The Great RESET For the People.

 

The Great RESET

For the People.

Not for the big wigs, not for the fat cats, not for the uber rich, who, no matter where they are at, they have the skill and talent to pull themselves out of any hole that the govt might dig for them. (and if they don’t, they didn’t deserve to be there in the first place)

Sure, they’ll scream and shout, as they should, its part of human nature. 

We warn Society, the banks, ‘this is going to happen, you have no ability to stop it, the human race needs this to happen.

All credit cards are frozen. you can pay them down, but you can’t buy anything on them any more. No more personal credit. Its strangling society, it’s been strangling us since we invented it. Borrow tomorrow's money to buy stuff today. Steal from your tomorrow, and hope you have no ‘needs’ then? HA!

Next, we spin a wheel, of the top 5 banks. one takes the hit. everyone in that bank loses their jobs, all the money in that bank pays off the credit cards. clean slate. if its not enough, the next bank in the list does it, then the next, until eventually all debt is wiped out, and all the big money lenders are destroyed. All the debt those banks have? are distributed to the other banks : You get to survive? well sure, but you have to take on the debts of the one that died.

Let that stew for a month, then we start looking at the rest.

Car loans: If you car earns you money, that is a good investment. If not. repo, you do not want average Joe spending money he doesn’t have on a car he doesn’t ‘Need’. If he wants it, he buys it, no loans. save up. 

There are a few million university papers on why this is better, why saving for items, decreases the prices. people will willingly spend someone else’s money (including their own future self) on something they want, but will be reticent to spend their own money, now, unless they need it.

So the manufacturers will bring down their prices in order to sell their goods.

Then also, people will want goods that last longer, get their moneys worth.

So the manufacturers will ensure the goods have a longer shelf life.

Its a vicious cycle we’ve gotten into, ‘free money’ = poor decisions = cheap quality goods = throw away goods = new appliances every 2 years = constant trap of paying down debt from having to rebuy all your household appliances every 2 years, because nothing lasts anymore.

I still have a 1979 Westinghouse fridge that works. nothing past 1990 still works. It all dies, on purpose. we know they do this on purpose. They can sell everyone a new fridge every 5 years, even though we have the technology to make fridges last 50 years.

Do you see how we spiral the drain? How we need to correct?

The Last one is the Mortgage.

In Australia, housing prices have gotten far out of control, the rest of the world is up there, I don’t understand how Australia has it the worst other than this:

At some point in the late 90s and early 00s, we convinced ALL kids they needed a university education. Looking at the American system, we can see why this is a very bad idea. The lack of Trades people, with skill, is hurting.

If all our ‘smart’ kids go off to be office workers, and we leave the trades jobs for people who a) didn’t fit the schooling system (square pegs in round holes) b) didn’t have the socio economic ability to attend Uni, and chose not to, or rarer c) were not smart enough. They entered the trades.

Because of the negative connotation of being a tradesperson, the smart ones had to ‘dumb themselves down’ to fit in or move on to other jobs.

So the lack of skilled and smart tradespeople is rare.

Housing requires trades people, poorly skilled ones take more time to do the job, and make mistakes, which cost money. So, the building industry starting costing more. people demanded better skills, so the builders' unions started certifications. which cost money. lots of money.

Housing prices reflect the costs of building.

But, since prices were starting to go up in the 80s, people started doing their own work. this meant shoddy workmanship, which mean accidents which meant insurance costs, so those insurance guys got together with those unions, and now its illegal to do your own work in many areas.

So you HAVE to have licensed contractors, under a properly qualified builder. and the demand for that increases as more work needs to be done, and less qualified people to do it. 

Low supply, high demand = higher prices.

Long story short, trying to find builders to do your house in 2 years? = premium prices = everyone is doing it = higher prices.

For 1000s of years, people could build their own house to live in, staked out some unused land, built it over 3 months, more if you had friends & family. cost you 500 man hours. 

You used that shelter to survive and built a better house over the next year or two, 2000 man hours. 

Your kids used that shelter to ‘live’ and build a better house, but still was only 2000 man hours. 

Now, the average house requires a person 60,000 man hours. not because it ‘needs’ that much, but a 30 year mortgage is a lot of office work.

This is a hard pill to swallow. trying to reverse the whole mortgage industry is near impossible. people need a place to live to be able to go to work. they need running water, gas, electricity, on top of shelter from weather, and enclosed for warmth.

Halting Mortgages, forcing people to 'save' will take years, and the suffering for people to attempt this would create massive unrest and riots. Its not tenable. there is no replacement, Halting Car Loans means more people catching the bus until they save, reducing the bus 'costs per person' and increasing employment of transport workers, people can use the alternative. But halting New homes? where will the next generation live? with their parents? Who will be able to save enough to buy? and when?

Banks also, pay interest on accounts, based on money they earn on business loans and mortgages. Without mortgages, the pinch will be so much, storing money in a bank will be practically useless, and since now we've become so reliant on electronic banking,  how could we even consider this.

The Only Solution I see is recreating the building industry, allowing people to do courses, for free, online, so they can build their own house, for themselves. They can't sell it, they can't insure it, but they should not be blocked from building it. If you can build a decent house, following the rules, inspected to be sound, you can insure it and sell it. You can spend 20 years, adding, refining, tweaking, and making sure its compliant. it'll cost you man hours, and not much more.

People in Europe are building their own houses, properly, filming it on youtube, making enough money to help pay for the house, yet still build a house for $50k. You can't even get a single room renovation for $50k in Australia. I've had my bathroom, laundry, toilet and kitchen quotes to be renovated in a proper style, not cheap IKEA crap, (which by the way, an IKEA kitchen which will fall apart in 10 years, costs $10k) a Proper kitchen for $55k, a proper bathroom for $45k. Yet in France, my friend did an even bigger kitchen in the same style for $5k. wtf!?

So, once we can 'build' a 50k home, on (sadly this wont likely go down) $200k property on the edges of the nearby towns of a capital, the demand on those million dollar places will go down, then maybe in 50 years, things will settle to a more realistic 3x income prices.. 

Eh, maybe I'm dreaming. of the old days, after the WWII reset

IOS is Married, ANDROID is a player

This Article, I wrote, in 2017, but didn't publish for what ever reason, now with AI marrying us in deeper, I felt it more relevant, so I'm publishing the Original, then adding edits/notes at the end.

 Working around all these young kids arguing about which system is better, Apple or Google, Mac or PC, iOS or Android, reminds me when we were kids about if transformers or gobots.. after constant bickering and arguing, I think this old man noticed something in what they are on about...

Married or Single

For years, decades, centuries, young men (and probably women too) have argued about the freedom of being single vs the safety of being married, the loneliness of bachelorhood vs the depression of complacency. The construct of all arguments is looking at the flaws of the opposing view and the benefits of your own view, while ignoring the flaws in your own and benefits of the other, this is never going to stop, but what we can learn from it is understanding how to argue better.

IOS is being Married
Apple has been the bastion of safety, no viruses, Apps must be approved before going ahead, they have limited memory so as to ensure decent code, no chances of going outside of the protocols, but this means that things run smoothly, efficiently and rarely crash. This is great for the average user who just doesn't want their phone to explode or get bugs or have problems, users need a safety net, the knowledge that nothing is going to change.. except when change is needed, and a whole new phone comes out.. because a refresh to life is good for you.

[2026:] 

Marriage is like iOS.
Marriage is the bastion of monogamous relations, no viruses, Activities must be approved by both parties, but also society, before being engaged in, yes that might limit their choices and budget, either party must not engage in activities outside of the marriage, but this means that both parties, parents and children can rely on the marriage as a support structure to all, and society as a whole. This is great for the average citizen who wants to know their partner is not going to cheat on them, leave them alone with the kids, allow them to starve or be homeless. The female being on average more caring will be there for the emotional needs of the family, while the male, being more aloof will be able to fend of dangers, and bring home food. Things won't change, unless the female has a need for change, because society shows her new things she has to have, and society says is good for you.

[2026:]  

Both are more expensive in the long run.

reverse everything I said and you have Android..

Android is being Single

Android has the freedom to roam the marketplace for games you want, and even 'make your own', sure they're not specifically checked by the Android network, google play does a fair job of filtering out the common bad guys, but some get through, worse, so many Android games and even apps are filled with adverts, you think your getting a decent game, but the extra costs means you often have to abandon that awesome game, because it chews up all your time with ads. You can step outside the safer markets for those indie game, they are often free, but you have to be more scrupulous, you cannot trust the game isn't stealing your data, infecting you with viruses, infecting your contacts lists. 

Being Single, can be like Android

Here the Analogy breaks down a little, [but only if you've never travelled]. Google play is a safe-ish environment, you have a fair understanding of the rules of engagement at a bar or club, safety requirements when you first get intimate, your relationship progresses enough you drop your guard to allow them into your heart, and if they are decent, you progress, and if they are not, they take advantage of you and break your heart, you break up, and have to look all over again. The main problem is, modern feminism has spoiled so many middle aged and young women into thinking they deserve everything and don't need to do anything in return, this is like adverts in games. The constant requirement to re-run the relationship, through a ringer, just to keep it going.

[2026:] iOS: Now, with AI in your phones, tracking your every move, its like the partner has lost trust in you, and is installing monitoring programs, to make sure you don't cheat, in which I mean, cheat on your preferred shopping, and by that I mean 'their' preferred shopping. You must buy apple and apple approved fridges, gadgets, pets, insurance, etc etc.. its worse than being married, 

Can I say, Feminism is to relationships, like the enshittifcation bill, the DMCA 1201 is to modern devices?

Now, interestingly, if you travel, outside of google into the realms of SDKs, and in real life, into other countries and cultures, (as I have, clocked 44 countries to date) you come across some very VERY different concepts.

In Games and Apps, you can find.. get this.. games which have NO ads. No payment expected, its a working app that does what it says, without fail. JUST, some of them do it to mine your data, some, do it because the developer is an awesome person, some do it to impersonate your phone, take out loans in your name, and infect your friends with the same virus, from your phone list. For these apps, you HAVE to be careful, due your homework, due diligence. 

The same for girlfriends and brides from other countries.. in some countries, the girlfriends culture expects the man to provide, not just for her, but her whole family. If you marry into her life, you better check her brothers and cousins.

I know guys who bought a nice house, the family came to help paint, clean, sort, transport goods, help buy furniture, 2 beds, 3 beds, more, suddenly the guy has a house of 9 people, and it was supposed to be his retirement home. they chewed through half of his retirement fund before he got wise.   

But, if you go to the right countries, learn the language, the culture, you can find the most wise, most gentle and kind partners, that know how to be an equal half, how to make your life wonderful either by caring for you, or creating a caring environment, supporting each other. In these places YOU are the virus, that needs to clean your attitude up, be a better person, you don't deserve this god/goddess, so you better do better for him/her now.

I heart a funny joke in this vein:

The Perfect Life, Australian/American Man, Russian Woman, English Cottage, European Food (insert Spanish, French, German, Italian for your flavour)

Hell: Russian Man, American/Australian Woman, European Apartment, English Food.

This was told to me in the late 10s and was even then slowly becoming irrelevant as more American men were getting weaker in nature, and now Australia too, Also, I think this discounts cities, as human nature in a city is worse by all accounts.

Explaining jokes sux, but if you didn't 'get' it:

Imagine a Rugged Australian Man who treats women with respect, vs a Rough Russian Man who drinks his paycheck away and abuses women.
Imagine a Beautiful Country Russian women, who treats her husband with respect, vs a Fem-nazi American Women who expects everything, and gives nothing.
Imagine a beautiful English Countryside, a thatched roofed cottage, flowers in the garden, hens in the backyard, gorgeous painted windows and doors, vs a conformity grey apartment, down a smelly side street, 4 floors above 16 neighbours, at least someone arguing loudly somewhere in the building every day.
Imagine, All the delights of seafood, pasta, carefully prepared meals, time taken to prepare, eat, drink wine, enjoy friends, vs the English sausages and Mash potatoes, seated at the table, quietly eating.