Chapter 6 Credit System
Zhang Ailun also roughly understood the two types of homeless people: one is the illegal immigrants who just eat and wait for death, and the other is the drug addicts and mental patients who have fallen into depravity.
One type is homeless people who are bankrupt or wander the streets due to various family reasons.
There are many people with high culture and high quality.
There are senior programmers who are homeless on the streets after their companies went bankrupt and they can no longer find jobs. There are also science PhDs who used to work for Microsoft and Compaq and are now homeless after they ran out of money for medical treatment.
There are veterans whose death certificates are registered, millionaires whose companies have gone bankrupt and are worth millions, celebrities who have become deadbeats due to huge debts, and red-necked old couples who come out to pick up bottles after the harvest season to supplement their family income.
There were even prominent city councilors who were fired because their competitors exploited their inappropriate remarks, suffered online violence, and were evicted from their homes and left homeless because they could not afford the high rent.
All talented!
But more of them are the leftovers who have been eliminated by society and can't find jobs, and are helplessly wandering around as poor people.
In America, if you don’t have a house, you don’t have a job, and if you don’t have a job, you can’t make money.
You have to have a house before you can get a job.
But if you don’t have money to rent a house, you can only earn money by working first.
Once credit goes bankrupt, it is equivalent to breaking the ecological cycle, being eliminated and never being able to squeeze in again.
From one extreme to another, from law-abiding citizens to looting and burning, from heaven to hell, this is the underlying logic of the credit system.
Without credit, you can’t rent a house or find a job and you’re about to starve to death. What else can you do besides begging, shopping for small amounts of money, picking up trash, and selling your body?
Those with better conditions can live in cars, have a stable camp and team, and make many friends. Those with poor conditions can only live in tents or even sleep on the streets.
Even if you don't have a house or a car, it can be considered a credit asset and you can find a low-level job, but the maximum salary is only $2000 a month.
This is in California, which has the highest minimum hourly wage. The minimum hourly wage in many other states is $, and in a few states it is only $.
After paying federal taxes, state taxes, personal income taxes, and daily consumption taxes, I can't save any money at all. I can barely make ends meet, and I'm even less carefree than when I was wandering the streets.
Without a job and being homeless, you may receive hundreds of dollars in subsidies, snap coupons, social welfare, free food, and public health checkups every month because you are a vulnerable group.
If you have a low-level job, you have to pay taxes, rent, utilities, food, clothing, housing, and labor. If you have any outstanding debts, you have to repay them first. Not only will you lose your monthly subsidy and food vouchers, but the shelter will no longer provide you with any help.
Because you are no longer a vulnerable group.
Homeless people need social attention and it is easy to create topics, even if it is just a face-saving project for white leftists.
For the same piece of news, no one would pay attention to how an ordinary poor person lives. More people would pay attention to why the homeless person is wandering outside and what stories he has. Just making up two stories can arouse people's saintly hearts. It is a congenital traffic saint.
At the beginning, a homeless man used the only $20 left in his pocket to buy gasoline for the female driver. He did a good deed anonymously and was found and interviewed by the female driver and her boyfriend. The interview was posted online and caused heated discussion. Soon, more than $40 in donations were raised on the GoFundme website.
It was later found out that it was a show. The man and woman ran away with the money. They were sued in court by the homeless man because of uneven distribution of the loot. In the end, all three of them were imprisoned for fraud.
After this incident, it became difficult for homeless people to sell their misery online or beg on the streets.
Having a job and a house will ensure that you will not be discriminated against or looked at with prejudice. Although you work hard and are treated like a slave, you have dignity.
But dignity cannot be eaten.
It will take a long time to make enough money and credit points by doing menial jobs to rent a decent house instead of staying in a motel and get your life back on track.
Just because I found a low-level job and earned more than a thousand dollars a month through hard labor, it was like breaking the law of heaven and losing so much social welfare all at once! Who can bear this?
Since homeless people can survive without working, why do they have to work so hard?
Of course, this may be the voice of many homeless people who live a life of idleness and waiting to die, but it does not represent everyone.
Not all homeless people like to be content with the status quo, especially the upper-class elites who have great ambitions and have experienced a good life and paradise, who are always desperate to crawl back like crazy.
There are also people like Dominic who choose to wander the streets due to family problems.
He has no debt, no credit problems, and no bad habits. Even if he doesn't get up early and work late to pick up cans every month, he can exchange his blue passport for a few hundred dollars in subsidies. He lives a fairly comfortable life and has hope of getting out and getting back on track in the future.
But he had long been accustomed to wandering, and the people he came into contact with most often were homeless people. It was difficult for him to integrate into normal society, and he had not mastered any skills.
If you ask him to calculate how many jars are needed to buy a building, he may be able to give you an answer in less than a second, because his mind is full of jars as a unit of measurement.
A cup of coffee has several cans, a sandwich has several cans, a car has several cans. If you ask him to sit in the office and type on the keyboard, study the stock market, and promote advertising, can he do it?
He can't do it!!
Dominic can't live without the can, just like Blackie can't live without zero-dollar shopping and the homeless can't live without relief meals.
You insist on forcing the new generation of Emperor Guan Tian to give up his martial arts, you are harming him.
No wonder some people categorize homeless people into a single category, and some people are not happy to protest in the streets. There are indeed reasons for this.
Many people were once highly educated, drinking red wine and champagne, being picked up by luxury cars, having hands and feet, dignity, ideals, and a fighting spirit, but they were knocked down by the cruel reality.
But as long as you don't get addicted to pornography, gambling and drugs, work hard, save money and build up your credit, rent an apartment and find a job, you will be able to climb out of poverty sooner or later.
Even if you just stand on the roadside and clean people's car windows for a dollar each time, or work as a can recycler, or set up a street stall for free, you will eventually make a comeback if you accumulate little by little.
But I am afraid that I can't overcome it. It requires a strong heart and perseverance.
Opioids and legalized leaves are also a hurdle that old bannermen find difficult to bypass.
Even if you really get ashore, you will find that there are all kinds of tax terms and various advertising and sales bombardment traps, intrigues from nine to five, and a lot of troubles are waiting for you. You can easily have a credit crisis or even bankruptcy!
Looking back, it would have been better to just leave it where it is.
As I said, once you are homeless, you will be homeless forever.
Wandering on the streets is an attitude, buying a car and renting a house are just processes, and returning to zero is the end.
After listening to Dominic's experience, Zhang Ailun also felt that life in America was really tiring.
A paradise for the rich and a hell for the poor.
He just wanted to make his life less tiring.
……
The two sat on the old sofa and had a long chat, and things became relatively relaxed after they changed the topic.
The new topics are nothing more than the games that men like, food, guns, fighting, the leaders of the 3D area, and the female donors of P stations.
Seeing that it was getting late, Dominic got up and returned to his tent, packed up his things, and walked out with a bunch of personal belongings.
"Alan, you will sleep in my tent today, and I will stay in my friend's tent."
"That's a very good arrangement." Zhang Ailun nodded. He was originally wondering whether it would be inappropriate for him to sleep in a strange girl's tent, but he didn't expect that the other party had already thought about it for him.
"Good night, Alan."
"Goodnight, Dominic."
Zhang Ailun walked into the blue tent. It was his first time to experience survival in the wild, and he felt a little strange. But he felt sleepy and fell asleep soon.
The next day.
Zhang Ailun was awakened by the [Daily Intelligence] reminder.
[Daily Information: The Bali Relief Food Truck will provide double cheese beef burgers, 9ml Pepsi and cream ice cream cakes at 30:330 am on Shuangxiang Street. ]
[Daily Intelligence: At the Carnation Club at 134 Wapson Street, there are a lot of recyclable cans and transparent beverage bottles in the green trash can in the alley.]
[Daily Intelligence: A homeless man died in the alley on 27th Street in the Fifth District with $3 in his back pocket.]
Another homeless person died?
Is this death rate a bit high?
It really is the free West Coast.
I glanced at the time and it was already 8:45.
Zhang Ailun did not hesitate and decisively chose to wake up his good neighbor Dominic who was still sleeping.
If you are a step later, you will miss the dinner.
(End of this chapter)
