Comments by "양갈래 애호가 Aggressive Aegyo" (@aggressiveaegyo7679) on "ColdFusion" channel.

  1. Nice to see people in the comments noticing neo-feudalism. When nothing could be owned by the rabble, they could just use or rent the property of the nobility. You had to pay rent for the land you were allowed to live on, grow food and hunt. You were born in debt and you died in debt. This is what we are getting back to now. Car seat heating by subscription. Photoshop by monthly subscription (with the catch that it is actually an annual subscription, but they let you pay in installments and you have to compensate for the subscription for the next year if you want to unsubscribe), games are given to you to use, but not sold to you. Even if you do not need updates, support, warranties, online features, they will not sell you any of it, only endless rent that empties your pocket. Because of competition, they lower the price this way, as if they are splitting the payment into several installments. But you do not stop paying after paying the full old one-time price. And they also set a much higher price for the monthly payment, because it is not such a large amount and people are willing to pay it.
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  2. Everything I heard in the video requires a more detailed explanation from an economist. I was left with the impression that they scolded homeowners for not wanting to sell their house for half the price of their neighbors. Or a business owner for not wanting to pay twice the salary of his competitors. But you reminded me of an important detail. The problem is not in productivity, but in the economy. First of all, the behavior of people, their decisions. I remembered that the main horror story about the USA for people in the USSR and now is that Americans have nothing of their own, they live on credit, study on credit, a house was bought on credit, a car on credit. Imagine, there are countries where people tried to live on the money they earned, and not on imaginary expected incomes. With the onset of problems with lending, the economy will begin to behave many times worse than the actual state of affairs. Because of the behavior of people who will feel a slight complication of life. People like to panic for no reason and their panic will create a real reason.
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  3. Imagine that government regulation of the real estate market will take the form of a ban on lending without a 50% down payment. According to the laws of the market, prices will drop to a level at which people will be able to buy houses. The same with health care. If earlier people were ready to spend only $1000 and there were those who could not afford it, then insurance allowed everyone to temporarily receive medical care. But since 60-80% of the price is covered by insurance, the price rose to $10,000, because according to the laws of the market, people are ready to pay those same $1000, without taking into account how much the insurance company will pay. It did not get better and could not. With a mortgage on a house, prices will rise. People must start paying their own money and must be able to refuse exorbitant spending. And only after the situation improves, use a loan as a way to stimulate the economy.
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