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More usury in the one of the most immoral societies in the world. Where it is perfectly legal to create terms of a contract where an elderly person can be pushed into crippling poverty if they are unable to pay.

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Learning new skills by doing exactly this sounds like a good idea in order to increase their ability to pay.

Immoral by what measure?

Where to begin? Land stolen through genocide and worked by slaves? Mass incarceration? Instigation of coups in foreign governments to ensure lower consumer costs and higher profits at home? Unaccountable drone strikes of innocent people in several countries, including countries we aren't at war with like Yemen?

Our society is very sick. It has been for a long time.

If we get to reach back into history for atrocities to describe current societal ills, then we effectively mar most of the world's nations: practically all of Europe, most of East and South Asia, the Middle East, North and Central Africa.

Then the metric ceases to be meaningful.

So other people are just as bad and somehow that makes it better? Is that really the best that we can do?

Were bad != are bad now

I am no moral relativist when it comes to civilizations: some are more humane than others.

On the other hand, how is it fair to judge a person or persons based off of their ancestors' actions?

A society is more than its government.

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