first pass at least, im worried about this it would be oversimplifying but one could maybe tell a story of how everything that has happened in the last ten years is downstream of a breach in an implicit social contract that went down in 2008https://twitter.com/eigenrobot/status/1422384419122208769 …
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instead we just made it impossible to get a mortgage without an immaculate credit history and hella W-2 wages (I have applied for a mortgage as a self-employed engineer; it did not go Well.)
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