The American Eviction Crisis: Countdown to Doomsday

[Nobel Hobos 2]

Imagine how much harder it would be if you couldn't get a loan, and had to negotiate a system of payments with the previous owner of the house. They would only let you live there right away, if you paid rent. Then I guess the rent would gradually decrease as your ownership of the house increased. If it took as long as the typical home-loan takes to pay off, you'd be doing very well indeed if you paid overall less than twice the price you signed up for. You also wouldn't be able to modify the house without the original owner's permission.

Does this sound better to you, than the current system of taking out a loan to buy a house?

It sounds identical.

If it was better, for both buyer and vendor, don't you think people would do that instead of paying the bank their profit?

It does sound good for the buyer. So it's probably the vendor who would rather have all the money upfront and not be dependent on an income stream that could stop part way ... leaving them sharing ownership with someone.

Im super excited for houses to go on sale

Do you have that kind of money?

[Salandriagado]

Uh-huh. And what about people who lost their job and can't get another one? What about people who still have their job but on reduced hours and (of course) reduced pay?

You have too much work? How about you volunteer to go part time?

This falls under the “there’s no easy way to be fair to everyone” rule. Think about three groups of people:

1) Monitor and I, who are working our assses off.
2) People who are laid off and happy, making almost as much or as much as we are
3) People laid off and unhappy, furiously looking for work.

Any easy proposal to shore up 3, sans an infrastructure project to get them working, also helps 2, which irks 1 - because 1 is giving up something to get money, while 2 isn’t. This is unfair to 1. But cutting them out also impacts 3, who are acting in good faith.

UBI (temporary or otherwise) seems to cut that gordian knot fairly well.

[Unstoppable Empire of Doom]

It sounds identical.

If it was better, for both buyer and vendor, don't you think people would do that instead of paying the bank their profit?

It does sound good for the buyer. So it's probably the vendor who would rather have all the money upfront and not be dependent on an income stream that could stop part way ... leaving them sharing ownership with someone.

Im super excited for houses to go on sale

Do you have that kind of money?

Never said it was better. Just said it is similar.

Yes I do and I am going to buy when the prices come down.

[Ifreann]

Cancel mortgage along with rents and landlords will get to keep their homes, just like everyone else.

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Plainly you cannot, hence this thread.

How about a pandemic law where the banks are order to stop collecting debts? They can charge interest and maybe a fee.

Or just stop kicking people out of their houses ever.

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Cancel mortgage along with rents and landlords will get to keep their homes, just like everyone else.

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Plainly you cannot, hence this thread.

Enjoy reliving the 2008 crisis when the global economy nearly collapsed from doing something so monumentally stupid that we pay another trillion dollars to rescue the banks to prevent a global financial meltdown.

Or should we just let that happen this time? That would be no big deal right? As long as the healthcare system functions that's all the matters.

I have news for you if the global financial system collapsed the healthcare system would too.

So you want to force people out of their homes and leave them to die in the street just so that the bank can make some money off selling their house? I dunno, if banks need this kind of human misery to keep afloat then maybe they should all crash.

[Nobel Hobos 2]

If it was better, for both buyer and vendor, don't you think people would do that instead of paying the bank their profit?

It does sound good for the buyer. So it's probably the vendor who would rather have all the money upfront and not be dependent on an income stream that could stop part way ... leaving them sharing ownership with someone.



Do you have that kind of money?

Never said it was better. Just said it is similar.

Ultimately it IS a loan (loan of a house rather than money) but the problem is that loans between individuals, particularly without security, are more risky than a loan between a bank and an individual. Particularly when the debtor has possession of security: the house.

That said, it could work quite well between family members, or others with long-term reasons to trust each other. No-one has to take a loan at all, and the money saved between both parties, could be shared somehow.

[San Lumen]

How about a pandemic law where the banks are order to stop collecting debts? They can charge interest and maybe a fee.

Or just stop kicking people out of their houses ever.

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Enjoy reliving the 2008 crisis when the global economy nearly collapsed from doing something so monumentally stupid that we pay another trillion dollars to rescue the banks to prevent a global financial meltdown.

Or should we just let that happen this time? That would be no big deal right? As long as the healthcare system functions that's all the matters.

I have news for you if the global financial system collapsed the healthcare system would too.

So you want to force people out of their homes and leave them to die in the street just so that the bank can make some money off selling their house? I dunno, if banks need this kind of human misery to keep afloat then maybe they should all crash.

If the banks fail the global financial system collapses. The Great Depression would look like nothing. The pandemic would be minuscule compared to what comes after. There would be no healthcare system either.

[Ifreann]

Or just stop kicking people out of their houses ever.

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So you want to force people out of their homes and leave them to die in the street just so that the bank can make some money off selling their house? I dunno, if banks need this kind of human misery to keep afloat then maybe they should all crash.

If the banks fail the global financial system collapses. The Great Depression would look like nothing. The pandemic would be minuscule compared to what comes after. There would be no healthcare system either.

Mhmm, it really do be easier to imagine the end of the world than the end of capitalism.

[San Lumen]

If the banks fail the global financial system collapses. The Great Depression would look like nothing. The pandemic would be minuscule compared to what comes after. There would be no healthcare system either.

Mhmm, it really do be easier to imagine the end of the world than the end of capitalism.

The amount of misery and suffering that would come from your idea would br so destructive it’s a good thing your not in charge. You also said you’d shut everything down until there is a vaccine and wouldn’t care if the economy completely collapsed.

That only healthcare workers matter and every other business and industry doesn’t. With your ideas the healthcare system collapses too because if the economy collapses or the banks fail and people have no money and no insurance they can’t go to the hospital. Healthcare workers won’t able to pay their bills because they won’t have money either

[Nobel Hobos 2]

Or just stop kicking people out of their houses ever.

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So you want to force people out of their homes and leave them to die in the street just so that the bank can make some money off selling their house? I dunno, if banks need this kind of human misery to keep afloat then maybe they should all crash.

If the banks fail the global financial system collapses. The Great Depression would look like nothing. The pandemic would be minuscule compared to what comes after. There would be no healthcare system either.

Government already pays half the healthcare bill. They could double down on that.

Well I admit the money machine might break. It's already wearing out, there are public complaints that Jackson seems to be smiling.

[Ifreann]

Mhmm, it really do be easier to imagine the end of the world than the end of capitalism.

The amount of misery and suffering that would come from your idea would br so destructive it’s a good thing your not in charge. You also said you’d shut everything down until there is a vaccine and wouldn’t care if the economy completely collapsed.

You really are going to be mad about that forever, aren't you?

That only healthcare workers matter and every other business and industry doesn’t.

What?

[San Lumen]

The amount of misery and suffering that would come from your idea would br so destructive it’s a good thing your not in charge. You also said you’d shut everything down until there is a vaccine and wouldn’t care if the economy completely collapsed.

You really are going to be mad about that forever, aren't you?

That only healthcare workers matter and every other business and industry doesn’t.

What?

Your ideas would be far worse then any pandemic could ever do and would collapse the healthcare system too

[Ifreann]

You really are going to be mad about that forever, aren't you?


What?

Your ideas would be far worse then any pandemic could ever do and would collapse the healthcare system too

Are you trying to say that only healthcare workers matter? Or do you think that I believe that?

[San Lumen]

Your ideas would be far worse then any pandemic could ever do and would collapse the healthcare system too

Are you trying to say that only healthcare workers matter? Or do you think that I believe that?

No I’m not. But your plan would lead to the collapse of the global financial system. And your other plan would also collapse the economy and both would collapse the healthcare system too

[Ifreann]

Are you trying to say that only healthcare workers matter? Or do you think that I believe that?

No I’m not. But your plan would lead to the collapse of the global financial system.

Like I said, if the banks require that people be evicted then maybe we should collapse them.

And your other plan...

I'm not your boyfriend, you don't get to restart arguments from five months ago whenever you get mad at me.

[San Lumen]

No I’m not. But your plan would lead to the collapse of the global financial system.

Like I said, if the banks require that people be evicted then maybe we should collapse them.

And your other plan...

I'm not your boyfriend, you don't get to restart arguments from five months ago whenever you get mad at me.

It’s a good thing your not in charge. You clearly have no understanding of the consequences of what your advocating

[Ifreann]

Like I said, if the banks require that people be evicted then maybe we should collapse them.

I'm not your boyfriend, you don't get to restart arguments from five months ago whenever you get mad at me.

It’s a good thing your not in charge. You clearly have no understanding of the consequences of what your advocating

The consequences would be that there's no more homelessness. How awful! If people can't be threatened with homelessness then it'll be so much harder to exploit them.

[Galloism]

No I’m not. But your plan would lead to the collapse of the global financial system.

Like I said, if the banks require that people be evicted then maybe we should collapse them.

And your other plan...

I'm not your boyfriend, you don't get to restart arguments from five months ago whenever you get mad at me.

I’m using this line.

[San Lumen]

It’s a good thing your not in charge. You clearly have no understanding of the consequences of what your advocating

The consequences would be that there's no more homelessness. How awful! If people can't be threatened with homelessness then it'll be so much harder to exploit them.

You really think the banks failing would mean no more homelessness? Your beyond delusional.

[Ifreann]

The consequences would be that there's no more homelessness. How awful! If people can't be threatened with homelessness then it'll be so much harder to exploit them.

You really think the banks failing would mean no more homelessness? Your beyond delusional.

I think that guaranteeing people a right to a home would mean no more homelessness, and when I say that you cry and scream and yell that everything will be ruined forever.

[San Lumen]

You really think the banks failing would mean no more homelessness? Your beyond delusional.

I think that guaranteeing people a right to a home would mean no more homelessness, and when I say that you cry and scream and yell that everything will be ruined forever.

You didnt say that. You said we should cancel all rent and mortgages which means the banks fail. For what? Some ideological fantasy you have?

[Ifreann]

I think that guaranteeing people a right to a home would mean no more homelessness, and when I say that you cry and scream and yell that everything will be ruined forever.

You didnt say that. You said we should cancel all rent and mortgages

Which is how we will stop people from being evicted.

which means the banks fail. For what? Some ideological fantasy you have?

To stop people from fucking dying in the fucking streets, fucking obviously.

[San Lumen]

You didnt say that. You said we should cancel all rent and mortgages

Which is how we will stop people from being evicted.

which means the banks fail. For what? Some ideological fantasy you have?

To stop people from fucking dying in the fucking streets, fucking obviously.

the banks would fail and the global financial system would collapse. You'd bankrupt countless business and create even more homelessness and misery than any pandemic ever could.

But despite what any economic expert would tell you you'd deny it and say you know better.

[Ifreann]

Extremely confused that someone wants to help actual human people and doesn't care about non-human entities that exist only as paperwork, what could possibly motivate this bizarre behaviour?

[San Lumen]

Extremely confused that someone wants to help actual human people and doesn't care about non-human entities that exist only as paperwork, what could possibly motivate this bizarre behaviour?

have you been listening to what im saying? Your idea would completely destroy the global economy and a pandemic would be nothing compared to the misery it brings. But your too blinded by ideology to see that.

[Ifreann]

Which is how we will stop people from being evicted.

To stop people from fucking dying in the fucking streets, fucking obviously.

the banks would fail and the global financial system would collapse. You'd bankrupt countless business and create even more homelessness and misery than any pandemic ever could.

But despite what any economic expert would tell you you'd deny it and say you know better.

I would love to hear how you think there could possibly be more homelessness if we make it so that everyone gets a home. When it costs $0 to keep your house, what do you think would happen to make people homeless?