Speaking personally, my brain switches off when it comes to maths. Instruction is like white noise.

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“Man was born free, but everywhere is in chains.” -Rousseau

I totally agree with you. What I want is pie in the sky. Without regulation, nothing will change.

You asked for an alternative and I gave you one. You just aren’t happy at the idea that massive lenders can afford to make less.

And of course I’m motivated that it benefits me, and millions of ordinary people, what sort of psychopath wouldn’t be?

Mortgages are not a scam, I’ll give you that. But I’m pretty sure that anyone with a functional moral compass would recognise that usury is immoral.

Hardly. The market still exists, and lenders can still make a profit, just maybe not as much. It’s not rocket science.

Then someone else will take that lender’s place. Mortgage lending will, at whatever percentage, produce a stable rate of return. If anything, preventing exorbitant interest rates mitigates much of the risk involved in lending.

That’s not free. That’s just a less predatory rate of return.

I would further suggest that there is a hard cap on the interest which can be charged on any borrowing.

A mortgage where, for instance, 90% of each payment goes to repaying the capital of the mortgage, and 10% to the interest. There’s no way it’s fair that you should need to pay 2x the value of your house over 25 years.

Came here looking for WOT. Yup, it’s crap but i keep going back, largely because i don’t know how much gaming time I’ll have due to other stuff going on and each round is 15m max.

Hate the microtransactions, and some of the playerbase is pretty toxic.

Nope.

It sows distrust in authority, so that those people will listen to fringe voices. These fringe voices tend to be grifters, scamming the rubes.

Politically it’s a binary issue, no room for compromise. If you’re anti-vax, you’re voting for the Republican candidate, despite what the other guy might be offering. So, this locks in votes and also plays into the long term strategy of having an uneducated underclass incapable of critical thinking. This provides cannon fodder for the politicians, and low paid drones for the fat cats.