in capitalist America, the bank robs you!
this post was submitted on 01 Dec 2023
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Cyanide and Happiness
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Cyanide & Happiness (C&H) is a webcomic created by Rob DenBleyker, Kris Wilson, Dave McElfatrick and Matt Melvin. The comic has been running since 2005 and is published on the website explosm.net along with animated shorts in the same style. Matt Melvin left C&H in 2014, and several other people have contributed to the comic and to the animated shorts
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About this community and how I post the comics… Many moons ago, I would ask my Dad to save the newspaper for me everyday so I could read my favorite comic strips. Of course these days you can read your favorite comics online instead of a newspaper, but I love the nostalgia of reading the daily comics. Anyway, one of my favorite current comics is Cyanide and Happiness and I will be posting the daily release from their website (https://explosm.net/) and a an extra or two randoms.
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Give a man a gun and he will rob a bank.
Give a man a bank and he will rob the world.
Like 30 years ago banks gave interest rates upwards of 3%, now you have to be a part of an exclusive club to get more than 0.5%
I get 15% currently from nu bank in mexico, and the mexican peso is appreciating vs the us dollar, so it really is a great deal.
The bank robbed the people so the people rob the bank 🎵
But then they turn and join the bank instead v.v
I don't get it.
Being a banker is a real robbery.
Every time I've put money in a bank, I've gotten out more than I put in. Where's the "robbery"?
Predatory lending. Overdraft fees. Minimum balances. Setting due dates on holidays and and weekends, then refusing to process payments for a three days prior to the due date. Opening lines of credit for people with mental handicaps. Fixing their books. Lying to regulatory agencies.
Wait until you learn overdraft fees are entirely the fault of the person overdrafting their account!
overdraft fees for one.
you can google and fine some pretty fucked up shit the US banks do to the most vulnerable people, like changing the order the transactions are processed in so that they can hit people with overdraft fees.
You could just balance your checkbook, maybe
I don't have a checkbook since I am not from the US, also stop woth the bootkicking/victim blaming, they literally did shit like if you had some small charges that should have been fine, then you had a bigger charge that put you over the limit, then they processed the big one first (even though it was the last) then processed the small ones after and then they didn't charge one overdraft fee, but multiple.
also there is the obvious case of the 2008 financial crisis, make some bootlicker argument for that, mate
I don't have a checkbook since I am not from the US
So you don't have to deposit an amount near your withdrawals? I'm curious about these places without overdraft fees. How far in the negative do they allow you to go?
Even without using a checkbook, I just got used to getting close to my limit. I deposit $100. I'd make a mental note that I spent $20 here, $50 there, and $25 at another place. Then I'd consider my money give, giving the transactions a few days to clear (back before things were so instant). Suck it banks, no overdraft fees this time!
2008 financial crisis
aka sub-prime lending. this sort of thing has happened before, "buying on margin" in the 1920s, for the stock market. it didnt end well then either.
the way that laws work is that if you sign a contract, it's legally binding - so if you take out a giant loan to buy a house & cant make the mortgage payments, you're out of house and you're liable to pay back the loan. you gotta read the fine print before you sign anything.
Dude, there was a systemic failure, the banks were deregulated, then the rating agencies misrated loans to keep making money.
Blaming individuals for "not reading the fine print" is just another form of bootlicking/victim blaming
you can opt out of those. and if your bank says you cant, close the account & join a new bank - there's so, so many banks.
Anything predatory and risky should be opt in only.
It takes more nuance and braincells than that to understand the joke.
I think it just takes a not particularly reflective cynicism. "Banks actually steal from us" is just an edgelord "good things are actually bad" take.
Dont feel bad. Some people are just born stupid.
Okay, edit: a very big /S , because modern internet.
Haha, no edit needed; I can take it! I was thinking "so he's their inside man now, in a bigger heist? Or maybe it's commentary on wage-theft and low wages from big banks..."