Yes, there are survival necessities ie. food, water, shelter. But in modern society, we can add Internet, phone, car (depending on where you live) or bus pass etc, and probably tuition for at least a bachelor's degree.

If you want to buy a boat or some shit, then sure, you should have to take out a loan.

[–] Yondoza@sh.itjust.works 5 points 11 months ago (1 children)

Love your optimism, but "making things affordable" is not a valid plan for managing resources. It provides a goal without a solution.

Are you suggesting price fixing? That has a lot of associated outcomes that typically cause worse situations than doing nothing.

You can introduce a guaranteed buyer at fixed price points which alleviate some of the negative consequences, but add others.

These are not simple problems. The reason these problems exist isn't solely because "rich and powerful people are evil" as nice as that would be. These problems still exist because they're complicated and 'one size fits all' solutions haven't been found for them.

[–] Gabu@lemmy.ml 0 points 11 months ago (1 children)

The obvious solution is to dismantle capitalism and destroy anyone that gets in the way.

[–] Yondoza@sh.itjust.works 3 points 11 months ago (1 children)

Again, love the lofty goal you're setting, but you pretty blatantly don't mention an alternative system. Easy to point out a problem, much harder to build a real solution.

The funny thing is, capitalism happened organically. It wasn't a designed system. So dismantling capitalism without a solid replacement will likely just lead right back to capitalism.

[–] OurToothbrush@lemmy.ml -4 points 11 months ago

The funny thing is, capitalism happened organically. It wasn’t a designed system. So dismantling capitalism without a solid replacement will likely just lead right back to capitalism.

March of history. When material conditions are right you transition from feudalism to capitalism. When material conditions build up further, you get the transition to socialism and then communism.

[–] Ookami38@sh.itjust.works 0 points 11 months ago

I think a better goal may be to make plans affordable. Loans are a valuable tool, if they're at a decent rate, so restructure them. Interest never compounds. Rates have to be reasonable. Payments always come out of principle, with interest tacked on and paid at the end of the loan's life. It's also a reeeeeeally hard task to say just "make things affordable"