They'll never leave you alone
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I just want to know what the ban usury folks expect to replace our current debt financing system with. I don't understand how you can have a system of credit if lenders are not allowed to earn any profit on their lending. And if there's not supposed to be any credit or borrowing, then how do massive capital developments occur? How do you build a billion dollar car factory without debt financing?
If you borrow $15,000 to build a home, you owe that loan back plus a borrowers fee of $500.
If you borrow $100,000 to build a factory, you owe that loan back plus a borrowers fee of $2000.
There is none of this current *"30 year mortgage but actually 15 years of that is going to pay kike interest"* we have now. And the current system wouldn't even necessarily be a bad thing, but wages have remained stagnant for the last 3-4 decades.
It used to be the 30 year mortgage was for people in a pinch or young people just starting out with almost nothing. The point was to get rock bottom monthly mortgage payments on the front end, so you could stabilize later and refinance down to a 15 or 10 year loan. You can still do this, it's just harder and harder with every generation.
The 30 year monthly mortgage payments aren't rock bottom anymore to allow you to save. They're standard: What people can afford along with their families and other expenses without overspending.
The entire concept is absurd anyway. Imagine taking 1/3rd of your life to pay off a small family home on standard wages. That's not a country set up for the people living in it. That's a country subverted by kike banks, compounding interest and fractional reserve jewry.
This right here is a MASSIVE hole in their schemes that I understood even as early as 12-13 years old. I couldn't quantify why, but it was so curious to me how much debt was involved with everything.
I understand maintenance and upkeep... but the roads are already paved, the schools are already built, the land is already plowed, the crops are already sewn, the rivers are already dredged, the factories are already constructed...
I just never understood why everything was so difficult and expensive, ESPECIALLY for newer generations moving forward into an already built society.
Now I know lol
I just don't see anything wrong with this model. People might not have basic math skills to understand it but it's a real simple concept.
The problem is the hidden and additional fees and surcharges, the 40 pages of legalese, and of course the overspending printing and straight up laundering of money at the politics level
Not everyone's wages have remained stagnant. That's the thing about inflation it does not effect an economy equally across the board. Certainly some professions have been stagnant, but others have kept up quite well.
Damn! 40 years!? Holy shit, my man lol
> It just sounds like you want to pay less in interest. That's fine.
I don't want to pay ANY interest. Fuck jews and their anti Christian ways.
> But shouldn't people have the freedom to negotiate the payment amount themselves? Have you considered that lenders may not want to loan you $100,000 in order to earn $2,000? A 2% return? That's pretty shit. Would you risk $100k in the hope of making $2k in profit in 40 years? I sure wouldn't.
You're not understanding. This isn't a private sector institution. NatSoc is a racially aware governemnt, so finance isn't an enterprise you go into with the notion of profiting off your brothers and sisters. It's not a get rich quick scheme. It's not a scheme at all. It's a government controlled institution setup for the benefit of your people. Look at israel.
It helps to view money more as a tool, rather than an all encompassing entity that only serves itself and its own enterprise. Hard to do because the latter is all we've been steeped in and know up to today.
But in a racially harmonious culture/civilization, money is simply a tool of exchange for goods and services between individuals and or business's. It doesn't need to be anything more than that, and I would argue the further you take it over that line, the more insidious and evil it becomes.
> Not everyone's wages have remained stagnant. That's the thing about inflation it does not effect an economy equally across the board. Certainly some professions have been stagnant, but others have kept up quite well.
They certainly haven't kept up with the record high inflation, or the pace of inflation in general. Maybe the top 20%-30% of jobs in society, but that's not where the bulk of the citizenry is employed.
The gap between the rich and poor continues to increase, the middle class continues to shrink, the housing market continues to inflate and you're paying $5 for a gallon of milk, $50 to fill up your 4 cylinder vehicle and inordinate increases in all taxes and services just for the (((culture))) to tell you you're an entitled White cunt while NGOing beaners and dumb niggers over your border.
Is this really the hill you want to die on?
What's the mathematical difference between paying a fee to borrow money, or paying interest on the money borrowed? Your paying extra to get access to that money today. If the extra amount is the same either way then what difference does it make?
Alright, so you don't want any private lending businesses to exist at all. All lending should come from the government, based on it's racially focused goals. So if someone wants to borrow money to build a factory, they have to convince some bureaucrats that this factory will benefit white people. But if that factory / business fails and the loan is not repaid, then the government, and therefore the society as a whole bears the cost. It seems to have a similar problem as the government guaranteed student loan business. You have people in charge of deciding who gets money, that don't have skin in the game as it were. The government guarantees the loans, meaning the general population bear the risk, without having any say in the matter. I won't conclude it's necessarily worse than the system we have now, but I don't think it's a utopian solution either. I kind of like the notion of a real free market in lending, where individual lenders are responsible for calculating risk, and bear the costs of that risk directly.
I don't really care about the gap between rich and poor. I don't think that's an issue at all. Even if it's true, so what? Am I supposed to be angry that Jeff Bezos can buy himself luxury yachts and I can't do the same? Isn't that just an expression of envy? What I care about is my quality of life. More generally I could be concerned about the quality of life of the people in my community. I don't want to live in some dystopian hellscape of shanty towns like South Africa or Brazil. So I don't care about the gap between the richest and poorest, I care about the living standards of the poorest. And that's kind of a mixed bag. Sure there are crazy people and junkies that are completely destitute dregs - but for the most part even the poorest people in the USA have it pretty fucking good. People that are sober don't have to live on the streets or go hungry. There's all kinds of government programs and charities to assist people on hard times.
I do agree though about the niggers. Import the third world become the third world. I just don't really agree that the solution requires a purely European ethnostate. Even Hitler admired the Japs.
Good lord man. Talk about being comfortable with your chains.
> What's the mathematical difference between paying a fee to borrow money, or paying interest on the money borrowed? Your paying extra to get access to that money today. If the extra amount is the same either way then what difference does it make?
None. You have answered your own question. If both interest and fee are the same amount, there's no difference.
I think what you're trying to ask is if the "fee" will be lower than the "interest". The answer to that question is always yes.
> It seems to have a similar problem as the government guaranteed student loan business.
Not in the slightest. The student loan business was predicated on bullshit and huffed farts. (((Scholars))) and (((universities))) telling kids they can blow all their parents college savings on 4 years of useless Diversity Equity Officer degrees and still keep the economy rolling.
Firstly, the student loan program included minorities. It was NOT beneficial for Whites, judging by the degrees, and it looks like we're going to be paying for it again.
Secondly, the education system has long been sacked. Lots of feminists and harpy's berating young men and spitting jewish learned horseshit at them like it's gospel. Useless degrees are purposefully championed while blue collar or tradesmen work is treated as less than.
Thirdly, you shouldn't have to take out loans for education. Back in 1950-1960's america, you could put yourself through college on a part time job. The country had a more cohesive culture and education was seen as self betterment, not an enterprise to be gamed and used to trick and hurt young people.
> I kind of like the notion of a real free market in lending, where individual lenders are responsible for calculating risk, and bear the costs of that risk directly.
If we actually had a free market. Right now the bank bears no risk in lending money because it's all fractional reserve banking. It can create money and capital out of thin air.
> I don't really care about the gap between rich and poor. I don't think that's an issue at all. Even if it's true, so what? Am I supposed to be angry that Jeff Bezos can buy himself luxury yachts and I can't do the same? Isn't that just an expression of envy?
I agree the successful should be able to exceed without limits. In a culturally harmonious society, this does not look like what the billionaires of america are doing today. These people don't give a fuck about the future of america or its White peoples. They're either already a part of the jew fold, or are only in it for themselves, even though their vast amounts of wealth could help thousands while they still sit comfortably on a beach planning their childrens childrens future.
It's also reasonable to worry about the LCD. But even the poorest of Whites are more reasonable and well behaved than rich niggers. The culture at the bottom level is also massively important, but that's also where it's most under assault.
> I do agree though about the niggers. Import the third world become the third world. I just don't really agree that the solution requires a purely European ethnostate. Even Hitler admired the Japs.
It will work for any country of peoples who want self determination and no central jew bank. That's the beauty of NatSoc. While it's inherently a White ideology, it could theoretically work for any culture of peoples.