this post was submitted on 30 Jan 2024
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The only reason I'm hesitant to call it theft is because those giant credit companies make money off of their loan shark cards
Edit: Oh boy, I made a hot take! Theft assumes that a person had a right to something to begin with. Shoplifting from Walmart is morally acceptable, it's cool to make credit cards with an alias and not pay it back, and all cops are bastards. Just don't expect to get away without consequences.
How is one action related to the other? This isn’t some Robin Hood type of person stealing from the big bad corporation to feed other people. It’s just a fraudster who somehow thinks they are entitled to this money.
Sometimes people do the right thing for the wrong reason. It's based and cool to fuck over a credit company. The problem is that sovcit believe they can participate in the system and be absolved of consequences, and because they don't understand anything about modern sociopolitical trends they often do a bunch of stupid shit like trying to pay their loans with "coupons".
Yeah, the sovcit isn't being based and cool fucking over the credit company. The credit company shrugs, does everything they can to ruin the sovcit financial standing in response, and then proceeds to just grab a bit more cash from the other cardholders to cover any losses. The credit company will make sure it is whole either way.
I mean, it legally IS theft, well, fraud technically. The company 100% deserving it doesn't change that fact lol.
I get you. I have no love for those banks, but the surprised Pikachu face on Sovcits when the magic coupon doesn't work is just embarrassing.
Tbf, it's also hilarious! Every time they can't get away with their libertarian nonsense, I get a little happier
It's not so much about white knighting for the multibillion dollar company. It's recognizing that any cash the sovcit manages to make multibillion dollar company lose will just have that company pull it out of the pockets of the people that do pay their bills. So trying to claim that sovcit has any vaguely moral high ground in sticking it to those credit card companies is ridiculous.
This relies on the assumption that credit card companies are not already extracting as much value as they can from those bill payers. If they thought they could get away with raising rates on people without turning enough away to make it a net loss, it seems to me that they would have already.