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Re:FICO to incorporate buy-now-pay-later loans into credit s... by potato3732842 on Tuesday June 24, 2025 @07:54AM (#44365174)
I'm really sick of this sort of look down your nose at a huge fraction of consumers type behavior. It's the same sort of stupidity that underpins the famous "surely everyone else is wrong" behavior that is exemplified by principal skinner[1].

I eat garbage by the standards of anyone who gives a crap about food and you don't see me going around looking down on everyone for wasting resources on fancy food ingredients and fancy cookware and whatnot. At the end of the day these unnecessary things bring enough perceived benefit to people's lives that they seem worth it, whether that's you overpriced LeDouchebag brand enameled dutch oven or a financing service for consumer garbage doesn't really matter. It's all a "needless" expenditure at the end of the day that people find worth it.

I've never used these services and probably never will, nor am I saying the prevalence of these things is optimal at scale, it's probably not, but I'm not gonna sit there and act like 1 in N consumers, probably hundreds of millions of people, is wrong or ignorant for using them or that I know better for not.

-shitposted from my 8yo phone while driving my $500 car through traffic on bald tires

[1] https://knowyourmeme.com/memes/am-i-so-out-of-touch

Re:FICO to incorporate buy-now-pay-later loans into credit s... by suddenlybananas on Tuesday June 24, 2025 @07:58AM (#44365198)
Le Creuset pots are genuinely great though
Re:FICO to incorporate buy-now-pay-later loans into credit s... by eric_the_read on Tuesday June 24, 2025 @11:59AM (#44367610)
Absolutely! But they're not, IME, 6x as great as a $50 Lodge dutch oven. They don't solve a categorically different problem or solve the same problem in an innovative new way. They're just really nicely made, is all.
Re:FICO to incorporate buy-now-pay-later loans into credit s... by lurking_swe on Wednesday June 25, 2025 @04:51PM (#44381701)
well built and work well - yes!

However i bought one and regretted it immediately. I think i just don’t like dutch ovens in general. The pot is heavy as hell. I gave mine away to a friend for free lol.

Carrying a 25 pound weight in the kitchen / dining room is not my idea of fun. :) I use an All-Clad stainless steel pot now instead. Weighs half as much and it will last forever.

Re:FICO to incorporate buy-now-pay-later loans into credit s... by tristor on Tuesday June 24, 2025 @11:49AM (#44367499)
> shitposted from my 8yo phone while driving my $500 car through traffic on bald tires

I mostly agree with you, but some of those "needless" expenditures have negative externalities when avoided. Whether that's processed foods causing heart disease and diabetes that strain public health resources, or your bald tires greatly increasing the likelihood of an automobile accident that could kill you or someone else. Your response takes an opposite extreme that none of this matters, when in fact much of it matters, but it's not like treating it like it matters makes you a better person. We need to eliminate moral value judgements from the equation, while still being reasonable.