Yesterday, I considered forcing a local bank to forgive my credit card debt after hearing of a friend's credit card-related financial collapse. Force coming from me is inconceivable, because of both disability and morality.
I grew up hating violence and the criminal underground because of the places I was forced to walk to get to the library: alcoholics dying in public parks, pornography on marquees, armed drug dealers fancying themselves revolutionaries, and one friend finding himself with their gun to his neck. Deaths of many friends from drugs during my younger adulthood stoked my hatred even more. In late adulthood, I have found that the enemy has gone to Harvard Business School, changed clothes, and is far less crude than the criminal underground. But they rule the nation.
Who is the criminal overground? They are the rich monsters who have designed credit cruelty, foreclosures, bought members of Congress, and have destroyed my financial integrity and many others' through exorbitant interest applied with the enthusiasm of a drunken surgeon, scalpel in slicing hand. One particular victim is the old friend who put his cataract surgery on his credit card. This longtime hardworking man describes himself as being "in financial ruin". I describe it as political tyranny killing people through creating stresses which would collapse an elephant.
Having participated in mass movements for change, I see non-violent resistance as the sole possibility for avoiding civil war. If the present tyranny totters under the pressure of protest, and the criminal overground and its minions will not reason, grow a heart, and create a just financial system, what then? Would a soulless machine inhabiting the presidency call out the military and police to kill non-violent protestors? Recall Blackwater, that vicious mercenary-killing agency, from its compound in the American South, not to the Middle East but to New York and San Francisco?
If the present situation is allowed to continue, the point of civil war will be reached. But, it can be avoided. My vision for a mass reformation movement is this:
Credit Card Amnesty Movement
*Immediate removal of all interest and other fees to bring the card to its true balance
*Immediate negotiation of a payment plan at no more than 3 percent interest
*Congressional act forbidding any financial transactions involving more than 3 percent interest
*Disabled persons, seniors, children and anyone else with less than adequate earning power should receive complete debt forgiveness
Strategy: lobby every public official and every banking officer. Point out to the criminal overground how civil wars begin and incidents where justice might have avoided what came after.
If the banking industry and Congress are as merciless and blind as they seem, or simply properties of an unreformable set of evils created by the banking industry, then it is time for an effective, non-violent mass protest movement.
Both the French and Russian revolution began with ideals of justice and rather quickly became killing machines. America does not deserve this.
How to avoid it?
Objective: amnesty goals outlined above
Strategy: no credit card or debt payments at all until the rules are adjusted for sanity's sake