Power Law and Financial Fraudsters

Supposedly the debt money scheme came about when bankers realized people rarely asked for their deposits, so the bankers could loan out the vast majority of deposits, or in some cases, even more than the total deposits when the precious metals were just represented as digits. Their business model is fraud.

That's another example of a power law at work, i.e. only about 10% of deposit accounts might be closed over a given time period. The average person assumes a "flat" distribution, that is 100% of deposits must be available all the time.

The bankers know the situation with deposit accounts, but the average person has no clue. The average person's model of banking is it's like a more "secure" example of a cash jar you might keep in a cupboard and banks are just a money custodian service. This is another example of the genetic disparity in the definition of "common sense".

The average person's assumption of a flat distribution in deposit availability is based on a belief in fairness, and antagonism for cheaters such as the bankers who are financial fraudsters.

The banker and financial parasite class, which extends into entities like insurance companies and many corporations, assume the pretense of being "managers" or stewards of collective wealth even though all their systems fail repeatedly throughout history.

Time Orientation

We took our dogs to the vet last week. The bill for two annual checkups plus a couple of shots and a couple of packs of ivermectin based heartworm medication was about $1000. In the early 2000s, it cost about $80-90 for one dog annual checkup and medications. Annualized inflation of $90 to $500 from 2008 to 2026 is about 10%. The supposed official inflation rate over that time is like 3%. The inflation calculator predicts the current day vet bill should only be $140 if it was $90 in 2008. 

One theory about the wild vet bills is corporate and financial scumbags bought up all the vet practices in the US, so there's basically a cartel running the business, just like a cartel runs the medical business. I can imagine that's the case, but it's not the root cause. The root cause is debt dollars and people's overall time orientation.

Currently people believe the future is entirely owned by some financial trash people. For anything to happen in the present day, a business needs a loan. The loans are just digits the bank puts in an account. People then "work" to pay back the debt. A loan is a promise to work in the future.

When you own property, you have the opposite time orientation. You did all the work in the past. Now you have a valuable thing like a piece of property or a piece of gold, or a car or whatever. You don't have to do anything that doesn't add value or improve your situation. In that scenario you own your future and financial scumbags are seen as the obvious parasites they are.

The debt money economy has slowly morphed into a managerial economy, which is actually how the cartel vet business came about and why the vet business will turn into something like the medical industry in the US, which is another cartel business that's completely controlled into a giant rent seeking machine. People pay an enormous monthly fee to insurance companies to participate in the system. The insurance companies became big management cartels of the awful medical business in the US. They are apparently trying to do the same with vets.

The managerial component of this shitty system gets more invasive with each passing year. These vermin want to micromanage and track every aspect of people's lives. This is only possible because people believe in the debt money system. 

The Value of Voting (zero)

I know a handful of people who are political partisans, that is, they're really "into" political parties like the republicans or democrats. Thankfully, these groups represent small minorities now. Only about 27% of the population "identifies" as a democrat, and about 27% identify as a republican. That ~20% number is a consistent value across many disparate scenarios. I would guess about 20% of the population gets COVID shots now, for example. Indeed:

As of early 2026, about 17.5% of adults reported having received the 2025-26 COVID-19 vaccine, which includes booster doses.

The 20% number is evidence of some phenomenon that follows a power law. These are all examples of what I would call an "erosion of belief" scenario. COVID offers a great recent example. Initially there's a lie: "COVID will kill you if you don't get an untested, ineffective concoction from pharmaceutical companies." The lie is sold via the herd behavior of the populace. However, over time one-by-one people exit the herd as their personal experience contradicts the narrative pushed by self-interested salespeople like Fauci. For some reason though about 20% of the people continue to insist the herd opinion was correct.

The herd formation mechanism is easy to understand. Humans seem to have some "voting" mechanism in their brain just like ducks or chickens or cows. When confronted with an unknown situation, humans will decide what to do based on observation of other people in an ongoing informal "vote". Our flock of ducks does the same thing all day, everyday. They decide what to do as a group, especially what's "dangerous" or safe.

Imagine a scenario with 20 people caught in a rain storm who could take shelter in a cave or a spooky dilapidated cabin. The process by which the group "decides" the spooky scenario is safe is essentially a vote. The way the situation really unfolds is the "braves" or "independents" or "risk takers" actually decide what to do by going into the cave, then the others follow along once it's proven safe via a sort of "vote" that's quite similar to the duck's voting mechanism. The followers memory performs an "experience laundering" and they convert their following into a "decision"; this would correspond to the one-by-one reassessment of the COVID lie... okay, so what about the remnant 20%?

The remnant 20% seems to be stuck in what's essentially an imaginary voting loop. That is, they formed their opinion as a member of the herd. The herd moved on, they didn't notice. This seems to be the case for political partisans. During an election cycle, the herd gets convinced to vote for dirtbag "A" or "B". The election ends, ditbag "A" doesn't do anything promised or discussed in the election cycle. One by one, the herd understands that, except the remnant.

Anyway, an obvious conclusion is the value of the vote is zero. The only thing that matters is real information and an ability to evaluate it. The voting mechanism comes about because the common scenario is lack of info, and inability to evaluate it in adequate time. This scenario is rare/never happens for humans in the modern world, however, our ancestors lived in that world all the time for millions/billions of years so people "feel" like that's the ongoing situation.

The Rich Kids Table

We recently watched the TV show "Landman" which is about an executive at an independent oil company in Texas. It follows the same template as the TV series "Yellowstone". Ostensibly the writers of the show are "conservatives", at least that's the sales pitch associated with the string of shows from the same producers.

Even though the show is supposed to be "right wing" or conservative, and promotes the oil industry, it also includes ideas as you'd see in the other slop on Netflix or any of the other streaming services or networks which is labeled as "DEI", for example, there is always a tranny or gay character in these shows. Apparently that's obligatory, or the show gets paid to include that content.

It's odd there's some group of people with apparently endless money or influence who insist on pushing a handful of random concepts onto the public and there's endless minions who just go along with it and dutifully follow orders to promote those random concepts. Of the random concepts pushed, the tranny thing is the hardest to explain or understand. It's an issue that affects a micro-fraction of the population, so it barely has a real-world presence, but there's apparently at least hundreds of millions of dollars per year available to propagandize it. I spent at least 4 hours of my precious life watching corporate HR slop with similar propaganda.

Lots of observers, including me, struggle to understand how such a system "works". That is, how is it possible rando companies have to pay money to make employees watch videos about pronouns? It makes no sense at all.

The alt-media has been discussing this apparent system of control for decades now, but generally veers into realms of the fantastical and supernatural to fill in the "no sense" gaps. Works of fiction like the movie "They Live" show some version of this alt-media explanation. In that movie, a group of extra-dimensional aliens bamboozle humanity with a mind control ray fed through TV and ads.

I think a better model is offered up by high school cliques. The rich kids table in the cafeteria "runs the school". Their random opinions end up on blast over the PA. Lots of the other "kids" in the world high-school end up falling in line with the rich kids to get a share of the largess on offer from the rich kids.

It's interesting their random beliefs and opinions end up defining them as a clique. It's kind of the opposite scenario "real-politik" observers think is going on. That group believes the beliefs and opinions of the ruling class are calculated and are promoted for cynical reasons that keep the ruling class in power.

The real-politik explanation is the ruling-class are clever schemers with no real beliefs or opinions other than a lust for power and wealth, and all they do on the public stage is an act, or any beliefs they promote are meant to divide and conquer or whatever, that is, it's all calculated and fraudulent.

I think the real-politik explanation is incorrect. Basically the rich kids table world-view is a selection of random concepts from the inner world of a handful of people. It's packaged up as a religious creed for the rest of the school, but the ideas are just an incoherent list, like global warming is somehow associated with gays and trannies and pronouns.

Gadget Bicycles and Dilettantism

Last Sunday, I did one of my favorite bike rides through an Amish neighborhood near Middlefield, then back home via the Maple Highlands Trail bike path. The weather was ideal, so lots of people were out. I was on the bike path for about 10 miles, or about 30 minutes of my hour and forty-five minutes of riding. I realized most of the recreational rider people I passed were on a "gadget bike" of some kind. That is, it really deviated from the classic safety bicycle double diamond design that's been around for so long.

The two big gadget categories are recumbent trikes and ebikes. The people riding a classic road bike are few and far between. Road bikes are still the largest single category of bicycle by sales volume per year, but constitute less than half of aggregate bicycle sales according to the stats I see.

Sports like cycling are fad driven consumer activities in the US. This is a pattern I noticed over my life. Road cycling went through two booms, for example, since I've been riding. The first was the Greg LeMond boom in the late 1980s. The second was the Lance Armstrong boom in the late 1990s and early 2000s. During the booms, it was possible to go racing regularly. In between the booms, the number of active participants gets really low so in lower population areas, there's not even any races. Sports like rollerblading came and went in a  handful of years. Various "e" vehicles are the current fad/sport consumer stuff apparently.

Fad sports are part of a larger pattern of behavior in the US that's driven by the financial system and apparent debt driven "wealth" of the US which I'd label "dilettantism".  It's common for a person to try a bunch of different activities and hobbies in the US. It's rare for someone to pursue mastery of a sport or hobby. People can imagine they'd "like" pursuing a given sport, buy the gear, then don't really have time or the inclination to do it. It's like playing at playing.

Ironically, the reason people don't have the time to do what they imagine they'd like to do is they are spread thin through dilettantism. They don't gave time to be a good cyclist because they also imagine they want to golf, go fishing, work on classic cars, ride ATVs, mow their lawns, etc... A significant portion of the US population with at least a middle class income is like that. This leads to the phenomenon of "inch deep, mile wide" where people have no depth of knowledge, but some experience on many topics. This scenario is very common.

I think this tendency seeps into professional life as well and is exacerbated by LLMs, which allow amateurs and hacks to imagine they "know what they're doing" because they have a chatbot barf up an apparent answer to a question they type in. In reality, hardly anyone knows what he's doing.

Why is $5/gallon Gas a Pain Point?

I drove past several gas stations with gas at $4.999/gallon today, aka $5. That is a magical pain point for many people in the US. For some reason, only at $5 a gallon, masses of people begin to realize it's pretty expensive to own a car. Even a trivial trip, or god forbid, a long daily commute is observable cost. "Oh that was $10 in just gas" people will think.

At some point, though, gas prices kill the economy overall and oil prices will plunge again. That happened in the early 2000s with more empire wars in the middle east. I can't recall the peak oil price, but around 2007, crude hit something like $150/barrel. Gas got somewhere around $5/gallon back then too. I don't recall the details though.... that all led to the exposure of the big financial crime wave of the day, aka "a crisis".

Average mom and pop people can ignore certain expenses, but probably not gas and food. Eventually high cost of basic necessities squeezes the rest of the BS out of the economy... Can't afford gas--cancel Netflix and Hulu etc.... Can't buy groceries? No more crap from Amazon then.

I think they'll keep this dumb-fuck war going for quite a while. Americans have very little control over their own government.

Messy Life

For many years my "active" time has been divided up between work and one or two main hobbies. Although, I find as the years go by, I'm really only able to really support one hobby. I feel like I'm spread pretty thin. I work the typical 9-5ish kind of hours, then maybe do 5-10 hours of my hobby. Miscellaneous chores and errands take up the rest of my time.

One way I compensate for being spread thin is by letting my organization go to shit. For example I have a pretty good workshop. I have metal and woodworking equipment and tools for car and equipment repairs, etc... Sometimes it is very organized and tidy, but generally tends toward chaos. It's currently in a very bad state because my focus is on other things, but I do have to randomly tackle repair jobs on a car the house or whatever.

I noticed many active people end up in a similar situation. Being messy seems like a cheat code, but it really is detrimental overall. For example, a lost tool might add an extra half hour to some repair job, and that extra churn compounds the problems. Plus in theory it's even "dangerous" as in there is more stuff to trip over in a messy shop.

I know professional fabricators who are very good at being neat and clean in their workshop. That said, they can spend an hour or two of the day cleaning and putting stuff away and still be productive for 6 hours or whatever, while my general goal when I'm trying to fix something in the house is to be as fast as possible so I can go do other things.

I believe if I had a better system for organizing things, my workshop wouldn't be such a mess. I find, for example, the classic big toolbox for storing tools doesn't work for me. My problem is my collection of tools changes pretty rapidly as I need to tackle new jobs, but the storage for it doesn't... so it ends up shoved into toolbox drawers.

Anyway, periodically I spend some time refactoring my stuff and do a big cleanup. Now that spring is finally here in northeast Ohio, I'm starting on that project. I'm going to use boxes and shelves and bags instead of a toolbox.