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Joined 1 year ago
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Cake day: October 25th, 2023

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  • That’s a little hard to parse, but if you’re asking “What guarantees the FDIC has the money to pay back Americans who lose their savings because of a bank collapse?”: The FDIC does. From https://www.fdic.gov/about/what-we-do:

    The FDIC receives no Congressional appropriations - it is funded by premiums that banks and savings associations pay for deposit insurance coverage. The FDIC insures trillions of dollars of deposits in U.S. banks and thrifts - deposits in virtually every bank and savings association in the country.

    FDIC insurance is a selling point for many retail banking products (like checking and savings accounts), so those institutions pay for the insurance so people will have confidence to bank there. More importantly, they buy it because it’s required by law currently.

    If the FDIC were abolished, the void would be filled by unregulated entities that would charge higher premiums and cover less, and there would probably be kickbacks involved - while the government watches with its popcorn - to disincentivise real free market competition.

    That’s if there were any kind of deposit insurance at all, I mean. The idea might be to encourage the American people to put their savings into a form they can retain control over - like precious metals, land, or digital currencies.





  • Lol well I took exception to slop but this is all human shit :p while ai allowed me to generate it in like 3 minutes the idea was mine (and apparently a few other people’s as well, I saw some others on the New feed), and I don’t need ai to help me think of shitpost ideas - just to bring them to life in full technicolour glory, and with less effort than mouse-drawing in MSPaint.

    Also, I do think it adds a certain dimension of shittiness to do it so carelessly, but that might be too abstract for a shitpost






  • I really can’t stand how the modern writers have made Section 31 an official arm of Starfleet. The entire point of the original idea was that it was a parasitic conspiracy hiding within the ranks, but not actually part of the ranks.

    They had the unconditional support of a Starfleet Admiral for the operation to discredit that Romulan politician and get their mole into power, though. And they have moles in foreign governments, indicating they have official backing and resources at some level. If they didn’t, they wouldn’t have moles; they’d have corpses who believed they were operatives. It’s hard to believe they’re not “officially unofficial”, given the things they’ve managed to pull off.

    I do think that bringing it out into the open with a whole show absolutely kills the effectiveness of Section 31 as a story device though. I feel the same way about the latest season of Stranger Things, giving a face and voice to The Mindflayer. It’s like everyone’s forgetting the power of real mystery.








  • I’m not sure you’re right that bullets can’t be a lever, though. Firing the gun is pulling the lever, but nobody ever said it has to be a single lever pull that diverts the trolley.

    The point of the trolley problem is that doing nothing results in more deaths to explore the limits of utilitarianism. It starts with the question of whether actively choosing to cause less destruction is worse than doing nothing to stop greater destruction, and you can add context to make it more complex from there.

    In the trolley problem, the choice is to kill one to save many by pulling a lever. The lever of regulation has failed, so now the people are going to start pulling levers of their own, to try and reduce deaths. Just because it’s not “the literal trolley problem but in real life” does not mean it’s not the trolley problem.