h a l f b a k e r yOn the one hand, true. On the other hand, bollocks.
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This would have to be mandated by law because the
credit
card companies won't do this themselves.
Slogans like "Debt Is Slavery" or "While You Get Poorer,
You're Making The Rich Richer", and graphic
representations like a picture of a person in bondage,
stooped back carrying a cigar chomping
Monopoly man
on
his back, the top hat wearing bad guy laughing and
holding
a bag of money up over his head. (The bag of money
signified by a dollar sign on the side of course.)
Got the idea by the credit card in my wallet that I try to
never use that's called the Chase "Freedom" card.
Credit is necessary sometimes, started my first business
with a stack of credit cards, but it can, and does ruin
lives.
Although government doesn't hold as many solutions to
life's problems as the politicians would lead you to
believe,
the cigarette cancer pictures and this are one area
where
a harmless little reminder law could be a good thing.
You could have each message punctuated by a skull and
crossbones logo where the eyes are money signs and the
bones are skull arms holding money bags labeled
"CREDIT". Give it a top-hat too that says. "28%".
Stuff like this:
https://www.google....st=1553951330164688
[doctorremulac3, Mar 29 2019]
[link]
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Companies engaged in consumer facing lending / credit activities are in the UK required by the Financial Conduct Authority to provide information and warnings about lending. I'd be surprised if there wasn't a similar set of requirements for the same sort of activities in the US. |
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OH yea, we've got the fine print disclaimers at the end of
ads showing young people having a great time on credit. Not
saying that using credit makes you beautiful and happy, but
just look at these hip fun havin' travelers! |
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Same thing they used to have with cigarettes, fine print
nobody reads. |
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// Marketing products depicting low life scum is big business.// |
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<Googles for "Jeremy Corbyn arse-scratcher" /> |
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// provide information and warnings about lending // |
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"If you borrow money today, you will have to pay back a lot more than you borrowed in the future" ? |
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Do governments ever read warnings like that ? Ever? |
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No, but since the more appropriate warning on
government spending would be the one below, I don't
think it would do much good: |
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"Warning, running up tax payer debt for something that
garners you acclaim that won't have to be paid for till
after you retire from office a multi millionaire can lead to
prestige, personal wealth and millions of sycophantic
followers." |
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// This would have to be mandated by law because the credit card companies won't do this themselves. // |
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Have you heard that Apple just the other day launched a credit card (made of titanium) intended to "help people lead healthier financial lives"? (No, I didn't believe it at first either.) It doesn't do this, but it does do other stuff like help you pay off your credit card debt with minimal interest (i.e. the opposite of what every other credit card provider does). It's only available to iPhone users in the US currently, so it's not going to directly help most people, but I'm hoping it will put pressure on other companies to provide similar things that will help more people. |
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Well that might be a step in the right direction but people
shouldn't get in debt for anything other than a house if at
all possible in my opinion. |
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Addiction to anything be it a substance or a financially
un-tenable lifestyle is a bad thing. Heroin, donuts, donuts
with heroin in them... |
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Addictions are a bad thing. Unless it's coffee. Coffee is
good. |
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I am unable to find a flaw in this idea. |
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Sadly, that tells us more about your capability for critical thinking than the quality of the concept ... |
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Where would these warnings appear? On the little you-pay-
this-much screen at checkout, on your statement or perhaps
on the card itself? |
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I was just thinking of having something
prominantely printed on the card itself but that's a
good idea. All three. There would be no such warning on
your ATM card
of course, and at some point there might be a bit
of embarrasment that goes along with buying
somethign on credit. |
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Art idea 3: A cigar chomping, top hat wearing pig
clutching two bags marked "Your Hard Earned
Money". Not sure how you clutch stuff with hooves
though. Too bad rich people don't wear top hats any
more.
They dress casually to fit in, sneaky bastards. But
seriously, rich people who made their own
fortunes are awesome, I'm just capping on the
autocratic money/political class that makes its
living saddling people with debt. |
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Don't have anything against top hats either. They're
actually kind of cool. I also like pigs. |
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// Where would these warnings appear? // |
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Maybe the baliffs could read them out to you when they csll to take your stuff away? |
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