The word you’re looking for is etcetera. And unless you plan to return to community banks where you have to get to know the local banker to get a mortgage, you need this system.

I’m not sure how tying this to capitalism makes sense…lending is a risk, they are betting that you’ll remain employed and will continue to pay them - there is a chance you won’t and you pay a premium to get money now. Communist countries also have this system, but it is more centrally controlled by the State.

How about we just make tipping rounding and pay people a living wage? You know in Europe, eating out is not more expensive than it is in the US and they don’t beg for tips. It’s such bullshit here

The Biden administration is actively working on brokering a cease fire. Did you know the US is not one of the combatants in this war?

Also your alternative is Trump. Kindly fall in line unless you think that Trump would provide a balanced approach. Spoiler alert,he 100% would not