The World that WE Created Part two

I liked the idea of a whole series of blogs about the world that WE created, because we have done many positive and negative things, and it is interesting to observe these changes. So without further adieu, this is what I think about the world that WE created concerning  the evolution of what consider “socially acceptable”.

Alright. I have to admit to something first. I asked girls out on MSN as a teenager. Yeah, I admit it, and back then that wasn’t really a sign that you had swag, but boy have things changed. Now, not only is it “Socially acceptable” to ask someone out over Facebook, text, or instant messaging (of course it is still SUPER UNCOOL to break up using these methods), but also, internet dating has become something far bigger than any of us would have admitted even five years ago.

This is another world we built. Once again it is very accepting in this aspect. We don’t judge people for asking others out online or through messaging services anymore. What’s particular funny about this though is that something that was super uncool years ago is now pretty much everyone considers cool or just ‘whatever’ about it. I would be willing to bet that anyone reading this has asked someone out by means of one of the mentioned methods. It is amazing how rapidly socially popular things can change, just look at where fashion has been in the last thirty years for example, or go even fifty years back. Geographically that’s not a very long time, but holy smokes have things changed.

Back to my main point however, also notice how rapidly online dating services have changed recently and how much they have grown. Millions of people are using online dating, and eHarmony and others have their own commercials now for crying out loud! I just get sick of being told how they met over and over, they make a commercial too personal you know? Anyways, getting side tracked again. Millions of people are still using these sites and meeting significant others and it is astounding that this too is becoming “socially acceptable”.

This change of pace has me feeling even more hope for the future. Sure, more things will be uncool tomorrow, then maybe the next day it will be fine. Change can be good. This is something I wish to highlight through this series of Blogs. Despite all the bad in the world, we are also opening our minds to more things, and moving forward in what is considered socially acceptable, or socially unacceptable. Freedoms are becoming something we fight to protect, and isn’t that what life is all about? Now when I look back at my teenaged self, I don’t really consider that as uncool as I felt it was at the time, now I consider it a bit more like me being the start of a new outlook.

Credit Crisis.

In this day and age you are seen as a different entity if you do not have a credit card. But in the current economic state, I wonder why this still remains the case. Since credit cards came to be, they have been seen as a status symbol, ‘all the rich and powerful people have them so does that mean I can be rich and powerful if I have this piece of plastic?’ is something that might have been going through the mind of many people worldwide when credit cards were introduced to the world. Almost everyone I know my age has one, and almost all of them regret it. Not only that, it is BECAUSE of credit that we are in the economic crisis we are in today. People didn’t seem to understand that credit, though it is an invisible currency, it has real repercussions. This adds even more interest rates, where they charge extra to people who don’t even have the money. What does anybody get out of this situation? Well… I suppose bankruptcy, foreclosures, and ultimately the death of the American dream. To me the American Dream is the idea of a society where you can be what you want, and do what you want however you want, so long as you are not hurting yourself or others in the process. Ultimate freedom. The United States was founded on such beliefs, was it not? This is a universal ideal, freedom. What does freedom mean in a world with an invisible currency? Well, it simply does not exist. When people can be weighed down by invisible chains, they will never grow, though you cannot see the chains, it does not mean they are any less heavy. Credit can, and has destroyed new businesses, and businesses that have been around for a long time.  Just like the housing market, it pulled the proverbial carpet from under everyone’s feet, but very few were left standing.

Credit cards can come in handy from time to time. Perhaps your getting paid tomorrow but you have no money to eat tonight, just put it on the card and pay it off when you get paid. Perhaps your in college (like myself) and you need your text books but you can’t pay for all of them at the start of the semester. Put it on the card and pay for half one paycheque and half the next. In these ways, in precautionary ways, credit cards excel. I believe every student should have one, just in case of an emergency, and anyone who attends college knows from day one that these emergencies happen often. I applied for a credit card once, only to get declined. I didn’t understand because my credit rating was amazing, I have never missed a bill in my life, my whole family has a great track record. When I put more thought into it, I decided I didn’t really need one at the time, I’m sort of glad I didn’t re-apply. Though I am a student, I like the challenge of balancing paycheques. Also, scholarship money helps too.

Before, when, for example, a new film maker wanted to break out, he would borrow money. Maybe not just from one source, but likely a bank was involved at some time. Banks would give out loans, and add interest rates on the loan based on how much was borrowed, and how long it takes to pay it back. Credit cards are based on this ideal. Cheap, and easily accessible loaning of money, or credit. This seems innocent enough, only when everyone has these loaning devices, even the unemployed and the welfare lifers, something is wrong. Why are credit card companies loaning money to people who simply do not have it? Because they can charge interest? Perhaps they missed the lesson in grade 3 where anything multiplied by zero is still zero. In this case, you can’t go zero to hero either. As King Lear said in Act one to his daughter “Nothing will come of nothing”. All the current system of credit does before giving the cards out is they check the applicants current credit rating. For most people, it’s all downhill from there. Put yourself in debt, allow that debt to get additional charges on it, and watch yourself paying bill after bill for the rest of your life, not able to go anywhere because you had to have all those things that nobody needs. Maybe your wife goes shopping from time to time and spends a few hundred dollars, maybe you wanted a nice sports car. Capitalism is only a destructive force when you become careless enough to let it. Don’t be so hasty to point that finger, because it is all your fault.