Predators preying on poverty

barbara ehrenreich...

Lenders, including major credit companies as well as payday lenders, have taken over the traditional role of the street-corner loan shark, charging the poor insanely high rates of interest. When supplemented with late fees (themselves subject to interest), the resulting effective interest rate can be as high as 600% a year, which is perfectly legal in many states.

It’s not just the private sector that’s preying on the poor. Local governments are discovering that they can partially make up for declining tax revenues through fines, fees, and other costs imposed on indigent defendants, often for crimes no more dastardly than driving with a suspended license. And if that seems like an inefficient way to make money, given the high cost of locking people up, a growing number of jurisdictions have taken to charging defendants for their court costs and even the price of occupying a jail cell.

[...]

You might think that policymakers would take a keen interest in the amounts that are stolen, coerced, or extorted from the poor, but there are no official efforts to track such figures. Instead, we have to turn to independent investigators, like Kim Bobo, author of Wage Theft in America, who estimates that wage theft nets employers at least $100 billion a year and possibly twice that. As for the profits extracted by the lending industry, Gary Rivlin, who wrote Broke USA: From Pawnshops to Poverty, Inc. -- How the Working Poor Became Big Business, says the poor pay an effective surcharge of about $30 billion a year for the financial products they consume and more than twice that if you include subprime credit cards, subprime auto loans, and subprime mortgages.

[...]

I could propose all kinds of policies to curb the ongoing predation on the poor. Limits on usury should be reinstated. Theft should be taken seriously even when it’s committed by millionaire employers. No one should be incarcerated for debt or squeezed for money they have no chance of getting their hands on. These are no-brainers, and should take precedence over any long term talk about generating jobs or strengthening the safety net. Before we can “do something” for the poor, there are some things we need to stop doing to them.

it's shitty being poor... it's even shittier being poor and then being robbed of what little you have at every turn...

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A failed Obama presidency

harsh but pretty much right on...

President Obama Richly Deserves to Be Dumped

By now it should be obvious that the system, and the Democratic Party, run Obama, not the other way around. Under this arrangement, the president carries out his duties as pre-eminent party functionary—fundraising being at the top of his list of responsibilities—and defers on legislation, leaving it to corrupt Democratic barons such as Sen. Max Baucus (D., Mont.), devoted friend of the insurance, pharmaceutical, and banking crowd, and sworn enemy of reform.

[...]

Obama’s hypocrisy in Osawatomie, Kansas, set a new standard in deception. Among other things, his speech blamed “regulators who were supposed to warn us about the dangers of all this [the unfettered sales of bundled mortgages], but looked the other way or didn’t have the authority to look at all. It was wrong. It combined the breathtaking greed of a few with irresponsibility all across the system.”

What’s truly breathtaking is the president’s gall, his stunning contempt for political history and contemporary reality. Besides neglecting to mention Democratic complicity in the debacle of 2008, he failed to point out that derivatives trading remains largely unregulated while the Securities and Exchange Commission awaits “public comment on a detailed implementation plan” for future regulation. In other words, until the banking and brokerage lobbies have had their say with John Boehner, Max Baucus, and Secretary of the Treasury Tim Geithner. Meanwhile, the administration steadfastly opposes a restoration of the Glass-Steagall Act, the New Deal law that reduced outlandish speculation by separating commercial and investment banks. In 1999, it was Summers and Geithner, led by Bill Clinton’s Treasury Secretary Robert Rubin (much admired by Obama), who persuaded Congress to repeal this crucial impediment to Wall Street recklessness.

and, to my mind, the most damning indictment of all...

Barbara Ehrenreich, just after billionaire Michael Bloomberg and mayors of other cities cleared public spaces of Occupy Wall Street protesters [said]: “Where in all this was Obama? Why couldn’t he have picked up the phone and called the mayors of Portland and Oakland and said: ‘Go easy on these people. They represent the anger and aspirations of the majority.’ Would that have been so difficult?” Well, yes, particularly if your principal occupation is shaking down bankers and brokers for campaign donations on the Upper East Side of Manhattan.

just another nudge in the direction of rocky anderson (see previous post)...

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The criminalization of poverty

barbara ehrenreich...

In what has become a familiar pattern, the government defundshttp://www.blogger.com/img/blank.gif services that might help the poor while ramping up law enforcement. Shut down public housing, then make it a crime to be homeless. Generate no public-sector jobs, then penalize people for falling into debt. The experience of the poor, and especially poor people of color, comes to resemble that of a rat in a cage scrambling to avoid erratically administered electric shocks. And if you should try to escape this nightmare reality into a brief, drug-induced high, it’s “gotcha” all over again, because that of course is illegal too.

One result is our staggering level of incarceration, the highest in the world. Today, exactly the same number of Americans -- 2.3 million -- reside in prison as in public housing. And what public housing remains has become ever more prison-like, with random police sweeps and, in a growing number of cities, proposed drug tests for residents. The safety net, or what remains of it, has been transformed into a dragnet.

It is not clear whether economic hard times will finally force us to break the mad cycle of poverty and punishment. With even the official level of poverty increasing -- to over 14% in 2010 -- some states are beginning to ease up on the criminalization of poverty, using alternative sentencing methods, shortening probation, and reducing the number of people locked up for technical violations like missing court appointments. But others, diabolically enough, are tightening the screws: not only increasing the number of “crimes,” but charging prisoners for their room and board, guaranteeing they’ll be released with potentially criminalizing levels of debt.

it's all in keeping with the social darwinian mindset fostered by our super-rich elites... if you're poor, it's undoubtedly due to the fact that you're lazy, stupid, untrustworthy, and just plain no damn good, while the rich, on the other hand, are smart, diligent, hard-working and clearly deserve everything they have...

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"No one checks the weather before leaping out of a burning building"

barbara ehrenreich...

Obama is different, really different, and that in itself represents "change." A Kenyan-Kansan with roots in Indonesia and multiracial Hawaii, he seems to be the perfect answer to the bumper sticker that says, "I love you America, but isn't it time to start seeing other people?" As conservative commentator Andrew Sullivan has written, Obama's election could mean the re-branding of America. An anti-war black president with an Arab-sounding name: See, we're not so bad after all, world!

So yes, there's a powerful emotional component to Obama-mania, and not just because he's a far more inspiring speaker than his rival. We, perhaps white people especially, look to him for atonement and redemption. All of us, of whatever race, want a fresh start. That's what "change" means right now: Get us out of here!

help...! somebody...! anybody...!

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Barack and Hillary - personoids incapable of normal responses

an interesting perspective from barbara ehrenreich...

Trying to say nothing to offend, [Hillary] ends up saying nothing to inspire or even inform, and Obama, though still far more engaged and human-like, risks ending up with another Ambien candidacy.

Part of the problem is structural.We make our presidential candidates campaign for at least a year at a stretch. Take a normal person and subject him or her to month after month of trail mix and chicken Caesars, sleep deprivation, and the need to be "on," smiling and handshaking, 16 hours a day. No solitary moments of reflection, no walks in the park, no escape into thrillers. What do you get after a few months of this? A golem, the artificial, man-like creature of Kabalistic lore, a personoid incapable of normal responses.

So yes, America is ready for a black or a female president. Just be sure to wake us up when it happens.

it's very likely that neither one of them are getting my vote anyway and, just to be annoyingly repetitive, NOBODY'S getting my vote until he or she starts stepping up to our constitutional crisis...

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Barbara Ehrenreich: "In the case of health care, we have identified the enemy, and the time has come to crush it"

barbara ehrenreich has the right idea... let's wage war on the REAL enemy... now, THERE'S a concept...!

The private health insurance industry is not big because it relentlessly seeks out new customers. Unlike any other industry, this one grows by rejecting customers. No matter how shabby you look, Cartier, Lexus, or Nordstrom’s will happily take your money. Not Aetna. If you have a prior conviction -- excuse me, a pre-existing condition -- it doesn’t want your business. Private health insurance is only for people who aren’t likely to ever get sick. In fact, why call it “insurance,” which normally embodies the notion of risk-sharing? This is extortion. [emphasis added]

Think of the damage. An estimated 18,000 Americans die every year because they can’t afford or can’t qualify for health insurance. That’s the 9/11 carnage multiplied by three -- every year. Not to mention all the people who are stuck in jobs they hate because they don’t dare lose their current insurance.

Saddam Hussein never killed 18,000 Americans or anything close; nor did the U.S.S.R. Yet we faced down those "enemies" with huge patriotic bluster, vast military expenditures, and, in the case of Saddam, armed intervention. So why does the U.S. soil its pants and cower in fear when confronted with the insurance industry?

And what about the two to three million insurance industry employees whose sole job it is to turn down claims? Well, I have a plan for them: It’s called unemployment. What country in its right mind would pay millions of people to deny other people health care?

I’m not mean, though. If we had the kind of universal, single-payer, health insurance Kucinich is advocating, private health insurance workers would continue to be covered even after they are laid off. As for the health insurance company executives, there should be an adequate job training program for them – perhaps as home health aides.

Fellow citizens, where is the old macho spirit that has sustained us through countless conflicts against enemies both real and imagined? In the case of health care, we have identified the enemy, and the time has come to crush it.

isn't it way past time to start waging war against our REAL oppressors...?

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The real purpose of higher education

ah...! the priceless benefits of a college education, not the least of which is to insure that you will be forever in servitude to the money and power elites that make the rules...

barbara ehrenreich...

[N]ever forget that your real purpose here is to shake off the pointless freedom of youth and assume the burden of debt. To this end, we have just raised our tuition in an attempt to keep up with such top-of-the-line institutions as George Washington University (now weighing in at $39,210 a year, or $50,000 with room and board). You will find us also charging a plethora of additional fees -- a "student activities fee," a "technology fee," and an "incidentals fee." In addition, we will be experimenting this year with a "snow removal fee," a "lecture hall seat-use fee," and the installation of pay toilets in the dorms.

[...]

On average, you will graduate with a respectable-sized debt of $20,000, which will enable you to establish your all-important "credit history." If we have succeeded in our educational mission, you will be a first-rate debtor, capable of making minimum monthly payments much of the time. As fresh offers of credit cards and home equity loans pour in, you will beam with pride at your achievement.

Please note carefully that Fleece U degree cannot guarantee you a future income that will allow you to pay off your debts. Many of our most promising graduates are now, three or four years later, working for $8-12 an hour serving up lattés, counseling disturbed youth or creating business computer networks. They are set for a lifetime of debt, and we are proud that they first began to accrue it right here, on our lovely mock Oxfordian campus.

We don't have to remind you not to stigmatize debt as a condition associated with poverty. In 2006, for the first time, the average household's debt exceeded its income. By becoming a debtor, you will have entered the American mainstream! We have confidence that you will go on to mature effortlessly from college debt to car loan to mortgage to medical debts occasioned by the ever-growing gaps in coverage.

as the parent of three children, all of them saddled with significant debt left over from their college educations, i all too well understand the dynamics of this particular form of slavery...

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"All jobs take skill - and intelligence - and experience"

i've focused many of my professional efforts on enhancing, supporting and empowering the inherent dignity and worth of those who do the real work in our society... i've been increasingly drawn to the work of barbara ehrenreich as someone who shares the same values... here, thanks to the unknown candidate, is a clip from the recent documentary, the american ruling class...

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The American workplace - one of the most repressive in the developed world

i remember an anecdote told by a world-class guy about his experience with the japanese national director of quality... he asked my friend what was the difference between the united states and japan... he knew immediately it was a loaded question, so he played along and said, "why, no, tell me..." the japanese smiled and this is what he said...

"japan has the most regimented, repressive society of anywhere in the world, and the united states has the freest, most tolerant society in the world... in japan, the workplace is the freest, most open, most employee-friendly in the world, but in the united states, the workplace is the most repressive, most rigid, least employee-friendly imaginable... why IS that...?"

yeah, why IS that...?

barbara ehrenreich writing in alternet...

With the Employee Free Choice Act heading toward a Senate vote, conservative columnist George F. Will has suddenly developed a tender concern for workers' rights. The act "strips all workers of privacy," he fumed in the Washington Post last week, and will repeal "a right -to secret ballots -- long considered fundamental to a democratic culture ..." As Will sees it, the unions are backing the act out of sheer desperation: Since they can't seem to win a fair fight for workers' allegiance, they want government to take away the workers' rights and help herd them into union membership.

OK, now let's leave Will-land and enter an actual American workplace. Are you punched in? Good. The first thing to notice is that you've checked your basic civil rights at the door. Freedom of speech? Forget about it: Some employers bar speech of any kind with your fellow employees. I saw this firsthand at a chain restaurant and a Wal-Mart store. Wanna work? Zip your lips.

How about those privacy rights that Will so concerned about? Nada -- they don't exist outside of Will-land either. You probably had to pee in a cup to get your job in the first place, which constitutes a very intimate chemical invasion of privacy. In most states, your purse or backpack can be searched by the employer at any time; your emails and web activity can be monitored.

Right of assembly? Sorry, you don't have that either. In my experience, most managers see a group of three or more employees talking together as an insurrection in the making. Shut up and get back to work!

barbara ehrenreich, imho, hits the nail precisely on the head...

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