I know *a lot* of culturally and intellectually secular people who are adopting religion just to have some semblance of a safety net built on being seen, understood and cared for as an individual rather than just being a diligent taxpayer or someone who constantly upskillshttps://twitter.com/HelloShreyas/status/1287522332890865665 …
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Volunteerism is typically pretty good for people and a lot closer to the mark, but it still relies on a very clear persisting distinction between "helper" and "helped" that doesn't seem to be so readily salient in the healthiest families/friendships/microcommunities
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People seem a lot better off when the ways they give help and receive help are fluid and generally nonmonetary, such that they don't have to allow themselves to be bilked by consistent game-players or feel like they're a "drain" on some system themselves
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Disclaimer: most things/services that people need can be bought with money. Trade is not bad. Money is not bad. Donating money is not bad. It's very good! I just think a lot of people are running up against the challenges of overly explicitly/scalably organizing social primates
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Every movement has (and always has had) grifters who do little else but siphon useful resources for the cause into their own pockets. GoFundMe has given them a ton more reach and lets them do even more harm.
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Donations that may have previously gone to large organizations to advance a cause now go to individuals who have been harmed. Some of this has been great, as you mention, as those people often just got left out before, but leads to bad actors taking a larger slice of the pie.
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