They’re the worst!

Drivers specifically

I think there needs to be more research with twin studies looking to see if it’s an actual biological defect. As an analogy, we are all aware of the kind of guy who always “thinks with their dick and not their brain.” We all have some biological instincts, some biological imperatives, and some people those imperatives seem to be stronger than others, some have them so strong it is a detriment to themselves because they cannot act rationally. Strangely, it does indeed appear some people have a biological imperative to see others suffer, like they derive some sort of emotional response out of it and seek it out.

In some cases, it even becomes self-destructive, because they want to see others suffer so much that they don’t even care about their own preservation. They will happily see everyone’s living standards plummet, including their own, if it means they can see their neighbors suffer. Take a look at this video. It’s an example of an extreme case of this. The person in the video hardly even comes across as human but just an animal completely acting unconsciously on an instinct, and of course they are later thrown into prison because it is self-destructive.

My parents are very “bigoted and hateful,” I would not think it is an exaggeration to say they are fascists. I used to hate them for it but then stopped as much when it became clear to me that they are entirely even in control of it, but it is like an animal part of them, they are not fully conscious and in control of that part of them. I no longer hate them, when they spew their rhetoric I realize it is something they cannot control and so I no longer fight with them. I more so just feel bad for them, and wish we could study this more seriously so it could have a cure. Recognizing this helped me improve my relationship with my family a lot since I realize fighting is pointless. When they begin to spout off their hatred, I recognize it is just one of their “episodes” and I ignore, do not acknowledge, and wait for it to pass, then change the subject to something else.

But sadly a lot of these people with these biological defects form political parties and hold high offices, and so it makes it “taboo” to treat it as a serious medical issue that needs research and so we can find a cure, to find what is causing this defect and to fix it. I think most people have a slight biological imperative to inflict destruction and suffering, which is why so many people enjoy hunting even though it’s not necessary. Maybe it evolved as a way to make people feel less bad about hunting since used to we needed to do it for survival. For some people there is just something broken in their brain that turns this biological imperative to overdrive and they are just consumed with thoughts of wanting to kill, dominate, destroy, etc.

I think it just comes naturally. It would take energy to deconstruct and change their views and actions.

Because it absolves them of personal responsibility and allows them to feel morally superior?

For real. I was raised in an evangelical household and it didn’t stick with me beyond 14, even with all the indoctrination and sheltering. I genuinely don’t get how a person grows into adulthood still thinking that way.

It is a currency just like any other. It is created via virtual mining (the more work you do the higher chance you strike a vein). It’s value is purely speculative. There are more bitcoin scams that legitimate uses.

Ideally, insurance is wonderful and socialist. Everyone in a risk category pays into a pool, and whoever ends up realizing that risk gets to use the pool funds to set things right or be compensated for loss. It’s truly “we all support each other.” Protip: everyone is in the same risk pool. It’s called “being human”.

The problem is for profit insurance. When you put profit motive on insurance, the means change to reach that profitable end. Now it’s “charge the highest premiums possible, pay out the fewest claims, underpay on the claims you can’t avoid, and exclude anyone who makes ‘too many’ (read: any) claims”. The problem is not insurance; the problem is profit.

I understand “premium” (what you always pay, whether you use it or not)

I think I understand “co-pay” (what you pay at point-of-use (unless you’ve hit your annual out-of-pocket maximum (unless you’re out-of-network)))

I absolutely do not understand “deductible”, which seems to mean something different every time I look at it.

And it gets more esoteric from there.

I usually just pay cash-on-the-barrel for healthcare. Most places do a “same day payment” discount that can be up to 40%.

I can explain it very simply. In the US (and I assume worldwide) insurance is an industry that exists to collect premiums and deny claims. The business model is highly successful because if consumers do not wish to participate, the government will assist them by making it mandatory.

中文很簡單的，不用怕

They’re kinda the same thing, no?