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.