Responsibility of consumer indebtedness and state interference
By Nicolas
Madelenat di Florio
From the Society of Literary History of France.
Research Associate at
Centre for Research in Economic Ethics,
Université Paul Cézanne.
"The lie, even one of silence, may be deemed appropriate, timely and persistence in the lie, but it is the enemy too easy, and the truth, even painful she can not hurt that to heal. "
Andre Gide, Back in the USSR.
Our country is a great land, neither better nor worse than other parts of Europe. Long time, we laughed a strange attitude, very popular among our American friends, to include references to common sense on the records of various appliances. Thus, buying a washing machine in the U.S., it is not uncommon to find after the recommendations of various technical details and connections, a few remarks, mandatory, is explained by example that our pets enjoy little reside in the drum of washing and rinsing or drying is required to be saved. Also stated that a baby should not be dried in the microwave, it is better not to ask for plastic containers on the stove fires, or baked. In sum, the consumer is more qu'infantilisé by such notions. Furthermore, and apart from a few people quite limited (and then it would be preferable not to write this information but rather to draw them), these warnings are useless. And French, media head, gargle this habit become commonplace.
Yet we are worth much better. And I chose to demonstrate this process in the note of an offer of credit (revolving credit, or revolving credit ) tends to spread, social phenomenon, therefore, demonized by the press and political parties " paternalistic ", ie the great defenders of interventionism, these mobilities, the citizen-consumer is an irresponsible child should monitor and regulate, punish, and to maintain a constant state of stupidity. For "just" so, defenders of the poor tortured by a consumer necessarily deceptive advertising and incentive to over-indebtedness, revolving credit is a weapon of mass destruction sent by big business, sold to the dark side of economic forces and per extenso in the pay of big business. It is, barely, caricaturing the situation. More specifically, and that's the argument against the most advanced form of the loan "open", ie the availability of capital, renewed itself over the repayment (it is therefore possible to buy new) is an incentive to overspend. I must admit that's a possibility. You have money, you're tempted to spend it. But extending this reasoning, which does not, I am led to denounce the idea of lightness. For, after all, saving is also a sum of money available, yet the French manage to save, and this is a very good thing when you know that the best economists (Hayek in the lead) the place the foundation of any healthy growth, and any economic system capable of creating wealth, not debt, then misery (in the case of the Keynesian approach, or spend more for higher debt ). In sum, the argument by which have a sum may be expended necessarily entails a need consumerist does not. But then, that blame the revolving credit ? Interest may be ... It's ridiculous, nobody can think that a bank says the money to an individual by humanity or charity. This is not the purpose of a banking institution. It is therefore normal that the lender receives a sum as a function of time during which his money was no longer available, it is the very principle of the loan and interest.
But the real problem lies elsewhere. Indeed, the intervention price for French leaders (all-state), both father and mother of the people of desolation and economic freedoms, must constantly find new areas where slip his greedy snout. Banking escapes alas not this trend, growing to see political leaders in turn regulate arms under the leadership of associations and lobbies highly oriented. Thanks to several human rights and various attempts to shed a few tears to the reader and audience, the French legislator said that good father of the family France, he can leave his children a free hand when they want to free itself from its unhealthy guardianship. Yet it would be the key and the economic recovery of our country, and the development of entrepreneurship. But beyond these considerations is a recognition of the right person again, and most importantly, accountability. But who wants to talk about choice and more freedom to choose, can not forget that any decision process involves owning the intellectual arguments, and mechanisms allowing the formation of the decision. We must therefore revise our system of intellectual training of citizens, namely the school. Because of my years Youth I keep a strange memory where teachers explained, for example, the merits of the arguments of Keynes, namely that large expenditure is to create wealth. Other teachers did not hesitate to praise the Marxist theses, even though they taught history and therefore could not ignore that interventionism leads systematically, and in proportion to its degree of control over society, deprivation of individual and collective freedoms and to a dumbing down by impoverishment of thought. It is therefore necessary to serve all of our programs and partisan approaches that teachers apply This should never leave them, the reserve necessary for the institution they represent. Let's get out of the political affinities of classes and teachers do return a fresh and healthy, that of reason and argument informed by history. We must give students the keys for understanding our company, without omitting any pan deemed secondary. Economy, more than ever, must be handed in matters as basic to an understanding of individual's time and its uses. The school should prepare children for their lives as citizens, not the format to some strangely outdated approach by fifty years, at least, history, massacres, drifts. The school should be a place of enlightenment, training of critical thinking, not a packing plant. At this price, too, that we become citizens, and consumers informed and able to consciously choose.
should not so much getting rid of silly laws that clog our right, but old habits interventionist. That the state should learn to keep his place, to reduce its interventions in the field of privacy and ceases, especially to protect deeply irresponsible behavior. By buying on credit, consumers must remember that he must repay the sum borrowed, plus interest. Strongly endorse the dubious practices of banks when they use the ignorance of technical details by borrowers; allow borrowers to take care of their own bad decisions and reckless risk taking. The French must be responsible before the law, and outside banks. One does not love a people who wants to work and allowed to be free, adult, and responsible.
0 comments:
Post a Comment