Saturday, July 18, 2015

Why does capital not deserve moral respect? Because all property is theft!

I imagine many readers (actually, I don't have many readers) being offended by my attitude toward debt in my axiom "Default Early and Often!"

These angry readers may say things like: People should be responsible!  People shouldn't sponge off of others!  Etc!  Essentially taking moral outrage at bankruptcy.

They're making it too hard.  There is no reason to believe that following the rules of Capital (i.e. Property…and as now constituted not including slaves in-the-traditional-sense) represents morality or immorality.

It fundamentally can't because the origin of property itself is theft!  Original land property, and many other kinds, was simply taken from the commons.  It's continued existence and trading is the continuation of an original crime.  It is not cleansed of immorality by successive generations who may have actually "contributed" to the general welfare in the process of earning their share.  Stolen property is stolen property regardless of whether you paid good money for it.  Furthermore the biggest share has always gone, all along, to the biggest crooks, liers, and slavers.  The notion that we're supposed to have moral respect for this, who owns what and can therefore tell us what to do in order to survive, is positively laughable.

Now if you want an easy life, or even a tolerable life, going along is the way to get along.  Living in the context of an original and continuing Grand Theft of Everything it's most often easiest to follow the rules, and be square with the devil of who owns what and how much.

But when you have the clear opportunity, and nothing to lose except your fake sense of morality…

It doesn't take them more than a second to discharge one fraction of their their debt to society, through limited liability or other legal means, bribery, or other means, or even to acknowledge it exists.  And these are the ones we ultimately obey as rent is paid to the original theft.






Friday, July 10, 2015

Polyamory? Good Luck! Polygamy? Well, no.

I've taken a kind of libertarian position, uneasily, regarding polygamy.  But this fascinating blog blows all my thinking about this away.

Polyamory is fine, assuming real polyamory among roughly free equals and not sex slavery.

Polygamy, multiple marriage, is something different.  It involves a contract, explicit state sanction and support, and has a long history of being associated with the abuse of young women.  I would now agree agree it is not a good idea to allow such legal associations.

Now because of its history, Utah has set a very tough standard against polygamy.  No state in the US permits multiple marriage contracts.  But Utah considers single marriages with multiple related childbearing cohabitants to be common law polygamy, and prohibits that as well.

That goes right at the heart of freedom of association, and many other rights.  But I don't even have to be a civil libertarian not to like it.  A Federal Court has ruled that Utah's prosecution of such associations is against federal law.  Utah has appealed the latest US court judgement in September 2014.

Now back to polyamory.  I don't think I'm just speaking for myself when I say that sexual relationships are hard, hard, hard.  I have never been in a polyamorous relationship, but I have spoken with some who are, and they say it gets harder still with multiple parters.  The negotiation of everything exponentially more complex.

Polyamorous relations are far more common among LGBT than straight.

Polyamorous associations possibly haven't done much, however, for a social difficulty which may be at the root of much crime and social dysfunction.  I don't think it's done more for lone wolf hetero males, since polyamorous associations which involve any women are likely to more women than men

That's not a reason to prohibit polyamory, it a reason for new, different, and restored institutions to actually replace traditional society rather than just denigrate it.

One institution which does soothe the pain felt by lone wolf males is legal prostitution.

I am anything but a champion of the market idea for solving everything, especially wrt allocation of social resources.  I more take the position that markets may be useful in some circumstances and should be used only in those circumstances, and be appropriately regulated.  Prostitution is one of those places where a well regulated market is especially useful.

Should make marajuana centric "coffee shops" also, another social institution that supports lone wolves and brings them into new associations.




Thursday, July 9, 2015

The Cross of Neoliberalism

The Euro is a 24k Cross of Neoliberalism.

Like all neoliberalism, it enables financial kleptocracy, and ultimately the end of democracy.

It should all be abolished, and we should return immediately to Social Democracy.

Sadly, neoliberalism will not be easy to dislodge.

It pays just the right people, like Presidents who can retire and make gazillions from their connections.

And more generally, moneys own the press, the airwaves, ultimately the outcome, which is uses to make still more money.

Cashing out should be expensive, and income more than 10 times the median and wealth accumulated from it should be taxed away, not built into a permanent enslaver of everyone else through endless means.

For every irresponsible--or just unlucky--borrower, there is an irresponsible lender, and we should hold the latter more responsible.  Default early and often is what rich people do, though they have better ways of doing that through negative externalities (aka cost shifting), limited liability and other means.  So I suggest default early and often to poor creditors too…Chapter 7 Bankruptcy if possible…there is no loss in moral virtue for a creditor unable to pay* in my view--that possibility was the Banker's responsibility.  Only consider the benefit of continuing credit, something I think is good and fine and best maintained if possible in societies that have it.  The greatest virtue is in having no claims to anything whatever.  Perhaps balancing debts with assets is one way to achieve that.  I'm glad to own a home outright, it fits my lifestyle, but I see no more virtue either in doing so or having done so.  I have some revolving credit card debt, now mostly at zero interest until next year.  I wonder if it wouldn't be more moral to have what bankers even seem to want…more long term financing.  I wonder if there wouldn't be greater virtue in being more extended and having paid for the work of others in developing my future establishment even more, and die with liabilities equalling assets.

Anyway I had some luck, after all, and worked many years.  But my only virtue from owning a home may be found in how I maintain or develop it and to what ends I use it.  Not the mere fact of ownership.

(*I would take their word for it…I don't think people should suffer much beyond the expectations at the time of taking the loan.  The lender is responsible for making sure the loan contributors to the borrowers life in such a way that enables them to pay back and still be able to benefit.  Being a gatekeeper for society, a lender takes on these responsibilities.  To do otherwise is to be a predatory lender, intending to profit from the misfortune of others.  Much of this is already in many laws which tended to be overlooked leading to the collapse of 2008.)

All are entitled to healthcare and higher education, regardless of ability to pay.  No overall benefit to society accrues from making people pay for those things…so they shouldn't!

When a need is not being met by private industry, or cannot be well met, it should be met by The People, just as Lincoln said.

Every financial asset is a claim on the future labor of others…that is what it actually represents.  Therefore there is no benefit to society from having "rich" people who have accumulated many of such claims.  The same real wealth in the physical world exists independent of any claims on it.  The only benefit from capital accrues from organization, organization which would be better achieved through democratic means.


Tuesday, June 16, 2015

Opposed to TPP

Opposed to TPP

Economists:
Krugman, Stiglitz, Robert Reich, Dean Baker, (many others)

Environmental Groups (who fear TPP will be used to gut environmental protections):
Sierra Club, League of Conservation Voters, 350.org, Defenders of Wildlife, National Resources Defense Council, Greenpeace

Consumer Groups (who fear gutting consumer protections):
Consumers Union, Consumer Federation of America, National Consumers League

Progressive Organizations:
MoveOn.org
People for the American Way
Americans for Democratic Action
Common Cause
Daily KOS

Religious Organizations:
Presbyterian Church
Evangelical Lutheran Church in America
American Friends Service Committee

Civil Rights Groups
NAACP
Feminist Majority

Unions
AFL-CIO

Saturday, May 9, 2015

What is Prosperity?

I would define the sensible aspect of prosperity as a proportion: a proportion of the people who can afford a basic "middle class" life: good basics.  Enough even to send one child at a time to state college, enough for two solid cars (needed nowadays for a decent life in many cities, or an alternative extra cola for places like San Francisco where you don't need a car but other expenses are higher), a starter (the cheapest) home mortgage or equivalent rent.  (Doing all I just said they would have to be incredibly frugal also…or less frugal not doing those things.)

I'm guessing this is probably around the median income in the USA now, or around $60k for family of 4.  That translates to two full time working incomes of about $15/hr for two working persons.

So the USA currently scores 50% or 0.50 on my prosperity index by my own guesstimate.  I am not permanently putting this at 50%, I am not considering status or ranking, only what is required for a decent life.

(Has it been better?  Perhaps, and especially if other factors like risk are included.  But generally USA prosperity has been about stagnant since the 1970's, with the last year of the old New Deal being 1973. Prior to that prosperity had been growing since the 1930's.)

Why quantify something like "a decent life" instead of things like our "poverty line" based on the minimum calories one can get away with?  Well a decent life for all is exactly what we should be interested in.  I admit it may be harder, more subjective, but most people understand roughly what I'm talking about, and it's important.

And it is a thing not based on status, being above others, etc.  Status is not included in this basic measure.  So, the cheapest able car, code-compliant house, etc.  (Many people get by without those things…but that's poverty, not prosperity.)

In this measure it doesn't help for some people to be extremely rich--that doesn't make us any more prosperous.  But here we are also, as I said, focussed on the sensible aspect of prosperity…what we feel with out senses generally.  What we are creating for the future is another thing, and another thing entirely from much economics, investment analysis, etc.

While the financial structure we are creating is indeed important (and we would be doing better to be creating a simpler, more tractable, fairer, less gamed, etc., financial structure as well as greater equality) what we are creating for the future begins with what we are doing to the physical world.  Are we making it more nice (say, the possibility of having a decent life in places where it has generally been, in the last 10,000 years, possible to have a decent life) or less nice?  What is the prospect for the future?

I would say clearly we are disinvesting from the world in this way.  We are making it far less nice.  We are using up natural resources, generating pollution and environmental destruction, mass extinctions, global heating and acidification, and possibly far worse.  Such areas as have been great wild lands are turned into intentional uses, even the most basic one--farming--being destructive even if done organically (but far less so, of course).  The very best thing we can do with any land anywhere is to leave it alone--leave it to nature and the other species.  Or in many cases now--restore it to what it was, including the species if we can.

So much as we may pride ourselves on our productions even more perhaps than our extractions and utilizations and excretions, it may all be a negative in the long term creation sense.  (Sure, it was nice having the mobility and the comfort…but that's sensibility and not investment.)

Investment would be the creating of sustainable infrastructure for sustaining a sustainable number of humans…and toward the end of 100% prosperity, and a minimal decent human footprint for maintaining a technological society (another reason why 1billion or so might be the number) capable of such things as space travel.  AND leaving the rest for the rightful use of wild creatures in their natural ways.

We are, of course, doing anything but that, going mostly full throttle in the reverse direction now.

So investing also means building the society that can lead to fairly reducing population through birth control to achieve these ends.  If the ultimate sustainable population were to be around 1 billion humans, as I believe it to be, the required average birth rate could be calculated to achieve this within a reasonable time, say 150 years, with the maximum prosperity.  We might even have to achieve the goal sooner to avoid the worst planetary damage, perhaps 75 years, or some combination of environmental impact change and population reduction.

If we don't, I would imagine the same thing happening involuntarily and under horrendous circumstances over 250 years.

Or some mixture of restraint and catastrophe--that's actually the most likely thing, and with the human population temporarily undershooting the sustainable level, down to perhaps 10 million "survivors" who build the new human civilization 300 years from now.




Tuesday, April 21, 2015

The Daily Laugh

I didn't feel good about Jon Stewart's The Daily Show from the very beginning.  Jamelle Bouie's postmortem sums up my feelings precisely.  I particularly detested his "Rally to Restore Sanity."  While I intended to watch it simply to keep up with others, I never got around to watching it by myself.  Many people I respect greatly preferred Colbert--despite completely disagreeing with Colbert's stage character.  I never got around to watching Colbert by myself either.  I have hardly had time to keep up with the real news on Democracy Now!

Of course there isn't much else on corporate TV that does anything better than Stewart either.  You just can't expect anything but disinformation from Oligarchy TV.  Stewart added a bit of fact and irreverent humor to his fake news show, which made it better than most.  But it was still disinformation.

Monday, April 20, 2015

affordable Care ?

A friend of mine is waiting to get a physical exam.  She enrolled in an ACA HMO policy this year, I think it was February.  She is having to wait until July.  She is worried about her heart.  She has been paying $360 per month and hasn't seen anyone yet, despite two attempts.  Last time she was down to the clinic in hope of getting seen, she saw lots of pamphlets about free tests for poor people.

Meanwhile, I have a reasonably good company policy, and I've been talked to about going through another battery of likely unnecessary tests to continue getting my statins refilled.  Last time, 8 years ago, I went all the way, from radiological treadmill to ultrasound to cardiac catheterization.  In the end the finding was squeaky clean.  I've never had any serious symptom (I complained once about multiple beats) and heart disease hasn't been the family problem (both of my parents died from cancer).  I am somewhat overweight but I avoid stress and have low blood pressure.  This year my doctor saw me in her office to tell me about getting more tests the very day I called about getting my statin refill.  I am grateful she let it pass this many years (I think she's been telling me to go back to the cardiologist several years in a row now).  I am not worried about my heart, though I think statins are helpful (they do improve my cholesterol numbers fwiw).  I have heard a lot of claims that statins are not even helpful, high cholesterol is a phony problem, and stents (what might have otherwise been the outcome of my cardiac catheterization) are less then helpful as a precautionary measure.  While I still think statins are helpful, I suspect they don't help very much.  I'm more worried about the downside to the escalating examination/treatment treadmill than losing the benefits of treatment which is not symptomatically demanded.  Last time, during the cardiac cathertization they used a newly approved metal closure--for which I gave permission as I was on the operating gurney.  If I had had a chance to check it out, I would have insisted on the old fashioned method.  That cardiac catheterization cured me of any desire to have any more testing or treatment that doesn't seem to me to be absolutely necessary.  On top of it all, my policy wants me to sign up for an additional "wellness coach," and I'm not responding to that.