Bailout
'Of the People, By the People' Exposes Bankers' Greed
Coalition
kicks off 'Rolling Jubilee' campaign to eliminate debt
- Common Dreams staff
ล้างหนี้ “ของประชาชน, โดยประชาชน” เผยความละโมบของนักการธนาคาร
เครือข่ายเปิดตัวการรณรงค์ “โรลลิ่ง จูบิลี” เพื่อขจัดหนี้
-
ทีมคอมมอนดรีมส์
A coalition of activists looking to
build popular resistance to predatory lending kicked off a new initiative, The
Rolling Jubilee, to challenge the status quo of debt collection by purchasing
distressed debts and then—rather than collecting on it—wiping the slate clean.
เครือข่ายนักกิจกรรมที่หาทางสร้างกระแสต่อต้านมวลชนต่อการกู้ยืมแบบนักล่าเหยื่อ
ได้เปิดตัวการริเริ่มใหม่ ชื่อ โรลลิ่ง จูบิลี, เพื่อท้าทายสถานภาพของระบบเก็บหนี้
ด้วยการซื้อหนี้เจ็บปวด แล้ว—แทนที่จะตามเก็บต่อ—กลับเป็นการล้างหนี้.
The Rolling Jubilee telethon will
air Thursday, November 15 and can be live streamed on rollingjubilee.org The
Occupy offshoot, Strike Debt,
will hold a telethon and variety show called "The People's Bailout"
in New York on Nov. 15 to raise money for the cause. For pennies on the dollar
($32 for every $1), individuals or companies can buy distressed debt—including
student loans and outstanding medical bills—from lenders if the borrower is
either behind their payments or in default. Whereas traditional debt collectors
then hound the debtor to pay up, the Rolling Jubilee is bunking the system by
erasing the debt and, therefore, liberating the debtor.
การรณรงค์
โรลลิ่ง จูบิลี เทเลธอน จะออกอากาศในวันพฤหัสบดี, 15 พย,
และจะถ่ายทอดสดที่ rollingjubilee.org หน่ออ่อนจากขบวนยึดพื้นที่ ในรายการ, “โจมตีหนี้”
(Strike
Debt),
จะมีการโทรศัพท์ระดมทุน และรายการแสดงอื่นๆ เรียกว่า “การกู้ให้พ้นหล่มหนี้ของประชาชน”
ในนิวยอร์ก เพื่อระดมเงินบริจาค.
ในหลักการ “จ่ายเพนนี ซื้อดอลลาร์”
(ทุกๆ เงินบริจาค $1 เพื่อซื้อหนี้ $32), ปัจเจกบุคคล หรือบริษัท สามารถซื้อหนี้เจ็บปวดได้—รวมทั้งเงินกู้เพื่อการศึกษา
และ หนี้ค่ายาและรักษาโรค—จากผู้ปล่อยกู้ หากผู้ยืมล่าช้าในการจ่ายคืน
หรือไม่สามารถจ่าย/ผิดสัญญา. ในขณะที่
ผู้เก็บหนี้ จะไล่ล่าลูกหนี้ให้จ่ายจนครบ, โรลลิ่ง จูบิลี จะล้มระบบด้วยการลบหนี้
ดังนั้น ปลดแอกลูกหนี้.
Rolling Jubilee, whose website went live on Monday, has already raised over $87,000 to
abolish $1.7 million worth of debt. According to writer and Jubilee organizer David Rees, the group has
already performed a test run on the debt market by spending $500 on distressed
debt, buying $14,000 worth of outstanding loans and pardoning the debtors.
เว็บไซต์ของ
โรลลิ่ง จูบิลี ที่เริ่มถ่ายทอดสดเมื่อวันจันทร์ ได้ระดมทุนได้กว่า $87,000 เพื่อล้างหนี้ที่มีมูลค่า $1.7
million. เดวิด รีส,
นักเขียนและผู้จัดองค์กร จูบิลี กล่าวว่า ทางกลุ่มได้ลองซื้อในตลาดหนี้
ด้วยการจ่ายเงิน $500 สำหรับหนี้เจ็บปวด,
ซื้อเงินกู้ที่มีมูลค่า $14,000 และให้อภัยทานแก่ลูกหนี้.
Their stated goal is to raise
$50,000 to buy up (and eliminate) $1 million worth of debt, focusing primarily
on communities hardest hit by the recession. However, what makes the campaign
especially clever is the inevitable exposure of lenders who may refuse to
participate. As Charles Eisenstein writes in The Guardian:
เป้าหมายที่พวกเขาแถลง
คือ ระดมเงิน $50,000 เพื่อซื้อ
(และขจัด) หนี้มูลค่า $1 ล้าน, โดยให้ความสำคัญลำดับแรกแก่ชุมชนที่ถูกภาวะเศรษฐกิจถดถอยกระหน่ำแรงที่สุด. แต่สิ่งที่ฉลาดล้ำของการรณรงค์นี้ คือ
การเผยโฉมหน้าอย่างหลีกเลี่ยงไม่ได้ของผู้ให้ยืม ที่ไม่ยอมเข้าร่วม. ดังที่ ชาร์ลส์ ไอเซนสไตน์ เขียนใน The
Guardian:
If the lenders block debt
cancellation even when it comes at no cost to themselves (as they would have
sold it at the same price to a collection agency), they appear as a bunch of
greedy, vindictive Scrooges.
หากผู้ปล่อยกู้ขัดขวางการล้างหนี้
ทั้งๆ ที่ไม่ได้ทำให้เขาเสียอะไร (เพราะพวกเขาคงได้ขายหนี้นั้นในราคาเดียวกับที่ขายให้เอเย่นต์เก็บหนี้),
พวกเขาก็จะปรากฏตัวเหมือนหมู่คนขี้ตืด ขี้ละโมบ และอาฆาตมาดร้าย.
The problem of unpayable debts
bedevils every corner of our financial system – public, corporate, and
personal. So far, the response of the monetary and fiscal authorities to nearly
every financial crisis has been to bail out the creditors but not the debtors.
ปัญหาของหนี้ที่จ่ายไม่ได้
เป็นปัญหาหนักยาวนานในทุกๆ ซอกมุมของระบบการเงินของเรา—สาธารณะ, บริษัท,
และส่วนบุคคล. ถึงตอนนี้,
การตอบสนองของผู้มีอำนาจด้านการเงินการคลังต่อเกือบทุกๆ วิกฤตทางการเงิน คือ
ช่วยกู้เจ้าหนี้ แต่ไม่ช่วยลูกหนี้.
The Rolling Jubilee brings a
different kind of solution into the public consciousness. The next time a
systemic crisis breaks, central banks can rescue the banking system by once
again buying the delinquent loans – and then cancel them or reduce the amount
borrowers owe.
โรลลิ่ง
จูบิลี นำเสนอทางแก้ไขแบบฉีกตัวสู่จิตสำนึกสาธารณะ. ครั้งต่อไป เมื่อเกิดวิกฤตระบบอีก, ธนาคารกลางก็จะช่วยชีวิตระบบธนาคารด้วยการซื้อหนี้เน่าอีกครั้ง—แล้วยกเลิก
หรือ ลดจำนวนที่ผู้กู้ติดหนี้อยู่.
A video produced by Strike Debt to promote the scheme, declares:
"We bailed-out the banks and in return they turned their backs on us. We
don't owe them anything, we owe each other everything. It's time for a bail-out
of the people, by the people."
“โจมตีหนี้”
ได้ผลิตวีดีโอเพื่อส่งเสริมโครงการนี้, ประกาศว่า,
“เราได้กู้ธนาคารให้พ้นจากหล่มหนี้ และในทางกลับกัน
พวกเขาได้หันหลังให้พวกเรา.
พวกเราไม่ได้ติดหนี้ใดๆ กับพวกเขา,
พวกเราติดหนี้ทุกอย่างต่อกันและกันเอง.
ถึงเวลาแล้วที่เราจะช่วยกันกู้ประชาชน, โดยประชาชน”.
“What
is the Rolling Jubilee?”
ดรุณี
แปล
I'm speechless! In shock! Wonderful
idea!
Brilliant
brilliant idea!
love
it! Donating to the site.
This is a brilliant idea.
But...In the rarefied atmosphere of
the international banking cabal, this idea is a nightmare.
The various national, international
and local banks exist primarily as organs to facilitate debt slavery and the
transfer of fiat money, no matter which denomination of national currency is
being used.
Let us first understand that 'money'
is a concept, an intangible given a concrete physical form. At it's basis,
'money' is a medium of exchange to transfer labor (that is, the expenditure of
mechanical or physical energy) from one person to another. To make 'money'
(which is intrinsically worthless) you have to decide upon a medium of exchange
which is recognized as having 'value' for the amount of labor that goes into
obtaining it. For example, oyster shell could be considered poor money in
coastal areas because little or no labor is expended in collecting them. In
regions far from the ocean, oyster shells could be considered quite valuable
due to their scarcity and the difficulty of moving them from the shore to the
interior. Gold would be (and Is) considered very valuable, and hence worth more
'money' due to the difficulty in obtaining it any form.
Still with me?
Okay. Modern banking has done away
with any clumsy physical representation of 'money', rendering 99% of it into
the 1's and 0's of the digital age. Every dollar (for instance) that is taken
in in the only remaining source of liquid capital left in the world (the
laundering of illicit drug trade profits, BTW) is loaned out EIGHT times over
in the form of international bailouts, business loans/takeovers, mortgages, car
loans, credit cards, etc, and the banks securitize this debt by bundling it up
and selling it off to Corporations who then turn around and hunt down the
borrowers to make good on the loans. If the borrowers don't pay up, the new
holders of their debt simply seizes all of their goods, property and chattel.
Banks and national economies teeter on the edge of oblivion based on this
monetization of over-extended debt.
Now comes the difficult part.
Occupy/Strike Debt comes along, and buys up chunks of these securitized debts,
and instead of playing along and demanding repayment of these loans, simply
wipes the borrowers slate clean.
The net result? BILLIONS of dollars
in potential profit from monetized debt vanishes from the system, permanently.
Do this enough, and you starve the banks and financiers to death, incidentally
crashing the regional or national economy (at least) or the world economy (at
worst), and collapsing Governments (which admittedly, is a brilliant way to do
it. Hmm. Maybe this idea has some pretty damn good merits after all)
In any case, you will see the Banks
and their puppet politicians move rapidly to outlaw this kind of financial
honesty and accountability, all in order to proceed with the looting of the
various national economies for their own personal gain. Lottery for the Elite,
poverty for the masses.
All too soon I think we are going to
see a social movement going from concepts to survival level confrontation, with
potentially violent conflict not far behind.
It's
not a democracy as long as the banks are running the slave ring. I'd like
nothing more than to starve the bankers and financiers to death...but given the
amount they've stolen, that would take a while. Two can play this game.
It's
not slavery. Slaves have to be housed and fed. The word is "corporate
feudalism". Much more profitable to run than slavery.
I could not understand why when the
banks were bailed out, why was the money given to them hoping for some trickle
down instead of given to the people to give to the banks to pay off their
mortgages. Of course the 99 percent would just fight over who got bailed out
and who got penalized for working all their lives and have their mortgages paid
off, turning people into the same greedy bastards as Wall Street.
The
excuse is "moral hazard".
Apparently
a one-off bail out of borrowers in extraordinary circumstances, who were in
many cases victims of fraud by the lenders anyway, would encourage people to
take on debt and not pay it back on the random off chance that the one-off
event might repeat itself at some unspecified future time, while bailing out
and rewarding the finance sector for coordinated and deliberate looting,
entailing much criminal activity, and to such an extent that they plunged the
entire world into economic catastrophe and placed the very social order and
cohesion of whole societies at risk, will not encourage them to keep right on
looting us until they manage to sink the ship of civilization.
Well
put. Listen again to Arlo Guthrie's "Alice's Restaurant"
Because
they designed the system that way, they bought the politicians and regulators,
and when things went wrong, their employees such as Obama gave them the money
and gave us the shaft. Obama continues to give these criminals $85 billion each
month under Quantitative Easing 3.
before
Obama was even in office! The continuation is republican house bullshit that
Obama has no say over, maybe the tea party would like to explain where their
spending priorities are!
Tsk,
tsk. Obama has had 4 years to change this if he didn't like it, and you have no
room to blame anyone but him for his decision to keep it in place. The buck stops
with him, now; that's the best thing about his reelection!
I suspect a bank-owned congressman
will introduce legislation to make this illegal.
Really great idea. Not only does it
give financial freedom to the borrower, it stops the usury interest rates
charged by the collectors where small debts never stop becoming big debts.
According to their website, they've
collected 94,576.21 (at this moment) "to abolish $1,896,339.57 of
debt". According to this article: "For pennies on the dollar ($32 for
every $1), individuals or companies can buy distressed debt". That's 32 to
1. Why isn't 94,576.21 times 32, or 3,026,438.72 being retired?
After reading further on the website
it did say 20:1 ratio. The folks who wrote this article need to correct it.
When I die all my credit cards will
be maxed out and the last check I write will bounce.
What imagination!
Well, right on!
I love it. What a fantastic idea.
Don't have any debt, but this solution has never been needed more for strapped
families/students. I'll contribute.
Won't this encourage acquiring risky
debt?
Buying a McMansion instead of and affordable home.
Skip state college for a private etc.
Buying a McMansion instead of and affordable home.
Skip state college for a private etc.
I've wondered for years why, since
everybody owes, it doesn't follow that nobody owes.
You can't win justice by writing a
check. How does this accomplish anything more than take money from regular
people and put into the hands of the people that created the mess?!
You
confuse money (a claim on wealth), with actual wealth. The bankers get a
fraction of their desired "claim on wealth" or money, while the
homeowners get actual wealth -- the home.
It
gives the criminals a fraction and rewards the victims, the duped homeowners.
There is $1 trillion worth of
"student" debt alone owed to this US Cathedral of Academic Brilliance
- and there has already been $87,000 worth of cash collected to retire $1.7
million of it (we'll deal with homeowner mortgage debt later, after we deal
with this pittance). How much cash needs to be collected to retire the
remaining $999,998,300,000?
Only
$52 billion? The US military could buy the debts and cancel them, save the USA
(thus doing its job of protecting "this great nation") and have $712
billon to spare to continue killing and torturing other people.What's the
problem?
Haha!
Yea they could just sell a few fighter jets and aircraft carrier or two and we
could all be free from debt bondage! Except the bankers would be aghast at the
dearth of debt slaves and be out of work themselves...
this is a nice gesture, but perhaps
that money would be better spent educating the masses on how illegitimate their
debts are so the remaining debt that is bought up will not be voluntarily paid
to the crooked debt collectors. so many people are unaware that they just don't
have to pay many of these debts. debt collectors use scare tactics that make
working class people terrified that they will go to jail, lose their homes,
etc. if they don't pay these debts that have basically been written off by the
original creditors. also, many people don't understand bankruptcy and how it is
an option. or for many, it's not an option because attorneys are beyond the
means of people struggling with debts to begin with.
What a scam. Collect money. Pay
banks for loans which would never have been paid otherwise. Mark my word -
someone is pocketing a percentage on the transaction.
Now
really! How the hell are we gonna mark your word and with what are we gonna
mark it? Several substances come to mind....
Maybe
you should do a little reading about vulture funds or Paul Singer.
Fantastically brilliant! Taking Tim
de Christopher's lead and doing it in an even bigger and apparently legal way.
Go for it ! Let’s put greedy bankers
out of business and split the biggies into pieces to stop the pilfering of our
people.
This is the people doing their own
thing, actually taking the reigns, stepping into the bureaucracy, to steward
their own society. I think everyone can imagine building a local system of
credit that can be replicated in local communities all over the world. Of
course the two parties involved in a credit transaction have to know each
other, or be integrated into the same community, so that reputations actually
mean something, to enforce trust, truth and equity. But liberals have a
fundamental problem with localism because liberals buy into large urban
population densities, sewers and all, where nobody knows anybody, so what the
hell, que sera sera, let chaos reign, ego-rama! Sell me a junk securitee! Wee!
Gone tomorrow, and over it the next day!
You'd
enjoy reading "Locavesting" Unfortunately I've forgotten the author's
name & have loaned the book.
Thanks,
I found it on the net. There remains a huge potential in the net for
disseminating ideas. But just imagine two people, one who spent one's childhood
in a small town, and another who spent it in the big city. Assuming both had
good childhoods, both cultivate a nostalgia for the environment one grew up in.
Now since there is much more interdependence among members of the small town,
that one has nostalgia for interdependence, the other much less so. So both can
sincerely advocate their respective environment but only the one from the small
town can feel strongly about interdependence.
Now in the void of this information disseminating into the society, interdependence in the civic/market channels becomes dampened/extinguished, and people are puzzled over why anyone would care. Well, we see the negative outcomes all around us, that's why. Our economy is controlled by godzilla monsters! This is a way to describe Merka's problem: It is the idea that the ego should reign, pushing mountains of "supply-side" opium, and building great wealth divides in the process, not to mention confusion, paralysis and all other sorts of social dysfunctions. This is Merka. This is das globalizm.
nanaof3 rtdrury • 5 hours ago
Now in the void of this information disseminating into the society, interdependence in the civic/market channels becomes dampened/extinguished, and people are puzzled over why anyone would care. Well, we see the negative outcomes all around us, that's why. Our economy is controlled by godzilla monsters! This is a way to describe Merka's problem: It is the idea that the ego should reign, pushing mountains of "supply-side" opium, and building great wealth divides in the process, not to mention confusion, paralysis and all other sorts of social dysfunctions. This is Merka. This is das globalizm.
nanaof3 rtdrury • 5 hours ago
Sounds
good, but doesn't always work out in practice. I know urban dwellers who are
not only nostalgic, but passionate about interdependence, the
interconnectedness of everything, & the web of life, although they don't
gossip over the back fence much. On the other hand, I have some small town
relatives.....hmm.
I
think you could ask those passionate about interconnectedness to gradually
connect more of the dots, so that they can start building local demand for
local production. They can imagine their current suppliers sitting behind desks
in far-flung corner offices with no contact whatsoever with their end-customers
hundreds or thousands of miles away. That image can recur in the mind as
something to avoid supporting. Then noting the process of describing what you
want in the local market, your demands, with local producers, becomes kind of
fun, and you get a lot of satisfaction out of that. And it just grows, because
you like it. Meanwhile that guy behind the desk in the corner office, well it
really doesn't matter if he gets your business or not. There was never a great
relationship to begin with.
"If the lenders block debt
cancellation even when it comes at no cost to themselves (as they would have
sold it at the same price to a collection agency), they appear as a bunch of
greedy, vindictive Scrooges." Which
is precisely what they are.
Don't
insult Scrooge; he was a nice guy whose conscience was awakened by merely three
ghosts. The banksters have given him a bad name............
It's
like calling a mean guy a skunk.
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