If you don’t change the economic system then you’ll just run into exactly the same problems as we already have. The one year term elected officials will be handed pre-written legislation by corporations, they’ll be heavily incentivized to pass it, if they don’t it’ll be a short turn around before the people with Capital can try again, and if they instead try to pass their own legislation that Capital doesn’t approve of it they’ll get the next person to undo it.
I’m in a job that’s good enough that I may be able to buy or build a small house of my own in the near future - but first I have to wait for everyone who is currently selling their houses to panic for no reason in particular, plummeting prices, kicking people out of homes they’ve lived in for a decade or more, and causing all kinds of mayhem. And then when I get a place of my own I’ll be subject to this absurdity directly every five to ten years like clockwork!
BRICS+ is announcing payback time for a few millenia
ehhhh I don’t think this is remotely true. Literally every single country in BRICS is still trying to maintain good relations with the US, the main thing China wants to do is create an alternative to the US-centric global trade network and the main benefit this brings to other countries is that they can’t be sanctioned as easily. “Payback time” won’t happen unless a majority of the world signs on and they all agree to sanction the US and Europe (which would be hilarious but is never gonna happen).
D&D 3.5 got me into both kinds of gaming. I remember me and some of my friends wanting to play it, and I remember tracing characters from the dot hack manga for our character sheets and playing the starter set. Later on I found out my friend had an old computer in his house (I think it was an Apple II?) and one of the Gold Box D&D games, and that ended up being the first computer game I spent a ton of time playing. Before then I had played SNES and Genesis a bit but they weren’t really a focus for me at that point, but then when I got Morrowind I was fully bought in to video games too.
Hexbear has so many good ones, I’m quite fond of 
& 
But I also grew up on Battle.net playing Starcraft, so I often resort to kirbys. t(" t) (> ")> <(^o^)> (g ")–o
sovietsteeds.com It’s a really niche forum that was made in the distant past and then stubbornly refused to change, much like the motorcycles they drive.
I think a basic insurance pool makes sense, but big insurance companies are quite far removed from being basic insurance pools. The whole industry exists to get people to sign up for policies they don’t need, deny coverage to people to who need policies, and when someone actually makes a claim to find any and all possible ways to deny it.
Land enclosure. Screwed everything up for everyone stg
Microtransactions in video games. Remember when everyone got pissed over horse armor?
Trading Card Games. The whole trading card thing is about psychologically manipulating you into buying shit you don’t need, shoulda been stamped out as soon as cigarette companies started doing it, but if you think about it the ideal capitalist institution sells you literally nothing and selling people heavy paper with little pictures on it is damn close to that ideal.
Software. Should be free, isn’t. Blame Bill Gates.
Advertising. We all know about propaganda (even though we might disagree on what is and isn’t propaganda at times) and we all know it’s bad, but we literally let rich people propagandize us every single day in every single orifice.
As a kid I had to choose between FFXI and Star Wars Galaxies - and then Planetside came out!
I had a lot of good times in those games but switching between them month to month because I could only afford one at a time gave me a pretty healthy aversion to subscriptions before I got out of middle school. The only subscription service I’ve ever had was YouTube Red when it first came out because I was interested in a couple of the shows, but they all sucked so now I’m back down to just one subscription (FF14) unless you count car payments and my cell phone plan.
edit: oh wait I’ve also subbed to Disco+ for battlebots, but that was only because whoever was uploading them to 1337x stopped doing it which was a shame.
As far as fictional societies to live in goes it’s hard to beat an optimistic sci fi setting lmao.
Although I might choose the Ascian civilization from FF14, as long as it’s before the Final Days. Eternal life and post scarcity powered by magic, and the way most people self actualize is by literally creating life like gods. If it’s early enough I would travel to other planets myself and possibly avert the apocalypse altogether.
You may have resources available to you that you’re not even aware of.
How’s your credit? My credit card is basically my emergency fund - it’s not the best plan but it’s way better than getting surprised and having to take an emergency loan. If you’re currently spending about as much as you make, you can build your credit by putting things on the card and paying it back from your bank account and slowly extend that limit or eventually open up a second account - just don’t fall into the trap of spending more than you make, or you’ll wake up one day exactly where you are now but with debt.
Are you using social services? Only something like a third of people who qualify for food stamps in America actually use them, depending on the state/country you’re in you could be a couple government forms away from getting a few hundred for groceries every month, and if you put in the effort to use it that’s as good as money in your account. There’s also stuff like food banks - the one I volunteer at doesn’t do anything to verify the identities or qualifications of whoever comes by, you’ll just get handed a box or a couple bags with cereal and canned goods and shit.
Is it possible to upgrade your employment situation? Search for jobs even if you already have one - you’re not on the hook until you sign the piece of paper, and you don’t owe your current workplace a two weeks’ notice either so tell them your availability is “immediate”. A lot of technical jobs especially are willing to train and just want someone with a clean background who will show up on time, and depending on your already-existing education/certifications you might be able to do contract work using a site like field nation to get gigs.