ITT a breath of fresh air. I am not alone in having an interest in personal finance, and understanding the basics of it.
Most of my interactions on lemmy so far have been making me feel guilty (and downvoted) for saving some money like I was a dirty billionaire, and to invest in index funds, using capital to further oppress the masses.
In Australia, at least at the beginning, bnpl services managed to bypass all money lending regulations based on the fact that they don't charge interest. I know that there were discussions about fixing that but haven't been following the topic in a while.
Like the other person, I also assume you meant lenders, not borrowers. Lenders WANT people that are terrible with their finances. Visa makes very little with me paying off my credit card in full every month, just some merchant fees. On the other hand plenty of Australians are in constant credit card debt and pay something like 18-22% interest on the money they borrow.
Good on the Dutch government to try and control that.
We both know that stuff will never be used again!
I think the answer is in your first sentence, personal finance literacy. At least in my case reading about it, learning the basics (six months expenses emergency fund, pay credit cards in full every month, invest in ETFs..) and understand other people's strategies is all it took. Hate to say it but I owe reddit one for all that knowledge.
Ah the person that complains they had to tap into their investments because you need to periodically get a new bed and redo your deck and can't save money. Yes I got downvoted for providing basic personal finance recommendations there!
I think the problem is a combination of the things you mention, and the fact that society is just normalising stupid spending, waste of resources and spending everything you earn, if not more.
When on reddit, I was active on personal finance subs. The amount of people asking for suggestions on how to improve their budget that didn't see anything wrong with 10-12 subscriptions for shows and music, on top of astronomic phone bills, eating out etc was crazy. At least they took the first step, wrote down their expenses, and were asking for help. The bed/deck guy was just pure madness.
Indeed, and once she deletes the bnpl app, she'll use credit cards to buy useless shit like she prolly did before.
I think me and you have been successfully clickbaited though, the journalist looked for such an extreme example to cause outrage, have the article linked on various aggregations, and be discussed.
Italy too, pretty much everyone that is know wears shoes indoors.
Australia, it's a bit more normal to ask if shoes should come off when visiting someone, as that might be their thing.
Not just america
I do take my shoes off now, but did not growing up
You are right, but you are going against the narrative of to this post, hence all the downvotes from the angry mob.
If you asked me who a prime time news anchor on 1980 would vote for, I would have no idea.
We are probably from different countries but I agree and interesting point.
So every time you have a couple new pics that you would upload to an online, album and share with your family/friends, you instead put them on a bunch of hard drives that cost 40 bucks each and post one to every contact?
Pretty sure bikes have serviced rural communities since well before cars were a thing
Sorry links to this reddit.com site don't seem to work here