Rom,
@Rom@hexbear.net avatar

Full time work.

Aryuproudomenowdaddy,
@Aryuproudomenowdaddy@hexbear.net avatar

Capitalism

betelgeuse,

Private insurance

jeremy,

Chiropractors.

dingus,
@dingus@lemmy.ml avatar

Even though this is top comment, this is an underrated answer.

independent.co.uk/…/chiropractor-neck-adjustment-…

Kissaki,
@Kissaki@feddit.de avatar

How can it be unrerrated if it is at the top where it can’t be rated any higher?

mvirts,

Not all chiropractors are the same, but not knowing who’s who is dangerous

mustardman,

There are physical therapists who know the actual manipulations that work and use them as needed for treatment. It’s the best of both worlds.

PopcornPrincess,

I agree. Physical therapists have to get a doctorate to get licensed, so they definitely know what they’re doing.

Karyoplasma,

Also homeopathy.

TheAnonymouseJoker,
@TheAnonymouseJoker@lemmy.ml avatar

Some homeopaths solve problems that allopathic doctors are unable to. Still it may be a placebo thing, but it is a valid option because it can work, and it is less quacky than quacks.

threeduck,

“may be a placebo”

My friend, there is no “may”.

spartanatreyu,
@spartanatreyu@programming.dev avatar

Also, you can buy Tic Tacs from any newsagent or gas station.

OwenEverbinde,

The entire industry is built on catering to the vast swaths of women who get ignored by doctors and need somewhere to turn.

I highly suspect doctors are taught in medical school, “women are over emotional and prone to exaggeration.”

Hell, “hysteria” was considered a valid diagnosis until the 1950s.

dingus,
@dingus@lemmy.ml avatar

This guy gets it. Chiropractors are a scam, but scammers are drawn to people who “fall through the cracks” because they’re treated like their problems don’t actually exist. Finally, they meet someone who takes their pain seriously. It’s too bad the person who takes it “seriously” is a fucking charlatan.

It falls harder on women, who have more instances of pain that are ignored by the medical community, partially from the history mentioned above, claiming women must be experiencing “hysteria.”

It absolutely happens because of the failings of the medical community.

Enigma,

I was suffering from hyperemisis last year and it took 3 doctors before I finally found one to take me seriously, which I consider it lucky it only took 3. The last doc I was practically on my hands and knees begging them to take me seriously.

In the middle of all that I also ended up with pneumonia. Normally I never get sick so I was like wtf is going on. But anyways, a doctor finally took some chest x rays and 2 weeks later they call to tell me that my X-ray was clear. I. Went. Off. I ended up having to go to the ER 2 days after the doctor visit because I could no longer breathe, it was so painful. How is it possible that my x ray was clear??? Then another week goes by and the assistant calls to tell me that I do have pneumonia and a prescription has been sent in. I just hung up and filed complaints with everyone I could. That office was a hot mess.

OwenEverbinde,

I am so sorry. That’s devastating. You already have to struggle to fight your illness. But to have to fight that hard AGAINST YOUR DOCTOR when your doctor is supposed to be on your team? It’s a betrayal.

unscholarly_source,

My personal top 3:

  • insurance
  • subscriptions
  • Google and similar data hungry companies (while not a financial scam but moreso a privacy scam, companies like Google and Meta profiteering on our personal data without our knowledge or awareness)
Tb0n3,

Technically insurance only works if everybody pays in. Wouldn’t work as a concept if every tom dick and harry could pay them $100 then a week later need $100,000. They’d basically be out of business right quick with nothing to provide for anyone. Maybe as some believe it should just be provided through taxes, but it’s certainly not a scam.

PoopingCough,

The scam part comes when you are forced to fight tooth and nail to get money from them even when you are clearly covered

aport,

This. For non trivial claims they basically won’t lift a finger until you take them to court.

DrQuint,

This. I got a detailed bill for a minor surgery, every single value was under the value of their own detailed coverage, and they still didn’t pay back around 12% of the value and never justified what the difference was about. They did it because they know I won’t fight them on it and they do it to everyone. That objectively and legally makes their detailed coverage a scam.

Nusm,

I’ve always said that insurance companies will spend dollars to figure out how to cheat you out of dimes.

DogMuffins,

Insurance policies are many and varied, covering different types of risk.

Many policies are potentially scammy in some circumstances.

Changetheview,

It’s true insurance companies need to take in adequate premiums in order to have the money the money to pay claims. And when done in balance, insurance is a great thing. Not all insurance in a scam, no doubting that.

But the current state of insurance, especially health insurance in the US, shows that these companies are making massive profits. How does this happen? Literally one way: They take in more premiums than they pay out in coverage. How? By either knowingly overcharging people or skirting out of paying covered claims through other means (such as baseless rejections).

That’s the problem with the entire insurance industry and why it must be properly regulated in any industry: It is a race to the bottom. The worse the insurer treats the people that buy insurance from them, the better the company does financially (charge a lot, pay out a little). Mix in the fact that (1) you cannot shop around at the time you need a claim and (2) the contracts are so intensive only a sophisticated legal team can interpret them, and it’s a recipe for disaster.

So you’re right that all insurance isn’t necessarily a scam. But if you can’t see that the US health insurance industry raking in profits shows serious dysfunction that could be considered a scam, it’s worth taking a second look.

Tb0n3,

Nobody works for free. In order to be a large effective and not out of business business you need to have a profit to cover overhead like staff.

aport,

Profit is revenue minus expenses

Changetheview,

Did someone say people should work for free?No where am I saying that. This is about whether the current US healthcare insurance industry is a scam or not. Scam means “a dishonest scheme” and insurance saying it’s going to provide healthcare coverage but actually just takes your money, doesn’t provide coverage, and only pays investors/executives could be considered a dishonest scheme by many.

Insurance companies have a natural tendency to become worse and worse over time. This is called the race to the bottom and is an incredibly well-known phenomena in insurance. Like monopolies, insurance is one of the rare situations where experts are in damn-near universal agreement that heavy regulation is necessary.

Right now, insurance companies are objectively very bad to the people they provide coverage for. This isn’t an opinion, this is a fact that’s easily verified and well understood. They are not being effectively regulated and as such, are racing to the bottom by providing absolutely terrible coverage while taking in massive premiums. This is not good for anyone and is not fixed by a free market in any way. You cannot effectively shop for insurance and their behavior is not rectified, unless prohibited by law (regulation).

Tb0n3,

I only posted what I did because your post read like you expected insurance to run by paying out 100% of what they get in. The thread started with general insurance but many zeroed in on health insurance. Yes there are problems, obviously, but certain things like denying claims comes about from many people trying to scam payments and the insurers tightening security too much without enough oversight.

Everybody seems to think there’s huge payments going to investors and C level executives but that comes from market confidence. So the stock price rises and those bonuses of stock options appreciate without the company paying a dime.

mvirts,

Hold up don’t forget that in the US, healthcare providers base their pricing on what they will receive after insurance discounts. This creates a massively overinflated market where most of the value is made up and a large portion of actual payments goes to insurance and corporations

buckykat,

Car based infrastructure

the stock market

capitalism

MacroCyclo,

A lot of people are saying Capitalism. Is it straight up capitalism that is the scam or the myth of financial mobility? (the American dream)

OwenEverbinde,

There’s a lot of trouble with definitions regarding capitalism. (I’d call them intentional since muddying the waters serves the people who benefit from our current system.)

Pick any person who is complaining about “capitalism” right now.

If you proposed a system where everything was structured the same as it is right now, HOWEVER instead of shareholders and owners possessing companies, every, single company was a worker cooperative (owned and controlled by its workers) then I am 95% sure the anti-capitalist you picked would

  1. Not consider that capitalism, and
  2. Vastly prefer that over what we have right now

With some minor variation. (Tankies don’t think it’s possible to maintain such a system without monopolizing violence. Anarcho-communists wouldn’t be too happy about the scope and financial power of state and federal governments, and would seek to pare them down. Democratic socialists would think it was perfect. Little disagreements like that.)

But I think most other people (people who aren’t anti-capitalists) would think “that’s just a form of capitalism” if I described the above.

In fact, if I said,

A free market system, but ownership and control of the means of production is only allowed collectively and democratically. No shareholders allowed, no transferable individual ownership allowed.

Most ordinary people would consider that a form of capitalism. (Even though calling it capitalism is, technically, highly inaccurate). So it’s a difficult conversation to have. Because most “anti-capitalists” disagree with most “pro-capitalists” on the basic definition of what they are fighting or defending.

I’m actually convinced that a lot of “pro-capitalists” are more eager to defend the free market system than they are to defend transferable, stock-marketable, individual ownership of the means of production. I think they would compromise on the latter if they could safeguard the former.

EremesZorn,

That’s almost anarcho-syndicalism, which I am a proponent of some of the ideas of, but it leaves capital and government generally intact. That’s probably the easiest way we could transition away from capitalism as we know it and not collapse the system entirely. It sounds almost feasible.

OwenEverbinde,

Oh yeah, certainly. And one of the first steps in that direction – the corporate death sentence – is just common sense.

(The corporate death sentence is basically “any company that does more damage than it can reasonably repair gets converted into a co-op controlled by its workers / victims. The investors’ shares get dissolved.”)

I don’t think anyone would have a reasonable objection to allowing the voters of East Palestine, Ohio and the workers for Norfolk Southern to elect all of the company’s board members from here on out. And I don’t think anyone would weep for Norfolk Southern’s shareholders if their shares got dissolved.

intensely_human,

How do you figure financial mobility is a myth? I’ve altered my own financial situation successfully. That wouldn’t be possible if it were a myth.

Steeve,

Unregulated capitalism imo. I don’t buy the idea I’ve seen around here that capitalism itself is the problem and switching to communism would solve all the problems. Both are systems that have merit, but when left unchecked all the power and money will go to the few, like we have now.

Jackthelad,

Arguably, socialism is a bigger scam given its history of failure.

Nevoic,

If by “have merit” you mean “has some positive aspects”, sure. Every system has merit. Slavery had merit (slave owners got cheap cotton). The Holocaust had merit (antisemites felt better). The issue is weighing the merit against the negatives. You can’t just say two systems have positive aspects and call it a day.

Are you a fan of democracy or authoritarianism? Capitalism is a system where productive forces are driven undemocratically, in the name of profit instead of by worker democracy. The commodification of everything exists in a world of private property:

  • our bodies (labor power)
  • our thoughts (intellectual property)
  • the specific ordering of bits on a hard drive you own (digital media, DRM)
  • the means of production (which exist as a result of collective knowledge, infrastructure, and labor)

These things being commodified and privatized are ridiculous in any democratic, non-capitalist system.

However, these ridiculous conditions are absolutely necessary in a capitalist society. Without them the system falls apart. And as society continues to progress, the situation gets more and more ridiculous.

What about when AI “takes away” jobs for 50% of Americans (as in capitalists fire humans in favor of AI)? That’ll collapse our society. Less work would be a good thing in any reasonable system, but not in capitalism. Less work is an existential threat to our society.

If we ever have an AI that is as capable as humans are intellectually, the only work left for us will be manual labor. If that happens, and robots get to the point of matching our physical abilities, we won’t be employable anymore. The two classes will no longer be owners and workers, they’ll be owners and non-owners. At that point we better have dismantled capitalism, because if we don’t then we’ll just be starving in the street, along with the millions who die every year from starvation under the boot of global capitalism.

Steeve,

Everying in your comment can be solved with regulation. A capitalist society can enact socialist policies to take care of the lower class or unemployed. It’s not a “pick one” situation.

You’re arguing against the unregulated capitalism we live in, but also comparing capitalism as it exists today to fuckin slavery is just a ridiculous false equivalence.

Nevoic,

I didn’t compare capitalism to slavery. I said the word slavery. The first paragraph wasn’t demonstrating a comparison, it was demonstrating a principle (principles are universalized, comparisons aren’t). The idea that every system has positives, but those systems can still be horrifically bad.

I don’t know if it’s emotion that’s clouding your reading comprehension, I hope it is, because then you can calm down and have a reasonable conversation. If it’s not, then this conversation isn’t worth having because you won’t understand half of what I’m saying. Literally 50% of your last message was you misrepresenting what I was saying.

A capitalist society cannot enact socialist policies. It can enact “social” policies. These policies are inspired by socialism, and often advocated for by socialists, but the policies themselves are not socialist policies. Capitalism is an economic system where the means of production are privately owned, and socialism is an economic system where the means of production are socially owned. If private (not personal) property exists, it’s not socialism. It’s not necessarily capitalism (you could have other systems with private property), but in our world it always is.

Welfare capitalism, where these social policies exist, is a well established ideology that has been around for about 80 years in any serious form, and yeah welfare can be used to address some of the negative tendencies of capitalism, but it doesn’t fix them. It’s applying a band-aid fix, not addressing the problem. In the real world what this means is there’s a class of people always working to remove those regulations and welfare because their class interests are opposed to ours.

Class distinctions cannot be solved with a regulation, they have to be solved with a societal restructuring. Our legal system does not support the idea of abolishing private property and by extension classes.

Steeve,

Yeah bud, I’m not reading past your second paragraph. Go gaslight and be and be an asshole on Reddit.

Hamartiogonic,
@Hamartiogonic@sopuli.xyz avatar

IMO American style capitalism is completely broken, but that’s not the only way to run your economy and still call it capitalism. Particularly in the EU area companies don’t always have the upper hand. Consumers and employees have the kinds of rights Americans can only dream of.

Don’t really know much about communism, but clearly USSR didn’t survive, and that may have something to do with the system. ML-people here can probably tell me how China, Cuba and other communist countries are doing today.

Kotton,
@Kotton@lemmy.ml avatar

Social media

bbigras,

Homeopathy?

dQw4w9WgXcQ,

Is it normalized? I very rarely hear anyone taking homeopathic medicine or advocating for it. But I live in Norway, so maybe this is a thing elsewhere?

bbigras,

I agree that I never ear anyone I know tell me they use it, but they are sold in every drug store here in Canada so people must buy them, otherwise they would be bankrupt.

Maybe there’s better examples. Maybe glasses. Like 500$ for plastic. More people are buying online though these days.

kartonrealista,
@kartonrealista@lemmy.world avatar

Have you ever seen stuff like Occillococcinum or most things by company Boiron? They don’t advertise it as homeopathy, so even if you saw a homeopathic sugar pill you wouldn’t necessarily know. That’s a part of the scam

julianwgs,

It is very normalized in the south of Germany, but generally Germany is very pro homeopathy so so it is even subsided by the public health care system.

dQw4w9WgXcQ,

That is completely crazy to me. I guess the matter differs wildly based on location.

r1veRRR,

In Germany, a lot of medicine can only be sold in very regulated apothecaries. Those stores are allowed to recommend and sell homeopathy. There’s even a state-exam for homeopath. Though for that you only have to demonstrate you won’t kill your patients, not that you can actually help.

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