Tag: fraud

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

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    Part 5 of Passing the Buck, a 15-part series on why we make less but pay more. The first four installments traced cost shifts inside relatively well-defined transactions — wages versus productivity, employer-to-worker benefit transfers, overdraft fees, credit card interest. This one is harder, because the cost being passed to households is built into the…

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

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    Part 4 of Passing the Buck, a 15-part series on why we make less but pay more. Part 3 looked at the overdraft side of consumer banking. This one looks at the other side of the same relationship — the credit card. Most of the largest credit card issuers in the United States are also…

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

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    Part 3 of Passing the Buck, a 15-part series on why we make less but pay more. In Parts 1 and 2 I walked through the picture: the math on a typical American household has tightened over fifty years even as productivity has climbed, and several specific costs — housing, healthcare, higher education, transportation, retirement…

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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 of Passing the Buck, a 15-part series on why we make less but pay more. In Part 1 I walked through the math on one specific case — a nurse making $77,000 a year, doing everything right, with $625 a month left after mandatory expenses. The argument was that the math has gotten…

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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 of Passing the Buck, a 15-part series on why we make less but pay more. A few years ago I started keeping a list. It began with a conversation at the field after one of Henry’s games. A guy I have known for a decade — coaches another team, runs a small landscaping…

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

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    Part 5 of Do Unto Others, a 5-part series. Read the complete series → This is the last installment of the series, and I want to do something I have been putting off for the previous four pieces — actually try to land the question of what all of it means. Quick recap of what…

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  • Do Unto Others Part 4: Flooding the Zone

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    Part 4 of Do Unto Others, a 5-part series. Read the complete series → In 2018, Steve Bannon gave an interview to Michael Lewis. It was during Trump’s first State of the Union, and Lewis was writing for Bloomberg. Asked about the Trump media strategy, the line that came out — and that has been…

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

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    Part 2 of Do Unto Others, a 5-part series. Read the complete series → In the New York Times interview published January 8, 2026, Trump was asked whether anything constrained his power on the global stage. He answered: “Yeah, there is one thing. My own morality. My own mind. It’s the only thing that can…

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  • Vote FOR Something: An Honest Look at Voting Reform

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    The last time I felt good about a vote I cast for president, I was probably in college and the candidate was probably losing. Every election since has been damage control. I’m not voting for somebody, I’m voting against the other guy because my kids have to live in whatever country the next four years…

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  • BrokeCon by Design Part 25: The Bottom 90% Agenda – How We Fix This

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    On September 3, 2025, a bunch of people who do not agree with each other about anything stood on a stage in the Capitol and unveiled a bill. The lineup was the tell. A Texas Republican from the hard right. A Rhode Island Democrat. Alexandria Ocasio-Cortez fist-bumped a Tennessee Republican from the Freedom Caucus on…

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

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    On August 3, 2015, Alpha Natural Resources filed for bankruptcy. In January 2016, Arch Coal did the same. On April 13, 2016, Peabody Energy — the largest coal company in the country, founded in 1883 selling coal off a cart in Chicago — filed too. Between them, the three had promised to clean up their…

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  • BrokeCon 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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    At one in the morning on Saturday, March 1, 2025, the federal office whose entire job was making the government work better got an email telling it that it was over. The notices had gone out the day before. The message came from a former Tesla engineer who had just been put in charge of…

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

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    There’s a food pantry on a base near you. There’s a food pantry on most of them. Operation Homefront, the Armed Services YMCA, the local Feeding America affiliate, sometimes the chaplain’s office running a closet out of a side room. The volunteers know which weeks are bad — paydays, PCS moves, deployment gaps that didn’t…

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