I feel the urge to share this, and I know it will be used as fuel to rally hate in my general direction for years to come ... I guess I will write it and sorta hide it. I'll have said my piece.
Ten years ago I was walking in downtown missoula and a fella with a clipboard asked me to sign his petition. He was getting paid pretty good money to ask people to sign his petition - so I guess somebody, somewhere, was gonna
profit if this passed. The petition was to ban those payday loan places. He said they charged 100% interest and were, therefore, evil. His math was that you get the loan where you promise to pay it back in two weeks. But if you don't pay it back in two weeks, there are fees and fees and fees. His math decided to call the fees "interest". And when there was a small loan, the fees were relatively big, so it made the "interest" seem bigger.
I told the guy that if he felt that the interest rate was too high, couldn't he just open a business next door with lower interest and then the bad guys would go out of business? He didn't care - he was just paid to get signatures.
My first thought is that if you agree to pay somebody back in two weeks, it seems that is what you need to do. And for the 2% of the people where shit happens during the two weeks, then, yeah, it's gonna super suck. And if you let that shit compound for six months it will really suck. But you agreed to that suck.
If you don't want to get into that sort of suck, then don't do it. Of
course, now, you can't do it, because whoever was paying the clipboard guy got
enough signatures and then all the other things and now all of those businesses are forbidden in montana.
So now there are more laws about what people can and cannot do. All so that somebody, somewhere, could somehow profit.
I just think that there has to be a hundred more important things to sort out.
Today I learned that the missoula
city council wants to make restrictions on people renting out airbnb stuff. I kinda get the idea that they are thinking that there
should be fewer airbnbs so that there is more long term housing in missoula. I guess the problem they see is that so many people are making more money with airbnb than just regular renting that there are fewer places left to rent long term for missoula residents - and that pushes up rental prices. So if they find a way to restrict airbnb stuff, then more rentals will become available and rent prices will drop. I don't have a dog in this fight, just like I didn't have a dog in the other fight. It just seems like there is this weird, convoluted gyration to fiddle with things and make more laws so that somebody somewhere gets more candy. But really the issue is that missoula is suffering from a lot of love - a lot of people want to live here and visit here, so the price of everything is going up. I am utterly unqualified to say this: seems like there is a desire to build more. When there is more housing, people can do all the airbnb stuff they want and all the rental stuff they want.
I just think that there has to be a hundred more important things to sort out.
Decades ago I was fed
root beer floats by an old retired guy named George Frazier. That guy just super loved root beer floats. Long before he stuffed me full of root beer floats, he managed a shoddy apartment/hotel thing next to the river. Apparently, the cheapest places to rent in all of missoula. A bit rough around the edges. The city of missoula thought it was a bit too rough. They proposed that they tear down the rough and put something back up, in the same spot that was nicer and would continue to serve that same demographic - the people that looked for the very cheapest rent in all of missoula. So Mr. Frazier agreed - I suspect root beer floats were somehow involved in the final talks. The old was removed and ... well ... the city of missoula talked and talked and talked and talked and eventually forgot about it. So Mr. Frazier and his renters all got screwed.
I just think that there has to be a hundred more important things to sort out.
About the time of Mr. Frazier, I would read the daily paper, the Missoulian, every day. As I would learn about awful things I would think about what I could do. It seems like nearly everybody else I ever talked to would think about what the far away "they" SHOULD do. All of their solutions would be about persuading some politician or corporation into changing things for the masses.
I always like the approach where the masses would choose to do the good thing first and then governments and corporations would follow.
The sea of toxins we live in gets worse every year. I have become obsessed with documenting and sharing bits of information where if half the population did half the things I suggest (without sacrifice) it would solve most of these problems. The staggering rates of cancer and other ailments, climate change, wars over
energy, people having their lives destroyed so somebody can profit .... these thing seem more important than short term loan interest rates, the number of airbnbs vs long term rentals, or the unsightly homes by the river ... and when i try to share, people cannot hear it. A bit like oil and
water. Over and over and over again ... they are utterly certain that payday loans must be banned ... but learning 60 seconds of
rocket mass heater stuff is not possible.
Gardening, rocket mass heaters, wofati, willow feeders, forage
gardening, mulch pits ... gertitude ... SKIP ...
I'm not asking for laws to be made to force people to do this stuff. I just wish more people would be open to thinking about this stuff.