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Re:Online installment loans have taken the subprime market b... by mikestew on Tuesday October 29, 2019 @11:44AM (#21388430)
I’m going to assume that you’re young with limited life experience, which allows you to think that life is that clear-cut. I’d argue, but experience tells me I’ll have to wait until life decides its your turn to stand in front of the steam roller.

A much less charitable interpretation has you making convenient answers so that you can conveniently wash your hands of social responsibility. But, man, I hate think that about anyone, even anonymous internet commenters.

Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @11:47AM (#21388478)
Wrong. 5 decades in, started in the trailer park and worked my way up.

Had enough life challenges to understand how this stuff works.

Re:Online installment loans have taken the subprime market b... by mikestew on Tuesday October 29, 2019 @11:49AM (#21388494)
Then I guess option B is all I’m left with.
Re:Online installment loans have taken the subprime market b... by dang on Tuesday October 29, 2019 @10:54PM (#21394282)
Please don't cross into personal attack in HN comments. You did that upthread and then did it more here. That's the wrong way to go. Please review https://news.ycombinator.com/newsguidelines.html and eliminate that kind of swipe out of your posts here—regardless of how wrong or annoying you feel another commenter is being. Maybe you don't owe them better, but you owe this community better if you're participating in it.
Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @12:03PM (#21388672)
OK little story here

Abusive drunk family, plenty of legal issues as a child, ran over by a drunk driver, ( flatlined 3 times in ICU for a month and disabled ), divorced 2 times, 2 kids, married again, adopted 2 kids, worked my way into silicon valley, now I do ok

cliff notes of my life. Judge me all you want but what I have learned is life is a fight to the death. You can lay down and let it run over you complaining about how the deck is stacked against you or you can do the best you can.

Your choice. I have and will continue to help those who I see fighting the good fight but I have no empathy for quitters.

Re:Online installment loans have taken the subprime market b... by manthedudeguy on Tuesday October 29, 2019 @02:08PM (#21390271)
"Everyone should have it as bad as I did!"
Re:Online installment loans have taken the subprime market b... by Frondo on Tuesday October 29, 2019 @01:34PM (#21389821)
This is a bad way to run a society, that everyone is "in a fight to the death," especially for the wealthiest nation in history.

We're sitting on enough resources to feed and house everyone, and the rich would still be fabulously rich.

"I struggled, therefore struggle is okay" is not the answer.

Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @02:17PM (#21390380)
I didn't quit and because of that succeeded in spite of the obstacles.

There is your example.

Trust me... being on disability was an option and quite tempting.

I wanted more out of life than to sit around letting others take care of me.

Re:Online installment loans have taken the subprime market b... by Frondo on Tuesday October 29, 2019 @03:27PM (#21391087)
You know that statement, the plural of anecdote is not data?

Lots of people struggle and what you're describing is just crab bucket. You struggled so you think it's okay if everyone does.

It's not.

Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @05:37PM (#21392345)
Not struggling through life would be what I call privilege. Someone did struggle and gave you that privilege.

No one coasts through life without someone struggling.

Re:Online installment loans have taken the subprime market b... by __blockcipher__ on Tuesday October 29, 2019 @11:51AM (#21388531)
What a horrifically uncharitable assumption to make.

Why not just actually argue the point you want to make rather than resorting to not-so-subtle personal attacks?

Re:Online installment loans have taken the subprime market b... by toomuchtodo on Tuesday October 29, 2019 @11:52AM (#21388544)
It’s uncharitable to have a disdain for those without empathy when a large component of success is luck?

If you think success is guaranteed with grit and hard work, you are woefully misinformed. You can do everything right and still fail hard. “Personal responsibility” is a dog whistle for the willful ignorance of the necessity of government regulation and social safety nets.

Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @11:59AM (#21388633)
Granted I only have 5 decades of perspective but I have noticed people who get lucky tend to be the ones who dont quit.

The ones who quit tend to call those who dont quit lucky.

Re:Online installment loans have taken the subprime market b... by toomuchtodo on Tuesday October 29, 2019 @12:03PM (#21388682)
And those who don’t quit and still die in the gutter? “Lack of hustle”?

Your five decades is a drop in the bucket of human experience. I recommend more empathy and introspection on suffering of your fellow human.

Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @12:25PM (#21388957)
I am not the only person with this perspective. Some very accomplished people agree with me.

“Shallow men believe in luck or in circumstance. Strong men believe in cause and effect.”

― Ralph Waldo Emerson

You don't know that dying in a gutter was actually better than the other option for their life.

Re:Online installment loans have taken the subprime market b... by ceejayoz on Tuesday October 29, 2019 @12:47PM (#21389219)
Emerson received a substantial inheritance from his first wife's estate, which gave him built-in income of about $30k/year (inflation adjusted).

Lucky people often prefer to pretend it was all hard work, but that kind of financial cushion makes a big difference.

Re:Online installment loans have taken the subprime market b... by geggam on Tuesday October 29, 2019 @02:19PM (#21390401)
You saying he lucked into a marriage ?

Marriage is work. This I do know.

Re:Online installment loans have taken the subprime market b... by Drakim on Tuesday October 29, 2019 @12:35PM (#21389073)
The ones that die from medical conditions because they can't afford treatment you don't "notice" at all, since they are dead and gone.