this post was submitted on 01 Mar 2024
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“Local banker” Fucking hilarious. Nothing that banks do generates value to anyone outside of the banks themselves and the ultra wealthy. Just another ticking time bomb waiting for a bailout.
Bankers can go the way of the coal miners. Fucking rent seeking parasites.
If you don’t like banks or the idea of a for-profit organization handling your money, check out credit unions! They’re non-profit and are generally “owned” by their members vis-á-vis the money in each member’s account, and they’re actually more focused on customer service and care than banks typically are. They’re not FDIC-insured, but they can be NCUA-insured which is literally the same thing but for CUs (read: your money is still safe up to $250k).
Also gonna shoutout Vanguard specifically if you want the same philosophy behind CUs but with an investment firm. They’re still for-profit, but Vanguard is also entirely “owned” by their members - not quite sure how it works like that, but apparently it does.
I too keep all of my money stuffed in my mattress.
Banks provide a lot of valuable resources. I don't want to be my own bank.
Yeah it sucks. I loaned myself some money but didn't pay it back so I repoed my car.
You can't let that shit fly. You've gotta break some legs when they don't pay.
I mean, even if you're against bank's utilizing funds deposited to give out loans, I think they still have an obvious core function.
I'd much rather have a secure facility to keep my money, rather than, like, under my mattress, right? If for no ther reason than it means I'm not broke if my house burns down.
Look up the cooperative banking movement. Lots of farmer coops have own banks. It all depends on who owns them and what they are used for.