Crony capitalism will always lead to socialism
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I've seen some of these on youtube they are insidious.
They get around max rate laws by offering 0% rate but with a "processing fee" that gets immediately deducted from the loan amount and equates to massive interest in and of itself. Then they ask for a "tip", a tiny fraction of which gets donated to charity. Missing a payment makes things far worse and people end up in debt to multiple of them at the same time. No credit check!
I don't know how people who come up with this shit can possibly live with themselves.
Reminds me of when I read my water bill. They charge for water usage and waste disposal, then they nickel and dime me six or seven ways with garbage like a maintenance fee, city fee, zone fee, disposal fee, environmental fee...
I am in the same boat, fees and taxes jack my minimal water & sewage bill up to $90+ a month.
Public works has been a traditional vehicle for graft and corruption for millennia. Hell, it is a near certainty that someone was grafting off the construction of the pyramids in ancient Egypt.
Then they promote water conservation.
Followed by raising sanitation water levies when water usage rates go down.