Johnjonjoan

We started the fight

If the heat die off has only effected those at the lower levels of the food web I wouldn't like to be high up in it.

There's a chance we'll see increased competition among higher level organisms leading to the depletion of the same low level organisms in adjacent areas until those higher levels have a die off event too allowing them to recover.

I think there's certainly a difference.

With spanking you are trying to affect the thought processes that lead to bad behaviour (condition them) with violence. Implicitly showing the child it's ok to use violence to get what you want. Cue tantrums, destructive tendencies, etc.

In your case you are using force (which isn't the same as violence) to achieve something. Your showing the child some things must be done whether they like it or not.

I do believe you should always explain your actions in these kind of situations because children are rational but not nuanced. You have to be much more explicit with them so they learn to understand the implicit.

Yes I agree. Some reasons for reduced access to credit are smaller loans which fixed costs dig deeper into, shorter loans which entail a lower duration of interest, and the higher risk of default.

Conventional credit would rather not touch this lending because it sees lower hanging fruit.

To me this explains why payday loans have higher interest without being any more predatory than other profit seeking enterprises.

To clarify the supply and demand argument was merely describing their abundance in these communities not arguing against their predatory behaviour.

By insinuating they are predatory you imply they are taking advantage of the consumers. If that's the case why isn't another company charging a more reasonable amount thereby taking over the entire market and making money?

Furthermore what's the alternative to consumers not having these loans available? It could be that they lose their car, causing them to lose their job, then their home.

Edit: I often see claims they hide their interest rate, but why would they advertise a yearly rate when the loans are intended for durations of weeks? It's like complaining that petrol isn't priced by the kilogallon.

"What’s more, consumer advocates point to studies that show Black and Latino communities are disproportionately targeted by providers of high-cost loans.

In Johnson’s home state of Michigan, areas that are more than a quarter Black and Latino have 7.6 payday stores for every 100,000 people, or about 50% more than elsewhere, according to data collected by the Center for Responsible Lending."

Is this not the same as saying Asian communities are disproportionately targeted by stores selling Asian produce? It's just basic supply and demand right?

We like to make out that some practices are predatory but both sides of the deal agree to the terms. Doesn't this mean they both think what they are recieving is of greater value than what they are giving? how is that predatory?

The royal charter. Does China daily have something similar?

If you block the location request it then tracks you via your IP and stores it in local storage.

I believe the first war with more deaths from battle than disease was the second world war.

Keynes forgot about greed. He thought after making workers 2.5x more efficient the machine would be happy with still making 1x the product.