Class Warfare Blog

May 8, 2019

The Bullshit Scam that Are FICO Scores

We have all been told that FICO credit assessment scores are important. There are even services that will help you improve your FICO score, so you will have more credit opportunities.

It is all bullshit and a scam on the public.

I am a responsible person (IMHO of course). I pay my bills on time with rare exceptions, usually based upon forgetfulness. In any case, I have run up quite a bit of credit card debt, not unlike many Americans. But I was paying them down assiduously. I paid off one card and closed the account, a sign of a good faith borrower, I thought . . . and then my FICO score went . . . down. WTF? I still have plenty of accounts, but if I close one I am less credit worthy? WTF? How does that make sense?

I then paid off a car loan! Woo hoo, I paid off my car and I owned it free and clear . . . and my FICO score went . . . down! Again, WTF?

All of the signs of being an honorable borrower cause my credit score to be decreased?! So, I kept my head down and just paid down what I owed. I paid more than the minimum payment on my credit cards every month, and my FICO score climbed up to 700 and beyond! I was so proud!

But, I wasn’t making enough progress on reducing my credit card dept, so I applied to my Savings and Loan for a signature loan (that had a lower interest rate than my credit cards) and paid off my all of my credit cards (Balance = $0)! Note that I replaced my CC debt with an unsecured loan debt of the exact same amount in this process, so my indebtedness did not change even $1. So what happened?

My FICO score soared from ca. 700 to ca. 800! I was now much more credit worthy than I was before, even though my indebtedness was exactly the same! Also, I did not prove my ability to pay off loaned funds at all! But, now I was an “excellent” credit risk where before I was only a “good” credit risk.

Ironically, my S&L checked my FICO score to assess whether I was worthy of the signature loan (aka no collateral loan) when they processed my loan application.

So, what do I conclude from all of this?

I conclude we have been conned. FICO scores (created by a private credit scoring concern . . . I wonder what their corporate values are?) are part of an institutional effort to make sure we are indebted to the system to the max. They are designed to make sure that we can borrow much more than we are prepared to repay in any one year or even one decade. They are a tool of the lending institutions and the financial elites who are now running the whole fucking show!

That Donald Trump is one of their minions doesn’t help one fucking bit. I feel I want to go around the world apologizing to people in all of the countries of the planet for electing the abomination who is Donald Trump and for supporting an American system that oppresses so many people, including our own.

 

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April 11, 2019

Is Capitalism Given Too Much Credit?

Filed under: Economics,History — Steve Ruis @ 8:27 am
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Over at Ian Welsh’s website, Mr. Welsh has posted yet another brilliant takedown of our common knowledge/wisdom, aka “everybody knows.” he points out that many of the benefits claimed for capitalism were actually a result of industrialization, something that allowed the nascent Soviet Union to outgrow most other countries for quite some time.

Don’t Confuse Capitalism with Industrialization

Here’s a taste:

“We need to stop being nodes in a shitty resource allocation algorithm, and we need to start actually making sane decisions based on group autonomy and welfare.

“And capitalism, capitalism doesn’t do that.”

A very important perspective.

This is typical of what people do. If they like something they attribute positive properties to it whether or not they are possessed by that thing. I recall a teaching colleague who regularly received high marks for her sense of humor in her mathematics classroom. She points this out because she used no humor whatsoever in her teaching. But she was a very good teacher and was also kind and understanding as the teacher of a topic some find quite difficult, so she received high marks for everything surveyed.

Have we done the same for capitalism? I believe so. In addition to this normal tendency, there are people who have much to gain who propagandize the topic. These people often claim that “capitalism is the greatest economic system ever invented,” but if you query them on their knowledge of other economic systems, they are woefully ignorant. How can one claim A is better than B when they have no real idea what B is?

Read the piece, highly recommended . . . and it is short!

October 28, 2018

How Do We Know Drugs are Overpriced in the U.S.?

Hundreds of millions of dollars flow to lobbyists and politicians on Capitol Hill each year to shape laws and policies that keep drug company profits growing. The pharmaceutical industry, which has about two lobbyists for every member of Congress, spent $152m on influencing legislation in 2016, according to the Center for Responsive Politics. Drug companies also contributed more than $20m directly to political campaigns last year. About 60% went to Republicans. Paul Ryan, the speaker of the House of Representatives, was the single largest beneficiary, with donations from the industry totaling $228,670.” (Source: How Big Pharma’s Money – And Its Politicians – Feed The US Opioid Crisis by Chris McGreal in The Guardian)

Drugmakers have poured close to $2.5bn into lobbying and funding members of Congress over the past decade.” (Source: same article)

Obviously the pharmaceutical corporations don’t need those dollars for profits or running their businesses, they represent just the cost of maintaining a system in which drugs are always more expensive for Americans than they are anywhere else in the world (you will find the same drugs, with the same licenses, but with lower prices everywhere else). The return on that $2,500,000,000 investment in U.S. politicians is quite healthy. We are obviously being charged that two and a half billion, over ten years, more than is necessary and since they are unlikely to spend that amount only to make that amount more than they would otherwise, I think it is safe to say that the amount we are being overcharged is far more than that.

October 15, 2018

Defining Conservatives

Filed under: History,Politics — Steve Ruis @ 11:24 am
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A self-defined conservative laid out a number of points why he finds conservatism attractive. These are not all of his points, just some and I respond to these. Here is my truncation of his list, mostly without the supporting commentary:

  1. Conservatives are in favor of less government.
  2. Conservatives are in favor of following the law.
  3. Conservatives seem to support lower taxes. Government can’t really do anything right, companies are much better at getting the right products to the right people at the right time. The higher taxes go, the less well they can do that and the more government will step in and screw things up even further.
  4. Conservatives want people to reach their full potential. They want people to enjoy life and be the most that they can be – without interference from anyone else or from the government – especially from the government.
  5. Conservatives are pro-immigration … but they want legal immigration, not illegal immigration.
  6. Conservatives value life.
  7. Conservatives believe in helping out people who have less than they do. Did you know that 80% of charity money comes from conservatives?
  8. Conservatives believe in the Constitution and that the Constitution is the paramount law of the land. They believe the government should follow the Constitution and the law and not butt into people’s private affairs.
  9. Conservatives will fight for your right to say whatever you please even if they disagree with it.
  10. If you’re poor, a conservative will give you a chance at a job, they will try to help you get an education and a place to live, food and clothing if you need it. But they also expect you to take responsibility for your own life.
  11. The way I see it, is that conservatives want things – like in politics – to work.
  12. Conservatives favor capitalism over socialism because they know that capitalism works better.
  13. Conservatives believe in a strong defense because every country that has dropped their defense has been attacked by some other country.

I don’t know how far I will go with these, but here are some of my responses.

Conservatives are in favor of less government. Well, yes and no. The federal government has expanded under all Democrats and Republican presidents in my lifetime, so no matter what is said, we have gotten more government and not less. The claim that conservatives are in favor of less government is ideological support for their attempts to cut parts of the government they do not like. They tend to follow actions in this vein, for example, with irrational demands to expand military spending (often as a way to support military-industrial corporations, which donate heavily to their political coffers e.g. ordering new tanks when many of the tanks we have are being scrapped because they are unneeded). They seem to be in favor of what they like and not in favor of what they do not. So, there is no position here, just ideological support for “smaller government” in the areas they do not like and larger government in the areas they do.

Conservatives value life. Uh, again, yes and no. Conservatives are frequently anti-abortion. Once you are born, however, you are on your own. And if you make a really big mistake, like breaking the law while black or brown, they are staunchly in favor of the death penalty. So, again, this is a statement meant to portray conservatives in a good light, but really, who doesn’t value life, especially their own? Everyone values life. But being “pro-life” is just ideological cover for what they want to do, like banning abortion, which is a huge government intrusion into people’s private lives. So, here again, their desire for smaller government doesn’t extend to government restrictions on abortion. They want more government regulations in this area, but less in business.

Conservatives believe in helping out people who have less than they do. They just do not want the government involved. They prefer a situation in which the poor know who is giving them a handout. They prefer “charity” as the mode in which we help out our fellow citizens who are struggling. Clearly studies show that “charity” is not up to the task, but still the government, which is really the collective “we” as in “we the people,” should not be involved, say critics. Examples of other countries which have effectively figured out how to provide their citizens with basic supports (healthcare, education, etc.) we cannot copy because well, it would make government effective and the last thing conservatives want is a perception of the government being effective. The government is the only power in play that can rein in uncontrolled capitalism and the richest conservatives do not want that. Government has to be perceived as being inefficient and incompetent … except in the areas they like, such as the military.

Conservatives want things – like in politics – to work. Uh, like everybody else? Actually, they seem to want politics to work the way they want it to and, if it does not, they set about changing how politics works. They recently have been gung ho for voter suppression when historically they have been in favor of the act of voting for everyone. It was just that they began to lose too many elections because the wrong kind of voters were voting.

Conservatives believe in the Constitution and that the Constitution is the paramount law of the land. Well, who doesn’t? It is interesting, however, that whenever the conservatives discover the Constitution doesn’t say what they want, they set about changing it. For example, the Second Amendment right to bear arms was viewed since its writing as a collective right for Americans to bear arms in support of militias. But that wasn’t good enough, so centuries old settled law was changed so that bearing a firearm became an individual right. (With regard to the NRA’s campaign to change the “normal” interpretation of the constitution, Chief Justice Warren Burger publicly characterized the N.R.A. as perpetrating “one of the greatest pieces of fraud, I repeat the word fraud, on the American public by special interest groups that I have ever seen in my lifetime.”) More recently, the Supreme Court’s conservatives have given corporations free speech rights as well as the right to donate as much political money as they want, as if those “powers” of corporations were not just manifestations of their executive officers, giving them super powers as citizens.

Basically, I guess I am arguing that we need to stop using broad descriptive generalizations and, actually, I intend to stop talking about conservatives as people. A responder on Quora who was asked “can conservatives say anything nice about liberals?” responded that he had many nice things to say about people who claim to be liberals but what constitutes a liberal is way too broad for generalizations (epithets yes, generalizations no) so that there was nothing he could say which applied to all liberals. I think the same thing can be said to apply to conservatives.

So, I will try mightily to not talk about conservatives … but conservative ideas and ideology, well, I think there is an open season on those.

September 20, 2018

Our Great Response to the Great Recession

Note The title I wanted and could not create is “Our Great Awful Response to the Great Recession” (mostly due to all of the recent “pat on the back” looks back at our response to the financial collapse).

On the Naked Capitalism website there is a great interview of Michael Hudson in which he simply and clearly points out that our economy is currently still in the tank because of decisions made to bail out political donors and screw average Americans, mostly by President Obama (a corporate Democrat), which were unnecessary and counter to what has worked in the past.

Check it out:

Michael Hudson: 10 Years Since Lehman Brothers Bankruptcy – Did the Economy Really Recover?

 

August 20, 2018

CEO Pay Growing Faster than Yours … Still

Filed under: Business,Economics,Politics — Steve Ruis @ 12:14 pm
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A recent report of CEO pay shows that the gulf between CEO pay and the pay of average workers in their companies has grown wider. I am shocked, shocked I tell you!

Articles are asking “How could this have happened?” As I have said over and over, this did not “just happen,” it was managed by the CEO’s. These people sit on each others boards of trustees to make sure that their pay increases will never be threatened. They have lobbied Congress and state houses to get tax cuts and tax provisions that favor them. We call such tax regulations “loopholes,” but loopholes are laws meant for one purpose that are used for another. These laws were passed for the purpose of increasing CEO power and wealth, period.

Take for example, Bill Clinton’s legislation to rein in the growth of “executive pay.” The situation was CEOs, through “golden parachutes” and other nonsense, were getting extravagant compensation for lackluster, even terrible, performances. So, the Clinton administration decided that CEO pay should be tied to CEO performance, an idea not so bad. But instead of tying CEO pay to some standard measure of business performance (income, profit, 5-year profit average, average wages in the company, customer satisfaction, etc.), they tied it to the value of the company’s stock, and therefore to the stock market. CEO’s rapidly took advantage of this and began getting more and more of their compensation in the form of stock options. They also started manipulating their own company’s stock price for their own gain. (I’m shocked, shocked I tell you!)

The most recent iteration of this practice is having the company borrowing money to “buy back” stock in the company. This has the effect of raising the price of the stock that remains and burdening the company with debt. The only people who benefit are stockholders and, oh, CEOs and other execs. This practice (stock buy backs) used to be illegal but as part of the package deal, it was made legal in the same era that started this binge of stock manipulation.

Who in a company is better positioned to manipulate the price of the company’s stock? Gosh, I believe it would be the CEO.

Can you spell insider trading, boys and girls? And it is legal. And it is making CEOs rich beyond their wildest dreams. And that wealth is being applied to our legislative and court processes to make them even wealthier and more powerful.

And, it all “just happened.” If you believe that, I have some lovely prime building land in Florida you may be interested in … but you might have to drain the swamp first.

July 9, 2018

The Truth About Tariffs

Filed under: Economics,Politics — Steve Ruis @ 1:27 pm
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I ran across a Wisconsin cheese maker (Jim Sartori, chief executive of Sartori Cheese) making this comment recently:
“I’m not an expert but I have never found an example where tariffs have been used as an effective trade policy.”

Yep, he is not an expert.

Now, please note at the start, I am not supporting President Trump’s trade tariffs, quite the contrary. Throwing tariffs around like a drunken sailor, imposing them on former enemies, long time allies, and random other countries makes no sense at all. There is no defense for his actions whatsoever. The supposed justification, that we are being played like chumps surrounding trade, is ludicrous on the surface and ludicrous all of the way down. If anything, we have been the trade bullies extraordinaire (in our historical time). Ask Hawaii about being a trade bully. The U.S. government got behind some rapacious pineapple farmers and staged a coup to make their business efforts more successful. Hawaii was a sovereign nation, and then we “annexed” it. (That is government speak for invaded and overthrew the rightful government.)

But “tariffs as an effective trade policy” Holy moly! Tariffs have been the primary positive factor in creating all of the major global economies existent. I can’t think of a country’s economy that got to any size without a strong program of tariffs.

Mainstream economists, you know the deluded kind, have pushed the “law of comparative advantage” for ages. According to this law, an undeveloped country is better off selling a developed country its raw materials and then buying back the goods manufactured by the more developed country, paid for from the receipts from the sale of their natural resources. Everyone sticks to what they are good at. Sounds sensible, doesn’t it? Of course, the economists don’t point out that using their own concepts, the “value added” to the raw materials makes the manufactured goods more expensive than the raw materials and the less developed country cannot afford much of the good stuff. It also means that the less developed countries will never have the capacity to make their own stuff as the other countries are always better at what they need done. This is exactly the way the developed economies want it; no more competition please. All of you undeveloped stay just the way you are, please.

Take, as an example, the Japanese car industry. Japan makes as many cars now as any other country does (save China I believe) and is notorious for their quality. But right after World War 2, they had hardly any industrial capacity at all, because most of what they had had been bombed into dust. If they had taken the economists advice, they never would have gotten their car companies going because other countries made them better and more efficiently than they could right after World War 2. But the Japanese were smart, they realized that all great economies developed from protected roots and they protected their nascent car companies until they could stand on their own feet. Now they are preeminent, all because of the protects of tariffs.

An Aside I have to mention that when the Japanese started making a dent in our car market, we imposed tariffs on them. When we put a tariff on the prices of the cars, they shipped a zillion inexpensive, yet good quality cars in and they sold like hot cakes. Then we imposed a limit on the number of cars they could import here, and they instead started selling luxury cars in large numbers and making huge profits. It is ad it the U.S. didn’t learn anything from the soviets regarding running a controlled economy. End of Aside

Sometimes the Japanese protected native industries like rice growing because they do not want to be dependent upon others for this important staple. Other times their tariffs were to protect growing industries, just like everyone else.

Pay attention, people, every country does this! It is only sensible. It should be standard economic theory, except that the economists and the economics curriculum has been bought and paid for by plutocrats.

Still, what Trump is doing is incoherent, a wailing against the wind, and will be shown to be very ineffective … and then Trump will blame Obama. If he had a better thought out plan, the Wisconsin cheese makers wouldn’t be quaking in their boots right now as the tariffs being imposed upon us are not in the same areas that Trump’s tariffs are: they are in areas very sensitive to Mr. Trump’s base, so mainstream America, brace for the impact of Mr. Trump’s tariffs; they won’t be felt by Mr. Trump but they will be felt by you.

 

May 28, 2018

Socialism … Bad! Part 2

Filed under: Politics — Steve Ruis @ 7:19 am
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I rest my case. (Note the license plate.)

 

May 2, 2018

Why Capitalism Creates Racism

This is a “must read” post on the Naked Capitalism site.

Why Capitalism Creates Racism

Here are some excerpts:

“In the current era, when NAFTA was passed, Mexico was flooded with American industrial corn. Its lower cost destroyed the peasant economy in Mexico by rendering locally grown corn ‘uncompetitive.’ This cut the peasants whose livelihoods depended on selling their corn out of the cash economy. Millions of suddenly ‘freed’ peasants went to work in maquiladoras or fled North in search of work as undocumented workers. Without racial or national animosity, NAFTA created a new sub-class of industrial labor.”

“In the context of labor coerced through manufactured circumstances (work for us or starve) and control of government by the industries doing the employing, the idea of market wages is nonsense. And therein lies the point. The ‘free-market’ way to entice labor is to pay the wage that people are willing to work for— without coercion. The ‘capital accumulation’ theory behind NAFTA— that sacrifice is required to accumulate the capital that makes capitalism function, (1) begs the question: function for whom and (2) was also used to justify slavery.”

“By the time NAFTA was fully implemented the powers-that-be behind its central policies busied themselves creating explanations of Mexican immigration to the U.S. In their telling, NAFTA had nothing to do with the millions of Mexicans leaving Mexico for the U.S. or for the rapidly declining fortunes of American workers who suddenly faced competition for their paychecks from people willing to work for whatever they could get. ‘Criminals’ and ‘freeloaders’ were coming for American jobs went the carefully-crafted storyline.”

“Of current relevance: (1) different classes of workers were created and placed in competition with one another to benefit a tiny ruling elite, (2) the interests of this elite were / are centered around pecuniary and political gain, (3) after implementation racialized explanations were put forward in lieu of the original economic explanations used to sell these programs and (4) these explanations followed the creation of the racialized ‘facts’ they were conceived to explain. The temporal sequence is important— mass immigration from Mexico and the destruction of the American working class were well-underway before racialized explanations were put forward to explain it.”

“The argument was made at the time, and is still made today, that ‘everyone’ benefits from massively disrupting the lives of millions of people with trade agreements. Theoretical proof is put forward in terms of dollars / pesos of GDP gained. Left out is that the Mexican peasant economy wasn’t monetized and therefore its loss wasn’t counted. Even on its own terms NAFTA was a loser. And imposing these outcomes from above makes them profoundly anti-democratic. In other words, even if the outcomes were as promised, the decisions were made by its largest beneficiaries, not those whose lives were disrupted.”

April 22, 2018

Capitalism: A Conservative Christian Religion

Filed under: Culture,Religion — Steve Ruis @ 11:14 am
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Since it is Sunday, I observe …

Evangelical Christians in the U.S. have decried “Godless Communism” and “Godless Socialism” for many, many decades. Some of the most prominent public evangelicals have been more than a little strident on this issue. (Think of Oral Roberts, Jerry Falwell, and especially Billy Graham, etc.)

And while these economic systems, actually political-economic systems, have been excoriated, capitalism has been mentioned only to praise it as something very close to God’s Will. This seems passing strange, no?

I start with definitions of capitalism and free markets.

Definition of Capitalism (Merriam Webster OnLine)
an economic system characterized by private or corporate ownership of capital goods, by investments that are determined by private decision, and by prices, production, and the distribution of goods that are determined mainly by competition in a free market

Definition of Free Market (Merriam Webster OnLine)
an economy operating by free competition

Any references to God or Jesus there? No? I do not see any.

Well, what does the Bible have to say about capitalism, which is basically a wealth distribution mechanism, providing a few with a way to get rich and many a way to get poor, a system reeking of winners and losers.

No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money. (Matthew 6:24)

Come now, you rich, weep and howl for the miseries that are coming upon you. Your riches have rotted and your garments are moth-eaten. Your gold and silver have corroded, and their corrosion will be evidence against you and will eat your flesh like fire. You have laid up treasure in the last days. Behold, the wages of the laborers who mowed your fields, which you kept back by fraud, are crying out against you, and the cries of the harvesters have reached the ears of the Lord of hosts. You have lived on the earth in luxury and in self-indulgence. You have fattened your hearts in a day of slaughter. You have condemned and murdered the righteous person. He does not resist you. (James 5: 1-6)

Sell your possessions, and give to the needy. Provide yourselves with moneybags that do not grow old, with a treasure in the heavens that does not fail, where no thief approaches and no moth destroys. (Luke 12:33)

Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.” (Hebrews 13:5)

For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs. (1 Timothy 6:10)

Do not toil to acquire wealth; be discerning enough to desist. When your eyes light on it, it is gone, for suddenly it sprouts wings, flying like an eagle toward heaven. (Proverbs 23:4-5)

Whoever oppresses a poor man insults his Maker, but he who is generous to the needy honors him. (Proverbs 14:31)

I could go on … for page after page, mind you, but I think you get the point.

So, why would these devout evangelical Christians (and many others of similar ilk) stand so stalwartly behind a system, capitalism, that if not severely confined results in the rich getting richer and the poor getting poorer, the ultimate “redistribution” that conservatives rail against? (Actually, they are fine with redistribution in this direction, they just don’t like it when it goes the other way.) My argument is that for a religion to prosper it must serve the interests of the religious and secular elites. Almost by definition the secular elites are defined by their wealth, so unless a religion serves the wealthy, its status declines.

If you look at Evangelical history in the U.S., they have had very little impact (save the occasional savant) until they hitched their wagon to the Republican Party. It was Billy Graham who presidents consulted, not a panel of religious leaders or an interfaith council. Upon Graham’s death, photo after photo showing Graham posing with presidents were to be seen in the epitaphs.

So, Christianity in this country, Protestant Christianity mostly, has favored democracy and capitalism, not because these are favored in scripture (they clearly are not) but because these are favored in the halls of power.

What Would A Christian Economic System Really Look Like?
I wish I could really answer this question. I can but start on an answer. Our economic culture is currently “pay-as-you-go,” if you want something, you must pay for it. Our motto is TANSTAAFL, which if you are not read up on Robert Heinlein, means “there ain’t no such thing as a free lunch.”

So, in our culture there is a line we could label “Ability to Pay” that goes from zero to as near to infinity as any of us can conceive of. At the “zero end” there are people who have no job, no housing, no money, no food and live via begging and theft. At the other end we have people who make more than a billion U.S. dollars a year, which as I have indicated before means that if they to work ordinary work hours and take ordinary holidays, they would be “making” $532,000 per hour … for the whole year. That would be to make “just” $1 billion; some make more. To put that in perspective, in my 40 years of work as a teacher, I made $2 million, which these people would make in one afternoon (knocking off early if they wished).

Capitalism does provide incentives for people to work, so there are some of its bones that could be incorporated into the new system, but an economic system that is in accordance with Christianity would have to have both ends of this line truncated.

At the bottom end, everyone would have shelter and food to eat and a reasonable amount of medical care (not to include casting out demons, that would only be included in the Platinum Plans). If people with shelter and enough to eat, couldn’t improve their lot in a fair system (not rigged as our current system is with Right to Work laws and tax breaks for wealthy people, etc.) then that would be their lot in life.

The top end would also need to be truncated, if only to protect rich people from an eternity in Hell (I’m kidding … I think). As incomes reach very high levels, tax brackets need to approach 100%. Now I know this sounds heretical, but I am talking about an economic system that is compatible with Christianity here. Anybody accumulating obscene amounts of money is either doing it legitimately or illegitimately. If they are doing it illegitimately, taxing their socks off is a way to get them to turn away from their illicit behaviors. If they are doing it legitimately, the accumulation of vast wealth is an indicator that they are not taking care of those around them. For example, Walmart could double to wages of its employees and the owners would still make billions in profits every year. Or they could donate those “extra” profits to charities, to avoid very high tax loads, etc.

The additional taxes collected would go to providing the “economic floor” so needed by the poorest among us.

Conservatives should like this system. It would be more “Christian” and with the poor guaranteed a roof over their heads and a full belly and a “fair shake” at improving their lot, if they do not do so, then conservatives would be free to refer to them as being shiftless and lazy.

The additional tax monies acquired through such a system would also allow us to take care of those unable to work: the severely physically handicapped, the mentally ill, wounded warriors, etc. And the rich would still be rich, if they wanted to test the proposition that “Hell is real.”

 

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