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there's a lot going on in this analysis
first, there's the @Chris_arnade style observation that maybe a certain level of banking is appropriate for DINKs with a vacation house, a 401(k), and life insurance ...but that doesn't mean that Joe Bob and Shaniqua want or need same
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3/ ...and the upper middle class think tank employees who have their panties in a knot are, perhaps, doing that old fashioned "colonizing" / "improving" / temperance movement / etc thing where they are lecturing their inferiors on how to be more like ... them
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4/ ...but, also, any time you see talking heads pontificating that "we" are not doing enough "X", pause and consider how "X" got on the list of talking points. The plates are not flying across the room bc of a poltergeist. Someone threw them,
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5/ Every time you read an article about how "America's crumbling infrastructure" needs "more investment", you should think about the baptists and bootleggers behind it: construction companies and unions.
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6/ ...and every time you hear about how "we" need to do more to "serve" the "underbanked", you need to think about who stands to benefit if more banking services are mandated / subsidizes.
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7/ I know, I know, it's CRAZY TALK to suggest that Big Capital has the ear of government and might possibly suggest that,,, /exeunt
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Honest question here: are there actual examples of people who are being deliberately excluded from the banking system? Is this a real thing in 2021? All the banks I know seem hungry for customers.
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Which would imply that if people aren't using banks, it's because they just don't want to.
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