this post was submitted on 27 Dec 2025
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[โ€“] IronBird@lemmy.world 5 points 15 hours ago* (last edited 15 hours ago) (1 children)

nah, no lender gives a fuck about your financial situation, certainly not in america. bankstreet turned boom and bust investing into an science, nothing has changed there.

for the overwhelming majority of people all debt is a trap, for everyone else...it's still a trap, just a useful one.

[โ€“] uncouple9831@lemmy.zip 0 points 9 hours ago* (last edited 9 hours ago)

It's not really a trap, it's how our current society pools resources to make big things happen. Obviously you can make big things happen through authoritarian means (like pyramids) but in a less authoritarian society, which I think everyone except the lemmy ml folks would say is good, the way you make big things happen is through borrowing money at the lowest possible interest rate. There's a reason the fed rate is such a critical, newsworthy figure in our society -- not just for the us but for many countries.

That's not to say there's not a better way. It's also not to say that credit scores are particularly related. But it's not a trap.