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submitted 1 year ago by [email protected] to c/[email protected]
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[-] [email protected] 0 points 1 year ago

“Local banker” Fucking hilarious. Nothing that banks do generates value to anyone outside of the banks themselves and the ultra wealthy. Just another ticking time bomb waiting for a bailout.

Bankers can go the way of the coal miners. Fucking rent seeking parasites.

[-] [email protected] 10 points 1 year ago

Look up the cooperative banking movement. Lots of farmer coops have own banks. It all depends on who owns them and what they are used for.

[-] [email protected] 5 points 1 year ago

I mean, even if you're against bank's utilizing funds deposited to give out loans, I think they still have an obvious core function.

I'd much rather have a secure facility to keep my money, rather than, like, under my mattress, right? If for no ther reason than it means I'm not broke if my house burns down.

[-] [email protected] 3 points 1 year ago

Banks provide a lot of valuable resources. I don't want to be my own bank.

[-] [email protected] 4 points 1 year ago

Yeah it sucks. I loaned myself some money but didn't pay it back so I repoed my car.

[-] [email protected] 3 points 1 year ago* (last edited 1 year ago)

You can't let that shit fly. You've gotta break some legs when they don't pay.

[-] [email protected] 3 points 1 year ago

If you don’t like banks or the idea of a for-profit organization handling your money, check out credit unions! They’re non-profit and are generally “owned” by their members vis-á-vis the money in each member’s account, and they’re actually more focused on customer service and care than banks typically are. They’re not FDIC-insured, but they can be NCUA-insured which is literally the same thing but for CUs (read: your money is still safe up to $250k).

Also gonna shoutout Vanguard specifically if you want the same philosophy behind CUs but with an investment firm. They’re still for-profit, but Vanguard is also entirely “owned” by their members - not quite sure how it works like that, but apparently it does.

[-] [email protected] 2 points 1 year ago

I too keep all of my money stuffed in my mattress.

this post was submitted on 01 Mar 2024
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