Tag: fraud

  • Passing the Buck: Why We Pay More But Make LessPart 5: The Auto Trap

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    Forced to Buy What You Can’t Afford Jennifer lives in Phoenix, Arizona. She’s a single mom with two kids, works as a pharmacy technician, makes $42,000 a year. Her shift starts at 7 AM at a CVS 8.5 miles from her apartment. She doesn’t own a car by choice. She owns a car because there…

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  • Passing the Buck: Why We Pay More But Make Less. Part 4: Credit Cards

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    The Debt Trap Jason is a high school teacher in Arizona. He makes $48,000 a year, which is about what teachers make there. He’s 32, married, has a two-year-old daughter. His wife works part-time as a medical records clerk, bringing in another $22,000. Combined household income: $70,000. They’re not living extravagantly. They rent a two-bedroom…

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  • Passing the Buck: Why We Make Less But Pay More. Part 3: Banking Fees

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    The Poverty Tax Maria works two jobs. Monday through Friday, she’s a home health aide making $15/hour. Weekends, she works retail at Target for $16/hour. Between both jobs, she brings home about $2,400/month after taxes. It’s not much, but she manages. Carefully. On Friday, she deposited her paycheck from the home health agency—$680 for the…

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  • Passing the Buck: Why We Make Less But Pay More. Part 2: The Baseline Shift

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    Part 2: The Baseline Shift How “Basic Survival” Got Redefined as Luxury In 1970, Robert worked as a machinist at a manufacturing plant in Ohio. He made $9,400 a year—roughly the median income at the time. His wife, Linda, stayed home with their two kids. On that single income, they: Robert wasn’t exceptional. He wasn’t…

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  • Passing the Buck: Why We Make Less But Pay More. Part 1: The Impossible Math

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    Part 1: The Impossible Math When Median Income Meets Real Costs, America Fails Meet Sarah. She’s 34 years old, works as a registered nurse at a regional hospital, and makes $77,000 a year. That’s well above the median individual income in America ($59,228). She’s single, no kids, lives in a modest one-bedroom apartment in a…

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  • Do Unto Others Part 5: What This Means for Democracy

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    When Shared Reality Dissolves, Only Power Remains Introduction: The Foundation Is Cracking Democracy rests on three pillars that most Americans take for granted: Over the course of this series, we’ve documented how all three pillars are systematically eroding. Part 1 showed empathy has become transactional – Melissa Hortman gets “I don’t know who she was,”…

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  • Do Unto Others Part 4: Flooding the Zone

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    When Lies Work Better Than Truth After documenting transactional empathy (Part 1), Stage 2 moral reasoning (Part 2), and asymmetric hypocrisy (Part 3), one question remains: How does this actually work in practice? The answer is documented. It’s called the “firehose of falsehood,” and it’s a propaganda technique pioneered by authoritarian regimes. Specifically, Vladimir Putin’s…

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  • Do Unto Others Part 2: “My Own Morality”

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    When the Only Limit Is Yourself On January 8, 2026, President Trump sat down with The New York Times. Asked about constraints on his power, he gave an answer that deserves examination: “Yeah, there is one thing. My own morality. My own mind. It’s the only thing that can stop me. I don’t need international…

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  • VOTING REFORM: Analyzing Every Voting System We Could Find. Here’s What Might Actually Work to Break the Two-Party Stranglehold.

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    We’re All Trapped Voting AGAINST Candidates Instead of FOR Anyone When’s the last time you actually wanted to vote for someone? For most of us, voting has become damage control. We’re not voting FOR our candidate—we’re voting AGAINST the one that scares us more. About 70% of Americans think the country is heading in the wrong direction.…

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  • Broken By Design Part 25: The Bottom 90% Agenda – How We Fix This

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    We started this series with a simple question: What is wrong with us? Why does the richest country in human history rank 44th in life expectancy? Why do we spend twice as much on healthcare as other developed countries but get worse outcomes? Why can’t people afford housing even though we have more vacant homes…

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  • Broken By Design Part 24A: The Environmental Extraction – They Profit Today, We All Pay Forever

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    How Systems Are Rigged Against the Bottom 90% In 1977, Exxon’s own scientists warned executives that burning fossil fuels would cause catastrophic climate change. The company had some of the best climate research in the world. They knew. In 1988, they stopped their climate research program and started funding climate denial instead. Not because the…

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  • Broken By Design Part 23: The Efficiency Lie – How Technology Could Make Public Services Better Than Private (And Why They Don’t Want You To Know)

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    “Government is inefficient.” You’ve heard this your entire life. From politicians, from think tanks, from media, from your uncle at Thanksgiving. “The private sector does it better.” “Government can’t run anything efficiently.” “DMV wait times prove government doesn’t work.” “Only competition and profit motive create efficiency.” This has been repeated so many times, by so…

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  • Broken By Design Part 11: The Military-Industrial Complex: $968 Billion in Wealth Extraction

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    Part 11 of the series: How Systems Are Rigged Against the Bottom 90% The U.S. military budget for 2024 is $968 billion. That’s more than the next 10 countries combined. More than China, Russia, India, Saudi Arabia, UK, Germany, France, South Korea, Japan, and Ukraine combined. And here’s what makes this the perfect example of…

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