I was responsible but it's put me at a disadvantage. I would have been better off buying a home that I couldn't afford with no downpayment, and once the market adjusted using this government bailout to adjust the mortgage.
I no longer live in the u.s. though and am much happier to be someplace where it's impossible to act irresponsible in that way due to minimum standards with the banks.
Truly the US hasn't been the same since the government paid off all overly large student loans, irresponsibly spent credit card balances, desperately sought payday loans, and other avoidable, life-destroying debt. And since all of that debt has been canceled, I'm looking for a more responsible place to live.
I'm just glad that US banks don't allow truly predatory acts, such as the use of a pension as the down payment for a house, so that a borrower who defaults loses far more than their home. That sort of behavior is legal in some uncivilized regimes because it allows lenders to make bad loans without suffering any negative recourse; but fortunately it is not legal in the US.
On mobile, it consumes a shitload of data and makes the entire phone next to unusable.
You can install ABP at a system level (https://adblockplus.org/android-install) or uBlock as a Firefox extension (https://addons.mozilla.org/en-us/android/addon/ublock-origin),
You can install Ghostery as a standalone browser (https://play.google.com/store/apps/details?id=com.ghostery.a...) or as a Firefox extension (https://addons.mozilla.org/en-us/android/addon/ghostery/)
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Embedded videos:
You can usually get them working with some whitelisting (which can be temporary or permanent). Though I personally often welcome the video blocking as a feature and impulse control tool (anecdotally, it seems to mostly break social media click-farming bullshit).