The biggest crisis of our time is the 21st century lending crisis. Lenders are creating outrageous terms meant to fail & giving them out to everyone just because they qualify to get fckd. The cap that they put on interest rates are determined by people lobbying on behalf of the lenders. Balloon payments should be illegal. Arbitrary adjustable payments should be illegal. When interest rates fluctuate, it's not proportionate to inflation and it does nothing but tighten the vice grip even further.

Precious metals are nothing but a store of value; the argument that we should go back to PM is a false paradigm meant to muddy the very real dialog that needs to be had. At this point if we went backed to asset beacked currency for the dollar, it would hurt the dollar more than help it due to all the cash now in circulation.


I'm too young to remember but there used to be a time when the main way people bought property was all at once. It sounds crazy but that was reality. The baby boomers messed that up living outside of their means because the financial institutions instigated it; that's why we're here.