If you don't understand the math behind unsecured debt, you shouldn't call yourself a nerd.

The key bit of financial ignorance here is not understanding that credit cards are unsecured loans.

Other forms of credit have lower interest rates because the risk of default is mitigated by the ability to seize and sell an asset used to guarantee.

Being unable to pay your bills on time (or at all) increases how much you pay for all forms of credit.

Been there and done that. The spouse was once saddled with an EV as a rental because all the regular cars were already taken.

The experience was so horrible that there is zero chance of us ever getting an EV.

You can probably find the space to hang a 85" TV even if you have an apartment the size of a shoe box.

DEI is just Jim Crow turned around so that the perpetrator switches place with the victim.

Nuclear can generate power reliably regardless of the weather or time of day. Nuclear or coal will be picking up the slack when the sun isn't out.

Solar panels also degrade in high heat like any other type of electronics.

More people would receive treatment and survive conditions that would otherwise be terminal without treatment. This would lead to more people lingering on with chronic conditions and needing future care related or unrelated to what would have killed them.

Some of these treatments and followup supportive care can be very very expensive.

Savings from admin overhead would be more than erased by more people getting better access to services.

If it's spinning rust, it's not going to break suddenly and die unexpectedly. You will probably have enough time to copy your data before the drive dies assuming you didn't already have another copy or two already.

First they came for Boeing, and I didn't say anything because I wasn't all fucked up.