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MorlockP's profile
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
@MorlockP

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ⓘ Dogs don't have thumbs

@MorlockP

Two-time Prometheus award-winning hard science fiction author. https://www.amazon.com/dp/B005JPPMS6  Learn how to homestead https://www.amazon.com/dp/B093BC3K1T 

Aristillus Crater, Luna
amazon.com/dp/B005JPPMS6
Joined June 2012

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    1. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019

      ⓘ Dogs don't have thumbs Retweeted Aetius

      This is defeatist. You can pay off your student loans (I did) and your mortgage (I did). You don't need a smart phone or a phone plan (I have neither) or netflix (also don't have it). Don't accept "the world mandates that I do X" ; create your own path.https://twitter.com/AetiusRF/status/1121162094320259077 …

      ⓘ Dogs don't have thumbs added,

      Aetius @AetiusRF
      Mortgages, iPhones, student loans, Netflix To be a westerner these days means you’re on a permanent subscription and payment plan until you die
      11 replies 6 retweets 62 likes
      Show this thread
    2. Emily Elephant‏ @ee_elephant 25 Apr 2019
      Replying to @MorlockP

      Before you could get everything on credit, you had to save for stuff or go without. Maybe that was morally better, maybe not, but now you have three choices instead of two. How is this worse, exactly?

      1 reply 0 retweets 1 like
    3. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @ee_elephant

      I agree with you! I defend credit as a good thing; it creates more choices. I just attack people who say that choices are bad.

      3 replies 0 retweets 3 likes
    4.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
      Replying to @MorlockP @ee_elephant

      The only aspect of credit that isn't a good thing is the hidden inflation of the money supply caused by fractional reserve banking, which is going right into the pockets of bankers at the expense of everyone else. Credit ought to be lent by people who have money to lend.

      2 replies 0 retweets 0 likes
    5. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @The_Petrichory @ee_elephant

      > Credit ought to be lent by people who have money to lend. That's exactly what happens. Without someone depositing cash, no money is lent. > the hidden inflation of the money supply it's not hidden and it's not bad

      1 reply 0 retweets 0 likes
    6.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
      Replying to @MorlockP @ee_elephant

      Not with fractional reserve banking. Banks lend money to other banks in a shell game, accumulating interest on every transaction. That inflation is hidden to consumers who have no idea the money in their wallets is losing value due to something bankers do among themselves.

      1 reply 0 retweets 0 likes
    7.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
      Replying to @The_Petrichory @MorlockP @ee_elephant

      It's easier than running printing presses because all the "money" is on balance sheets. Digital monopoly money, which they can use to transfer wealth from a country to themselves. That money was not printed to represent the growth of real wealth in the economy. It's theft.

      1 reply 0 retweets 0 likes
    8. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @The_Petrichory @ee_elephant

      when the money gets paid back the inflation reverses bank loans are typically overnight, if at all the "inflation" doesn't exist even in regular fractional reserve banking (I deposit $100), there's no price inflation because when you borrow $70, you can buy goods but I can't

      1 reply 0 retweets 0 likes
    9.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
      Replying to @MorlockP @ee_elephant

      Except when the central bank comes in and pays off bad debts to avoid defaults and lowers interest artificially. Lend as much as you want (as long as you don't get too greedy and cause a total collapse) and someone else (literally everyone else) pays for any "mistakes" made.

      2 replies 0 retweets 0 likes
      ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @The_Petrichory @ee_elephant

      you've moved the goal posts from "fractional reserve banking is bad" to "bailouts are bad" I agree with the latter

      8:12 AM - 25 Apr 2019
      2 replies 0 retweets 0 likes
        1. New conversation
        2. Prometheus 2.1‏ @wraithburn 25 Apr 2019
          Replying to @MorlockP @The_Petrichory @ee_elephant

          Bailouts are an interesting subject historically. I don't think I agree with everything Hudson says in this interview, but it gives a perspective I hadn't heard before.http://www.unz.com/mhudson/the-delphic-oracle-was-their-davos/ …

          1 reply 0 retweets 0 likes
        3.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
          Replying to @wraithburn @MorlockP @ee_elephant

          At least in historical banking (before centralization and the advent of "money" mostly held as numbers on balance sheets), when you owed interest it had to be repaid in some commodity (copper, silver, gold, etc.) that was deflationary. Now a CB just types in some numbers. Poof!

          1 reply 0 retweets 1 like
        4. Show replies
        1. New conversation
        2.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
          Replying to @MorlockP @ee_elephant

          That's what fractional reserve banking *is*. It's a system of (usually) tiny bailouts and "adjustments" to inflate the money supply so banks can stay in operation. This perversely incentivizes making bad loans as a matter of course, because someone else always foots the bill.

          2 replies 0 retweets 0 likes
        3.  🍂 The Pectrichory  🍄‏ @The_Petrichory 25 Apr 2019
          Replying to @The_Petrichory @MorlockP @ee_elephant

          Only occasionally does it get to be so big that they can't hide what happened.

          0 replies 0 retweets 0 likes
        4. End of conversation

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