coffeejoe

I can tell you haven’t found the right pen.

Because then you have to use a pen like a cave man.

City Skylines

I guess my issue is imagining private banks being bypassed, but it seems you’re saying that isn’t a thing in the real world.

I understand your point, however it’s flawed from the start in that government interest rates should not be used for a means of risk assessment, in my opinion. Your argument makes sense for private institutions. Bank loads should follow your logic. The government, however, should use interest rates to funnel new money where it’s needed most, and not towards private investors.

They should give lower interest rates to those with less means instead of the other way around.

Good

And it shouldn’t be your job to reprimand them. And they shouldn’t be financially reprimanded. They should be taught better by mgmt or let go. Not on you to manage someone else’s employees or wages. Wish we would all stop tipping at the same time.

Too much of anything will kill you.

Why have the opt-in loophole? Stop letting companies sell identifiable information.