I read this question and immediately started craving a diet coke lol

Right I feel like you’re all missing my point, I probably didn’t explain my thought process well.

The premise is that: giving out loans involves risk. To make the risk worth while, the lender needs more upside(higher rate). The more unknowns, the more risk, thus higher rates. My logic is that if lenders had more information then they would be better positioned to evaluate risk, thus borrowing could become less expensive for people that are less risky. This is due to competition between lenders for customers. On that, based on friends getting mortgages recently, it does actually feel like there is a decent amount of competition that space specifically.

I will admit that in one of the other threads someone linked to a study that proves this wrong for medical debt specifically.

Thanks for the link! Yeah it does seem like my understanding is incorrect here “CFPB’s research reveals that a medical bill on a person’s credit report is a poor predictor of whether they will repay a loan,”

My argument is a purely logic based one. Lenders make money by giving out loans, so it’s against their interest to deny loans to people which are capable of repaying them.

So the finding is a bit surprising, but willing to admit I’m wrong here :)

I’m sure if they could get that info it would be on there. Seems like it would be useful for loan decisions.

It is real debt in the sense that you have an obligation to pay it back. Sure, you don’t have a choice to take it, but that doesn’t mean it won’t effect your finances.

At the risk of being downvoted to hell. I agree. This rule never made sense as medical debt is a real thing and it does impact someone’s ability to pay back a loan. The banks were never going to eat this cost, they were going to spread it to everyone else. The real problem is the cost of the medical care and with insurance. This is just something that sounded nice to the dem base.

It SLAMMED

Garmin would work and isn’t iOS or Android based

I would pay for AI for personal use. But TBH the free models are more than enough for my needs already, so there’s no reason to pay for something more advanced. Also, often these “more advanced” models are slower. I’d take speed over some wall of text that takes a while.

We’re in the SliceLine era of AI. Enjoy it while it lasts.

You don’t really have a choice

Yeah until one of them wins

Is it just me, or is that an odd way to refer to anyone in a professional setting.

Imagine calling your boss daddy by accident and how embarrassing it would be lol

Those would look great in Bellevue

I don’t think it’s fair to say that it’s only an economic issue. Plenty of well off couples, some I personally know, could easily afford kids and just don’t want them.

Store a jpg of the country’s flag as binary

Pretty easy yes for me.

In both cases he’s free, I’d rather the truth come out.

Yeah with your own player and format you could do whatever you want

I probably wouldn’t for a while. I’d try my best to blend in and work my way into a position of power using all my knowledge. With the rise in education and general knowledge shared today, just knowing so much might even be a giveaway…so I’d have to be careful. Then id try to make the world a better place. But in the end it would probably be worse off via some unintended consequences.

Or create an electric turbine and motor with some copper and magnets, then show it to some guy in a bar and say I’m from the future.

Anarchy!

Yeah TBH I actually agree with a lot of your points but I still feel like you’re over simplifying this. The pre 1980s mental health institution had a whole other set of problems as well.