• Private health insurance is the biggest fucking scam ever. The private insurance companies benefit by getting the aggregate healthiest population into their plans (working adults). The most likely to be expensive people, i.e. old people (on medicare) or poor people (on medicaid, or not even on an insurance plan) are on government, tax payer insurance plans. There is literally no reason except for corporate profiteering that Medicare should not be expanded to cover all people.

    Also all those conversations, especially in the 2020 election period, were totally bullshit. You say something like M4A will cost 44 trillion dollars or whatever, which sounds like an insane amount of money. What is often left out of the discussion is that estimated cost was 1) over 10 years and 2) has to be weighed against the current costs we already pay for insurance. So the deal was very simple: the overall costs would go down because the overall spending would be less, and at the same time millions of people without coverage would be covered, and at the same time you don’t have to contemplate stupid bullshit like in network, out of network providers. Or ever again talk to your insurance about why something is or isn’t covered. Boils my blood when I think too much about this.

    Not even gonna weigh in on things like how medicare can’t negotiate prescription drug prices (https://www.nytimes.com/2023/07/23/us/politics/medicare-drug-price-negotiations-lawsuits.html), or how dental, vision, and hearing are treated separately from general healthcare, or how med school is prohibitively expensive, or how the residents after med school are overworked because the guy who institutionalize that practice was literally a cokehead. Those are all just bonus topics. The point is we are getting fleeced.

    •  Dark Arc   ( @Dark_Arc@social.packetloss.gg ) 
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      Private insurance (for the average person) in general is dumb. We have a collective need to insure various things against disaster, and realistically the federal government shells out huge amounts for most disasters anyways (after the so called insurance companies go bankrupt).

      So why the heck are we paying a premium for all of the overhead of the insurance companies?! It’s this massive inefficient system that doesn’t work, while the “government as insurance” system works great, and doesn’t require nearly as much overhead. There’s no room for private sector insurance to inovate, because there’s nothing to inovate on; IMO, the private insurance industry contributes nothing of value to society except jobs that it pays for by forcing everyone to engage with it.

      The insurance industry in general is betting you’ll be fine, and you’re betting “maybe I won’t.” It’s extra bad for medicine because they stick their head even into the small stuff, not just “I need a 10,000 unexpected hospital bill covered.”

  • The stock market and publicly traded companies. The idea that a business that is making consistent profits isn’t good unless those profits are increased each quarter is asinine. This system of shortsighted hyper focus on short term quarterly growth for the sake of growth is the cause of so much pain and suffering in the world. Even companies with amazing financials will work to push workers compensation down, cut corners and exploit loopholes to make sure their profits are always growing. Consistent large profits aren’t good enough.

    • Instapot. Instapot made too good of a product, most people buy one and its good for years. That’s good for consumers but terrible for investors. The company that bought them out and took them public saddled them with a ton of debt from other sectors and now they’re bankrupt.

  •  1984   ( @1984@lemmy.today ) 
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    Subscriptions.

    People pay every month but most don’t use the sub to it’s full value, and forget how expensive it becomes over the years. And you don’t own anything on a subscription, you just borrow it.

    Also trial periods that prolong automatically into subscriptions.

    • Unregulated capitalism imo. I don’t buy the idea I’ve seen around here that capitalism itself is the problem and switching to communism would solve all the problems. Both are systems that have merit, but when left unchecked all the power and money will go to the few, like we have now.

      •  Nevoic   ( @Nevoic@lemm.ee ) 
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        If by “have merit” you mean “has some positive aspects”, sure. Every system has merit. Slavery had merit (slave owners got cheap cotton). The Holocaust had merit (antisemites felt better). The issue is weighing the merit against the negatives. You can’t just say two systems have positive aspects and call it a day.

        Are you a fan of democracy or authoritarianism? Capitalism is a system where productive forces are driven undemocratically, in the name of profit instead of by worker democracy. The commodification of everything exists in a world of private property:

        • our bodies (labor power)
        • our thoughts (intellectual property)
        • the specific ordering of bits on a hard drive you own (digital media, DRM)
        • the means of production (which exist as a result of collective knowledge, infrastructure, and labor)

        These things being commodified and privatized are ridiculous in any democratic, non-capitalist system.

        However, these ridiculous conditions are absolutely necessary in a capitalist society. Without them the system falls apart. And as society continues to progress, the situation gets more and more ridiculous.

        What about when AI “takes away” jobs for 50% of Americans (as in capitalists fire humans in favor of AI)? That’ll collapse our society. Less work would be a good thing in any reasonable system, but not in capitalism. Less work is an existential threat to our society.

        If we ever have an AI that is as capable as humans are intellectually, the only work left for us will be manual labor. If that happens, and robots get to the point of matching our physical abilities, we won’t be employable anymore. The two classes will no longer be owners and workers, they’ll be owners and non-owners. At that point we better have dismantled capitalism, because if we don’t then we’ll just be starving in the street, along with the millions who die every year from starvation under the boot of global capitalism.

        • Everying in your comment can be solved with regulation. A capitalist society can enact socialist policies to take care of the lower class or unemployed. It’s not a “pick one” situation.

          You’re arguing against the unregulated capitalism we live in, but also comparing capitalism as it exists today to fuckin slavery is just a ridiculous false equivalence.

          •  Nevoic   ( @Nevoic@lemm.ee ) 
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            I didn’t compare capitalism to slavery. I said the word slavery. The first paragraph wasn’t demonstrating a comparison, it was demonstrating a principle (principles are universalized, comparisons aren’t). The idea that every system has positives, but those systems can still be horrifically bad.

            I don’t know if it’s emotion that’s clouding your reading comprehension, I hope it is, because then you can calm down and have a reasonable conversation. If it’s not, then this conversation isn’t worth having because you won’t understand half of what I’m saying. Literally 50% of your last message was you misrepresenting what I was saying.

            A capitalist society cannot enact socialist policies. It can enact “social” policies. These policies are inspired by socialism, and often advocated for by socialists, but the policies themselves are not socialist policies. Capitalism is an economic system where the means of production are privately owned, and socialism is an economic system where the means of production are socially owned. If private (not personal) property exists, it’s not socialism. It’s not necessarily capitalism (you could have other systems with private property), but in our world it always is.

            Welfare capitalism, where these social policies exist, is a well established ideology that has been around for about 80 years in any serious form, and yeah welfare can be used to address some of the negative tendencies of capitalism, but it doesn’t fix them. It’s applying a band-aid fix, not addressing the problem. In the real world what this means is there’s a class of people always working to remove those regulations and welfare because their class interests are opposed to ours.

            Class distinctions cannot be solved with a regulation, they have to be solved with a societal restructuring. Our legal system does not support the idea of abolishing private property and by extension classes.

      • IMO American style capitalism is completely broken, but that’s not the only way to run your economy and still call it capitalism. Particularly in the EU area companies don’t always have the upper hand. Consumers and employees have the kinds of rights Americans can only dream of.

        Don’t really know much about communism, but clearly USSR didn’t survive, and that may have something to do with the system. ML-people here can probably tell me how China, Cuba and other communist countries are doing today.

      • There’s a lot of trouble with definitions regarding capitalism. (I’d call them intentional since muddying the waters serves the people who benefit from our current system.)

        Pick any person who is complaining about “capitalism” right now.

        If you proposed a system where everything was structured the same as it is right now, HOWEVER instead of shareholders and owners possessing companies, every, single company was a worker cooperative (owned and controlled by its workers) then I am 95% sure the anti-capitalist you picked would

        1. Not consider that capitalism, and
        2. Vastly prefer that over what we have right now

        With some minor variation. (Tankies don’t think it’s possible to maintain such a system without monopolizing violence. Anarcho-communists wouldn’t be too happy about the scope and financial power of state and federal governments, and would seek to pare them down. Democratic socialists would think it was perfect. Little disagreements like that.)

        But I think most other people (people who aren’t anti-capitalists) would think “that’s just a form of capitalism” if I described the above.

        In fact, if I said,

        A free market system, but ownership and control of the means of production is only allowed collectively and democratically. No shareholders allowed, no transferable individual ownership allowed.

        Most ordinary people would consider that a form of capitalism. (Even though calling it capitalism is, technically, highly inaccurate). So it’s a difficult conversation to have. Because most “anti-capitalists” disagree with most “pro-capitalists” on the basic definition of what they are fighting or defending.

        I’m actually convinced that a lot of “pro-capitalists” are more eager to defend the free market system than they are to defend transferable, stock-marketable, individual ownership of the means of production. I think they would compromise on the latter if they could safeguard the former.

        • That’s almost anarcho-syndicalism, which I am a proponent of some of the ideas of, but it leaves capital and government generally intact. That’s probably the easiest way we could transition away from capitalism as we know it and not collapse the system entirely. It sounds almost feasible.

          • Oh yeah, certainly. And one of the first steps in that direction – the corporate death sentence – is just common sense.

            (The corporate death sentence is basically “any company that does more damage than it can reasonably repair gets converted into a co-op controlled by its workers / victims. The investors’ shares get dissolved.”)

            I don’t think anyone would have a reasonable objection to allowing the voters of East Palestine, Ohio and the workers for Norfolk Southern to elect all of the company’s board members from here on out. And I don’t think anyone would weep for Norfolk Southern’s shareholders if their shares got dissolved.

  • Unpaid overtime.

    Framing “fulfilling your contract” as “silent quitting”.

    In what other context would be “delivering what’s in the contract” anything less than satisfactory?

    When I buy a litre of milk and the box contains exactly a litre of milk it isn’t “silent stealing” either.

    •  CoderKat   ( @CoderKat@lemm.ee ) 
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      It’s crazy that even when people are told about this, they usually still defend it. I don’t get why the heck any normal person would like the idea of spending a few months salary on a ring. It’s such a terrible way to start a new marriage, especially with wages being what they are these days.

    •  pascal   ( @pascal@lemm.ee ) 
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      Diamonds were fairly rare when we used to mine them in Asia and America. And it’s a nice shiny stone which is also very durable.

      Then, we found out Africa is actually full of diamonds and DeBeers said “we can’t have that!” and started buying all the African diamonds to keep them away to artificially inflate the price and scarcity.

      Then we found out we can make them in labs better than the mined ones and DeBeers sai “that’s not a natural diamond, you don’t want that!” and so on.

      The whole marketing about “A diamond is forever!” is to make you think you’ll never want to sell your diamon ring, so you don’t find out your precious gift paid $2,000 is actually wortth $50.

      An EA spokeperson would say “it’s all about the experience”.

  •  mats   ( @mats@feddit.de ) 
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    Windows. You pay ~100€ just to give your personal data to MS and get a bloated OS that will use all of your resources. Even MacOS is a more fair deal than this.

    •  Einar   ( @original_reader@lemmy.ml ) 
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      I agree that it’s not great that telemetry is shared, but to say that you buy it “just” to share your data is an exaggeration. I am sure you do useful things with it.

      That said, yes, it is bloated and I wish you could really turn off all telemetry. Am totally with you on that.

    • I’ve owned probably 45 computers or more in my life and I’ve never paid Microsoft for shit. Saying Windows is a scam is rather stupid, you can literally disable telemetry and it’s still the best OS available right now regardless of your emotions.

      • Of the three major desktop operating systems, windows is by far the worst.

        The only advantage windows has is that Microsoft’s monopolistic practices in the 90s and 00s made it the de-facto OS for business to furnish employees with, which resulted in it still having better 3rd party software support than the alternatives.

        As an OS, it’s hard to use, doesn’t follow logical convention’s, is super opinionated about how users should interact with it, and is missing basic usability features that have been in every other modern OS for 10+ years. It’s awesome as a video game console, barely useable as an adobe or autodesk machine, but sucks as a general purpose OS.

        • Everything you just said is just… So incorrect. I don’t even know where to begin. With just saying it’s difficult to use, like what the hell are you on? How disillusioned are you that you actually feel that is a true statement?? If anything is the only OS using logical conventions, just in the simple concept of it being the most well known and common is in the world for desktop use.

          I don’t even know how to start with the basic usability functions that you claim are missing but as a long time Linux user I’m very interested to see what examples you give because I’m sure everyone is interested.

          • Having the highest market share doesn’t mean that windows uses logical conventions, it just means that lots of people are accustomed to the conventions that it uses. The vast majority of professionals that I’ve interacted with strongly dislike having to work on a windows machine once they’ve been exposed to anything else.

            Off of the top of my head, the illogical conventions that Windows uses are: storing application and OS settings together in an opaque and dangerous, globally-editable database (the registry), obfuscating the way that disks are mounted to the file system, using /cr/lf for new lines, using a backslash for directory mappings, not having anything close to a POSIX compatible scripting language, the stranglehold that “wizards” have on the OS at every level, etc. ad nausium. Most of these issues are due to Microsoft deciding to reinvent the wheel instead of conforming to existing conventions. Some of the differences are only annoying because they pick the exact opposite convention that everyone else uses (path separators, line endings), and some of them are annoying because they’re an objectively worse solution than what exists everywhere else (the registry, installation/uninstallation via wizards spawned by a settings menu).

            For basic usability functions, see the lack of functional multi-desktop support 20 years after it became mainstream elsewhere. There is actually no way to switch one monitor to a 2nd workspace without switching every monitor, which makes the feature worse than useless for any serious work. In addition to that, window management in general is completely barebones. Multitasking requires you to either click on icons every time you want to switch a window, or cycle through all of your open windows with alt-tab. The file manager is kludgy and full of opinionated defaults that mysteriously only serve to make it worse at just showing files. The stock terminal emulator is something out of 1995, the new one that can be optionally enabled as a feature is better, but it still exposes a pair of painful options for shells. With WSL, the windows terminal suddenly becomes pretty useful, but having to use a Linux abstraction layer just serves to support the point that windows sucks.

            I could go on and on all day, I’m a SWE with a decade of experience using Linux, 3 decades using Windows, and a few years on Mac here and there. I love my windows machine at home… as a gaming console. Having to do serious work in windows is agonizing.

        • hard to use, doesn’t follow logical convention’s, is super opinionated about how users should interact with it, and is missing basic usability features that have been in every other modern OS for 10+ years

          Now do iOS and macOS!

          • What’s wrong with mac OS? It’s been working for my developer laptops without any big issues for a decade.

            Sure I prefer linux, but OSX is infinitely better than dealing with the BS I had to put up with when I worked in a .NET shop.

            A functional terminal, docker works well with virtual networks, and brew exists.

          • Sure.

            MacOS is an excellent workspace operating system, largely due to its near-POSIX compliance and the fact that it has access to the enormous body of tools developed for UNIX-like OSs. For development work in particular, it can use the same free and open source software, configured in the same way, that Linux uses. Aside from the DE, a developer could swap between Linux and MacOS and barely realize it. Everything from Node, to Clang, to openJDK, to Rust, along with endless ecosystems of tooling, is installable in a consistent way that matches the bulk of online documentation. This is largely in contrast to Windows, where every piece of the puzzle will have a number of gotchas and footguns, especially when dealing with having multiple environments installed.

            From a design perspective, MacOS is opinionated, but feels like it’s put together by experts in UX. Its high usability is at least partially due to its simplicity and consistency, which in my opinion are hallmarks of well-designed software. MacOS also provides enough access through the Accessibility API to largely rebuild the WM, so those who don’t like the defaults have options.

            The most frequent complaint that I hear about MacOS is that x feature doesn’t work like it does in windows, even though the way that x feature works in windows is steaming hot garbage. Someone who’s used to Windows would probably need a few hours/days to become as fluent with MacOS, depending on their computer literacy.

            People also complain about the fact that MacOS leverages a lot of FOSS software, while keeping their software closed-source and proprietary. I agree with this criticism, but I don’t think it has anything to do with how usable MacOS is.

            I’m not going to start a flame war about mobile OSs because I don’t use a mobile OS as my primary productivity device (and neither should you, but I’m not your mom). The differences between mobile OSs are much smaller, and are virtually all subjective.

            You’re welcome.

      • Microsoft literally used to make it part of their OEM agreement that manufacturers couldn’t bundle their machines with anything but Windows, you’ve paid for it in the form of reduced competition in the OS market.

    • Last time i paid for windows was 98se. And xp, but that was a blatant illegal copy (from a legit store, with new laptop). Back then it was far too expensive, but still worth it compared to win1x now.

        •  bermuda   ( @bermuda@beehaw.org ) 
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          One of my professors had a textbook that was shockingly out of date for the subject. Like we’re talking using scientific data from 1995 at the latest, and I took this class 2 years ago. He sent a bunch of emails to the textbook author and eventually he came out with a “Fourth Edition” in response that changed NOTHING. The book was exactly the same except for a different cover. It was so bad that in the syllabus our professor warned us not to buy the fourth edition for the hefty $70 upcharge because it’s the same thing as the third edition.

    • This! My English teacher in my first year required us to buy a specific book that she wrote from a specific book store for $250. You had to bring it and the receipt in proving you bought it and aren’t just sharing with someone else.

      We then opened the table of contents to “go over” the book and never touched it again.

      She then said “you should probably leave those here so you don’t forget them”. Never fucking touched it again.

    • The professors I have known with text books for their own courses hate this, too. They would always put it on the board for the entire course how to translate page numbers given for the current edition of the book to page numbers for older pages. One in particular was like “Take the page number. Subtract the difference between the current version and your version. That’s the page you need to start on”

    •  Zagorath   ( @Zagorath@aussie.zone ) 
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      In some ways, Australia is actually worse than America. Not like, in terms of how “good” the overall system is. We’ve got you way beat there. But in terms of it being “a scam”.

      We have a really good public healthcare system called Medicare. But, if you’re over 30, you’re required to take out private health insurance anyway, or you pay the “Medicare Levy Surcharge” if you have above certain thresholds of income. This levy is not marginal, so you could theoretically take home less pay after getting a pay raise if it puts you over the next threshold.

      Additionally, if you later do sign up for private health insurance, you pay an addition levy of 2% on top of the normal premiums for every year you waited. So sign up at 40 and you pay 20% more for insurance than you otherwise would have.

      All this means more funding being funneled into the private health sector, taking resources away from the public system, increasing wait times for non-urgent procedures—except for those willing and able to pay to cut the queue. If that’s not a scam, I don’t know what is.

      • conservative governments in Australia have been trying to kill off medicare and other public services for a long time. the problem is our progressive governments have refused to push back hard enough as it always results in election losses.

        Basically the people are stupid, the media influences them, and the government is too spineless to take the risk needed to fix things.

  • Car dealerships. They are awful on purpose. In many places car manufacturers are not legally allowed to sell their cars directly to customers, in order to create what is essentially legally mandated car dealerships, which all suck.