how did I end up here?

The law allows any medical provider or insurer to deny care based on "ethical, moral, or religious beliefs."

Housing Speculation is when rich folk, corporations, and wannabe landlords buy up property and sit on it like dragons hoarding gold. The Dutch have a dragon-adjacent term for this because speculation devastated their housing market in the 70s-80s leading to some gnarly Dutch squatting culture. They let homes sit empty, good as money in the bank and watch the value increase as everyone else competes for the remaining houses. That’s value they can borrow against, that’s a few hundred-thousand dollars if you need some quick cash, that’s a property you can rent out for regular income while charging tenants for repairs or maintenance and fining them for wear and tear. If property values go up and laws prohibit raising the rent by a certain degree, in many places they can find shady ways to evict that tenant, make no changes and charge the next renter more. It’s probably illegal but if you rent to people below a certain income, you can be assured most can’t afford to take you to court.

I live in Chicago. Many of the properties that used to house students, small families, single parents, older people, low-income folks have been gobbled up by little airbnb barons who colonize previously well-established neighborhoods and price out families who’ve lived there for generations because they can’t keep up with the artificially inflated property values. The airbnbs spread like cancer until a handful of people can dominate the “affordable” housing for an entire neighborhood. It’s gentrification on meth, but without the kind of localized money circulation or community improvements you get when people live and work and spend within their neighborhoods. It pushes residents further and further from services and resources until all that’s left is the locked-in commodififation of an exploitable renting class.

If that wasn’t bad enough, it also means that when large areas of habitable property are being hoarded by investors with portfolios of empty houses and airbnbs, that reduces the number of actual residents, which can spoil legislation on a community level. When all the storefront space in a neighborhood like mine is controlled by 4 people, you find the number of businesses and services that catered to lower income families start to become whiskey bars, boutiques, vintage shops, and upscale chain retail, businesses that bring money into the property owners at the expense of community accessibility, turning a once largely Hispanic neighborhood community into a posh little destination for travelers, tourists, and other aspiring business speculators who see every empty building as their next revinue stream. Gut a block of apartments with attached commercial space and build half as many luxury condos above a combination tapas bar and day spa and you’ve instantly got half as many tenants on that block to vote against your expansion schemes. Replacing low-income residents with higher-rent folks also bakes in support for future “improvements” that further contribute to the commodification of communities.

Property ownership has always been a tool of the most privileged class to extract value from the working class because the only options become rent, move, or live on the street for all they care. At which point, the police will sweep you further and further into the gutter until they have an excuse to send you to prison. This kind of speculation and consolidation allows people with excess resources to buy up the things the rest of us require to function and sell it back to us forever.

These are the same people that invented the fairy tale about how if we work hard enough and save and spend like smart people, then we can be landlords too! We can own businesses, raise families, chase dreams and be happy if we are smart like they are. But if we can’t it’s because we’re lazy little parasites who need to have our lives portioned out to us lest we waste time that could be earning money for the landlord.

the cutesy wholesome mom & pop vibe was a marketing tool.

same thing with Uber: they sold themselves to you as “make some spare cash, tee hee!” while they systematically undercut actual taxi services, and public transportation. they wanted to make gobs of money off your work, and they did.

more subtly, Air BnB and Uber and such have also been undercutting safety measures (because red tape is expensive).

hotels have insurance and security guards and cameras and if a guest is murdered by someone who broke into their room, it’s big news. if you’re staying at an Air BnB and someone breaks in — cause the host didn’t change the number lock, for example — whoops, sucks to be you, guess you should have been more careful!

taxi drivers and bus drivers are licensed, and vetted, and regulated. ubers are driven by literally anyone who signs up, and if something happens — well, sucks to be you! should been more careful.

these companies do not take any responsibility for the abuse and assault and murder done by their employees, because the employees are “independent operators”. they don’t take responsiblity for the gentrification and dismantling of social systems, cause they’re just giving the community a chance to earn cash with a side hustle.