re not Robin Hoods sticking it to the Big Bad Corporation. They’re profiteering scumbags.