Monthly Archives: November 2009

Battered American Consumer Sydrome

It’s been a while since I wrote and wrote about credit cards. Honestly, I’ve just been way to disgusted by big business in our country that I just do not have the heart to write. There are just many ways I can express how the American consumer is being taken for granted before I feel like I am talking to a brick wall.

I do believe the American consumer, like a battered wife closes our eyes to our abusers – the banks, creditors and even insurance companies. It is kind of ironic we would be taking abuse from a company that is supposed to be offering us “insurance.” It seems to me, some have forgotten the definition of insurance. Many of us know the bad dealings of creditors, banks and their incestuous relationship with Credit bureaus. We all know how many of our politicians are sponsored by these very companies. Then why do we all turn our backs and ignore it? Why are we blaming one another when we know there is blatant corruption? Why do we allow them to get away with it?

Fear of retaliation. It that fear is justified after the government legislation barred some abusive practices, the credit card companies started cancelling accounts, raising rates, etc. Is this the government’s fault for standing up for consumers, or the creditors for being, well pr? What would we say to a woman, whose husband threatens to kill her if she leaves? Most people would not blame the woman for misconduct. We would find her help and shelter. It is the exact same thing with credit card debt, or medical bills. Yes, let’s blame the sick for the insurance companies denying coverage. In many cases, we are in the practice of blaming the victim and in that case, we are a participant in the abuse.

Fear of the unknown and change. Many battered women do not leave their husbands for fear of being alone, fear they cannot find better and if they just try harder to please him, the abuse will stop. What do we, the American consumers do? We bend over backward to adhere to crooked laws and abusive practices so we can take pride in a good credit score? Yes, we can make our abuser proud. But just because we have a good credit score, does that stop the abuse? No, it just makes them want to whack us harder. It is naïve to think that if we all just play by the rules and don’t step out of line the abuse will stop. Just because someone isn’t currently smacking you with high interest does mean the abuse doesn’t exist. It’s called denial.

How did we get to this place and how do we get out? Realize who is at fault – the banks, the creditors and insurance companies. Realize that none of these institutions care for the American consumer. And the only way we are going to regain our freedom from corporate America is when we no longer have fear. When we won’t fear their retaliation, when we don’t fear change, when we has Americans can put aside our petty differences and unite for the common good. The fact that we remain so divided is good for those who want to enslave us – divide and conquer. They’ve done a great job.


Facebook’s Farmville Exhibits American Culture

Yesterday Facebook’s Farmville came under fire for scams, and also a few high-minded reporters offered their opinion of the waste of time it is to play a video game. Really? Funny how our reporters have been living under rocks, because our culture in many ways has become a video game. Have you ever noticed our freeways seem to be scenes from Grand Theft Auto?

Before I go on, I have to admit, I am one of those adults hooked to Farmville. I love it. After a long day of work, beating the rush hour traffic and after watching at least two hours of the news; I need a mental escape. So, the way I see it, I can either play a video game on Facebook or watch “reality TV.” It’s all very relative. We all need some mental down time to decompress after a stressful day.

Although some see Farmville as some silly game, it says mountains about our current American culture. The point of the game is to farm/work in order to earn credits to purchase more seeds, trees, animals or even a house. The key point here is, and I reiterate – work to earn credit.

Facebook, not unlike our culture gives us another option; we can buy credit. Yes, as some reporters mentioned you can buy points with you credit cards to advance in Farmville. But I ask, isn’t this what happens in our society? Instead of working to achieve success, many buy it. What we don’t have the patience to earn ourselves; will spend our money to get. Why earn credit, when you can buy it? It’s the American way.

John Stewart wisely quoted several months ago, “When will our nation learn, wealth is work?” I’d like to expand that point. When we will learn, life is work? We pay online services to find us love; when love should be free. James Ray has shown us the dangers of paying someone for “self help.” Don’t feel like wasting then energy to work out; take pills or have cosmetic surgery. So you see Facebook’s Farmville is only an online example of the reality of our culture. Perhaps many have difficulty seeing the truth.

And to those who accuse Facebook of scams…Hello? May I introduce you to Goldman Sachs, AIG, Bank of America, and JP Morgan Chase, VISA, Mastercard, etc…? We the American people are being scammed from the top down and many scamming entrepreneurs are just looking for their share. Personally, Facebook’s Farmville or not, until we as a people learn to earn our credit, there will always be someone waiting to scam us with quick sells and fixes. It’s not Facebook. It’s certainly not a harmless video game like Farmville. It is our culture.