You run by default, you hold shift to walk. Everyone knows that

Think of how stupid the average person is and now imagine how stupid they are if they are 5% less educated on average

Good for them for asserting their autonomy but basically the end affect is the opening plot of Idiocracy

Can someone tell this guy that enshittification doesn’t care if you’re a conservative or liberal and that Google sucks for everyone now?

I’m not meaning to disparage the other uses of hemp.

I’m not an expert in the uses of hemp for food but we already have the cultural palate and infrastructure for cornmeal and cornflour products, not so much for hempseed right now. If we had that back in the depression, maybe we would have subsidized hemp instead. Maybe attitudes could change in the future and we could shift to subsidizing hemp in the future. I know of a couple big hemp farms that have popped up near me, it’s possible. But it’s not feasible right now.

The corn subsidies are here for a purpose. To ensure that we maintain a surplus so that we can avoid mass food shortages if a natural disaster such as the dust bowl of the 1930s wipes out several years of harvests. Hemp can’t be used as a food source.

I’m talking about all types of credit, including a line of credit like a credit card. It’s unsecured so the rate is way higher. If you capped the rate on credit cards then people who are higher credit risk won’t be given credit.

People who are credit worthy get spammed with all sorts of credit card offers for low APR cards. With an high 700-800 credit score you could score a line of credit at 10% APR but you’d have to go to a bank or credit union to get it.

If you are credit worthy and lenders can give you 10% they will, because there is another lender out there that will give you 10% if you are good for it. If you are getting a 29% interest rate it’s because you are a default risk, it’s unsecured, a short term loan, or any combination of the 3.

Rates just don’t come out of thin air. It’s based off of risk. If you cap rates at 10% then the only people who will get credit at 10% are going to be wealthy people.

Interest caps mean that poor people just won’t get any credit at all.

You likely will see most small banks end their overdraft programs as they will have too many losses without a way to make it back up on the fee income. Then the community banks will lose customers to the Bank of America type mega banks leading to less competition and worse banking conditions.

And people who spend money they don’t have will still be charged fees. Instead people will get charged fees on the other end for writing bad checks or missing payments due to auto payments being rejected for non sufficient funds.