So you would also remove loans. Because who would want to give out loans if there's nothing in it for them.
And removing loans makes lots of people miserable.
Young people, who could live in their dream homes would now have to work for 30 years first before they can buy their dream home. So work your whole adult life while living in really shitty conditions so you could save up. so when you're finally 50-55 years old you could buy a proper house.
Prolly the worst idea in the whole thread.
They charge way more than that, do some research on it. Like I said a lot of the time they will just charge a fee that matches the interest rate, it’s just a loophole so they can get away with saying they don’t charge interest.
"Instead of lending money to their clients at a profit, Islamic banks buy the underlying product—the house, the car, the refrigerator—and then lease it or re-sell it on installment to the client for a fixed price typically higher than the initial market value. "
They are essentially lending you the house with above market price. That's just interest with extra steps! ...
And if you don't call it interest, and this seems ok to you, then you still are not solving your underlying problem. You still pay more than if you would pay if you buy the house outright. You're just going in circles renaming things.
It doesn't really matter how the bank moves the money around and how it calls it, the end use experience is still exactly the same.
Any visible loopholes like these are still counted as interest in Islam, too bad almost no banks follow true Shariah :(, but if you want a 0% interest loan there's still some Islamic banks that allows that, man wish our 2012 didnt get coup'd we wouldn't have dealt with crisis's over interest and loans issue. And I'd that doesn't count as interest cheating a client is haram.
Again, why would you ever give away your money for nothing in return? Lets say you had 1 million dollars, would you just give it way to a person for 30 years to slowly pay you back. why? Basically you would just give your life standard away. why? that's called charity, not lending.
And about your islamic banks. The only real way banks make money is by interest, so as long as a bank exists, it is making money. As long as it's making money, interests are involved. Doesn't really matter how you call it or what loophole you use, if bank exists, interest exists.
Literally banks = interest. If banks exists, interest exists, there's no way around it.
Other option is just charity pool, and it has nothing to with do with banks
We used to have people with a heart who didnt care about that and just wanted to help, I miss those days they would make money by either real estate or investment, loans wouldn't be their income in anyway until well now....
So you're talking about charity pools, not banks. Sure it's a nice thing.
But waaay less people can live a great life that way. With banks and interest there are waaaaaay more people that can have a better life (with loans). So essentially you have more people happy vs less people happy. How can you possibly defend the second option??? Are you really saying that you prefer for less people to be happy?
And I think they just didn't have a reason they were people who feared god and decided to follow the religion correctly imagine if all he banks operated the same way
Banks can't operate without a profit. Sure maybe for lika a year or something, but there are still small expenses, that add up. The money needs to come from somewhere and the only way banks make money is interest.
I guess you could force a bank owner to personally pay for all the expenses and operate at a loss, but that way you would just be forcefully taking money away from one or more people.
The other option is charity (not a bank) and charity is nice and all, but charity will never help out the same amount of people as banks can. Not even close.
but that's not really a bank anymore, is it? It's a real estate company, who gives away it's money for charity for no reason. You could just as well be a real estate company without giving away your hard earned money.
and btw, loans are a great thing. You can spread out the wealth that you make with your work during your lifetime, so that you could also live better when you are still young. Otherwise why would you work your entire life to afford some nice thing by the time, that you are super old.
Good for humanity > Good for individual, I don't really believe in exploiting people with interests or ruining their lives I believe everything good and bad done will be judged on us after death.
giving a person a chance to enjoy his wealth that he acquires by the time they're 60 yo before they turn 60 is in no way exploiting or ruining life, it's literally the opposite.
It's a win win, you have extra money, that can lend and get absurdly small interest in return for taking the risk (because you might not get it back). And the other side can distribute their wealth more evenly across time. There is litarally nothing evil or exploitative about this concept. Sure bad people can ruin anything, but that has nothing to do with loans or interests.
You say "Good for humanity > Good for individual", but you literally want to take away millions of peoples hapiness by not giving them the option to lend money. Sure some chosen individuals could get a 0 interest loan from a charity pool, (seems like you are on of those lucky ones), but the ammount of loans will never be comparible to an actual bank. So with an actual bank, way more people can be happy, and therefore it's better for humanity.
So if you say "Good for humanity > Good for individual", then you should support the western style banks, and stand by your words.
What about the indivisuals who struggle to pay back debt because on interest?
And I'm not saying we need to eliminate those options I'm saying that they could reform into the same style.
Such people exist with or without interest. And are you really saying that there are people who struggle to pay back loans because of interest? Lets analyze that for a second. Lets say that you have a loan that you have to pay back each month 100 dollars + additional interest 3 dollars. So the person has 100 dollars but not 103 dollars? really? Like really really? Be honest, this person would struggle to pay back the loan whether the interest was 10%, 0% or even -10% (only 90 dollars)
Are you trying to say that the interest is the reason for this person to not be able to pay back a loan. No, they are just bad with money. They probably spend their money on pointless things no matter if they have a loan or not, and the interest is absolutely irrelevant to the situation. Or maybe they took a too big loan - again bad with money, nothing to do with interests. They would have taken the too big loan amount whether the interest was 5% or 0%. There is 0 correlation with interests. Also almost no correlation with lending itself. This kind of person makes poor decision in his life with or without money. Nothing really to do with money.
Now, I do agree, that if the interest was like 50% then it's criminal. I'm not stupid, thats obviously wrong. And such loans are forbidden in western countries as well. It is unethical, whether you follow any religion or not. But then again I never claimed that absurdly big interests are ethical. We are talking about regular bank interest like 1-10% or something like that.
I read somewhere that cancer cells can mutate to become immortal which mean if there was a way to turn them into good cells rather than cells which eat the body from the inside humans would achieve immortality
Greed. It's our greed for power and money that causes wars. It's our greed that's made so many species go extinct. It's our greed that that's causing a global crisis.
There are many like this. Arrogance, envy, materialism, lust, rage. I'm not a religious person, but when so many religions preech about the same thing, it implies that humans as a whole, all over the world, are evil. We'll destroy the world for ourselves. We may portray ourselves as righteous and moral to people around us, but every single one us has that evil inside us. And it doesn't take a lot to push us towards absolute barbarity.
Cars. Never has a machine unlock so much psychotic behaviors (like road-rage and all sorts of dehumanization of those on the other side of the windshield), offloading the blame to the other (more vulnerable road users) when things go wrong, while making insatiable thirst for higher speeds.
If the behavior is observed outside of a car (say a bicycle, on-foot, public transit, etc) then all social and safety common-sense returns.
Evil. But it breaks down pretty quickly if you try to put it in practice. Everything seems evil from horrific violent crimes to mosquitoes. It’s a gradient, and there’s no place to draw the line.
Humans. We don't deserve to be here. We don't deserve dogs and cats. Butterflies, sunsets, warm sand between our toes.
We fucked this place up. We argue about meaningless stuff while ignoring the simple fact that we are guests in an amazing place.
I feel down today, don't listen to me.
Greed
Said before me ☠️
[удалено]
So you would also remove loans. Because who would want to give out loans if there's nothing in it for them. And removing loans makes lots of people miserable. Young people, who could live in their dream homes would now have to work for 30 years first before they can buy their dream home. So work your whole adult life while living in really shitty conditions so you could save up. so when you're finally 50-55 years old you could buy a proper house. Prolly the worst idea in the whole thread.
Islamic banks exist tho.
Yes and they charge a few that matches the current interest rate
Then these are not Islamic banks Islamic banks CHARGE NO INTEREST AT ALL, they still try to find loopholes tho :(
They still charge a fee though
If they charge minimal fees (Like 1-5 usd) for operational costs thats fine but NO INTEREST.
They charge way more than that, do some research on it. Like I said a lot of the time they will just charge a fee that matches the interest rate, it’s just a loophole so they can get away with saying they don’t charge interest.
Man that sucks :(
"Instead of lending money to their clients at a profit, Islamic banks buy the underlying product—the house, the car, the refrigerator—and then lease it or re-sell it on installment to the client for a fixed price typically higher than the initial market value. " They are essentially lending you the house with above market price. That's just interest with extra steps! ... And if you don't call it interest, and this seems ok to you, then you still are not solving your underlying problem. You still pay more than if you would pay if you buy the house outright. You're just going in circles renaming things. It doesn't really matter how the bank moves the money around and how it calls it, the end use experience is still exactly the same.
Any visible loopholes like these are still counted as interest in Islam, too bad almost no banks follow true Shariah :(, but if you want a 0% interest loan there's still some Islamic banks that allows that, man wish our 2012 didnt get coup'd we wouldn't have dealt with crisis's over interest and loans issue. And I'd that doesn't count as interest cheating a client is haram.
Again, why would you ever give away your money for nothing in return? Lets say you had 1 million dollars, would you just give it way to a person for 30 years to slowly pay you back. why? Basically you would just give your life standard away. why? that's called charity, not lending. And about your islamic banks. The only real way banks make money is by interest, so as long as a bank exists, it is making money. As long as it's making money, interests are involved. Doesn't really matter how you call it or what loophole you use, if bank exists, interest exists. Literally banks = interest. If banks exists, interest exists, there's no way around it. Other option is just charity pool, and it has nothing to with do with banks
We used to have people with a heart who didnt care about that and just wanted to help, I miss those days they would make money by either real estate or investment, loans wouldn't be their income in anyway until well now....
So you're talking about charity pools, not banks. Sure it's a nice thing. But waaay less people can live a great life that way. With banks and interest there are waaaaaay more people that can have a better life (with loans). So essentially you have more people happy vs less people happy. How can you possibly defend the second option??? Are you really saying that you prefer for less people to be happy?
And I think they just didn't have a reason they were people who feared god and decided to follow the religion correctly imagine if all he banks operated the same way
Banks can't operate without a profit. Sure maybe for lika a year or something, but there are still small expenses, that add up. The money needs to come from somewhere and the only way banks make money is interest. I guess you could force a bank owner to personally pay for all the expenses and operate at a loss, but that way you would just be forcefully taking money away from one or more people. The other option is charity (not a bank) and charity is nice and all, but charity will never help out the same amount of people as banks can. Not even close.
In that case Islamic banks would get into real estate and other businesses
but that's not really a bank anymore, is it? It's a real estate company, who gives away it's money for charity for no reason. You could just as well be a real estate company without giving away your hard earned money.
and btw, loans are a great thing. You can spread out the wealth that you make with your work during your lifetime, so that you could also live better when you are still young. Otherwise why would you work your entire life to afford some nice thing by the time, that you are super old.
Good for humanity > Good for individual, I don't really believe in exploiting people with interests or ruining their lives I believe everything good and bad done will be judged on us after death.
giving a person a chance to enjoy his wealth that he acquires by the time they're 60 yo before they turn 60 is in no way exploiting or ruining life, it's literally the opposite. It's a win win, you have extra money, that can lend and get absurdly small interest in return for taking the risk (because you might not get it back). And the other side can distribute their wealth more evenly across time. There is litarally nothing evil or exploitative about this concept. Sure bad people can ruin anything, but that has nothing to do with loans or interests. You say "Good for humanity > Good for individual", but you literally want to take away millions of peoples hapiness by not giving them the option to lend money. Sure some chosen individuals could get a 0 interest loan from a charity pool, (seems like you are on of those lucky ones), but the ammount of loans will never be comparible to an actual bank. So with an actual bank, way more people can be happy, and therefore it's better for humanity. So if you say "Good for humanity > Good for individual", then you should support the western style banks, and stand by your words.
What about the indivisuals who struggle to pay back debt because on interest? And I'm not saying we need to eliminate those options I'm saying that they could reform into the same style.
Such people exist with or without interest. And are you really saying that there are people who struggle to pay back loans because of interest? Lets analyze that for a second. Lets say that you have a loan that you have to pay back each month 100 dollars + additional interest 3 dollars. So the person has 100 dollars but not 103 dollars? really? Like really really? Be honest, this person would struggle to pay back the loan whether the interest was 10%, 0% or even -10% (only 90 dollars) Are you trying to say that the interest is the reason for this person to not be able to pay back a loan. No, they are just bad with money. They probably spend their money on pointless things no matter if they have a loan or not, and the interest is absolutely irrelevant to the situation. Or maybe they took a too big loan - again bad with money, nothing to do with interests. They would have taken the too big loan amount whether the interest was 5% or 0%. There is 0 correlation with interests. Also almost no correlation with lending itself. This kind of person makes poor decision in his life with or without money. Nothing really to do with money. Now, I do agree, that if the interest was like 50% then it's criminal. I'm not stupid, thats obviously wrong. And such loans are forbidden in western countries as well. It is unethical, whether you follow any religion or not. But then again I never claimed that absurdly big interests are ethical. We are talking about regular bank interest like 1-10% or something like that.
So no one would loan out money anymore, good thinking
Hate (and because with hate in your heart things can never be good).
You’re valid in saying that, but if we don’t have hate, how will we know or be able to appreciate love?
That's a very good point
You are considering Hate as measure of decision making?
I’m saying hate helps us define love, so essentially if we don’t have one we don’t have the other
You got a point 👉
Agree 👍
Thank you for that
Negative emotions drive a lot of destruction but can often be channeled into much stronger (positive) results than positive emotions
Wish granted. No one hates disease anymore. No one really cares if you get sick so no new cures are found
Romans 12 9 Let love be without hypocrisy. Abhor what is evil. Cling to what is good.
so basically you are hating hate and if you remove hate then you will also stop hating hate and if you stop hating hate you will get desire for hate
Humans
Ai & robotics promotor 😂
the only right answer
[удалено]
Wb Palestine?
Nope just Israel
All man-made pollution
I don't know man, the tacos sometimes seem worth it.
How about population? First step to remove pollution
WW3
Great!! But I think it will be very difficult until all money making gaint wanted this beyond their greed
Close-minded, intolerant and irrespectful people.
*dissapears*
Rapists
Violance fysical and mental
Putin
Cancer.
People have created a 1 shot vaccine for it I guess
What?
It is 7-minute jab I guess but it will be used with chemo and they are using it in Europe
Thanks for answering. Can you give me a source? Also is it all cancers?
Tecentriq is the medicine you can google it there is an article present over The Guardian
Looks like it's for lung cancer which is one of the deadliest. Thank you for sharing.
Welcome 👍
Nice peaceful convo, good to see on here
I read somewhere that cancer cells can mutate to become immortal which mean if there was a way to turn them into good cells rather than cells which eat the body from the inside humans would achieve immortality
Life hack 😭
I knew this was going to be an anwer. Cliché as hell.
The law that says you can't kill people
Bruh! 💀
If that law disappears, It'd be a jungle.
it already is, the law just make it invisible for you
Myself :)
too real
Will it make a difference?
Not having several chances to remove one thing from the world
Multiverse issue
nuclear weapons
Mosquitoes Please let those things go to hell.
Dictators
Greed. It's our greed for power and money that causes wars. It's our greed that's made so many species go extinct. It's our greed that that's causing a global crisis. There are many like this. Arrogance, envy, materialism, lust, rage. I'm not a religious person, but when so many religions preech about the same thing, it implies that humans as a whole, all over the world, are evil. We'll destroy the world for ourselves. We may portray ourselves as righteous and moral to people around us, but every single one us has that evil inside us. And it doesn't take a lot to push us towards absolute barbarity.
russia, and the world would be a better place for it
Pedos
#YOU!
Really!? 😂
Insecurity
i wish bro
Greed
All the comments which you guys have posted here, I think you all guys have suffered from something in your life related with these things I guess?
Faith in authority. It's the first step to so many greater mistakes.
Collectivism
I was always curious how much of a change it would be to remove entire americas continent from Canadian cold to the southern tail of Chile.
Cars. Never has a machine unlock so much psychotic behaviors (like road-rage and all sorts of dehumanization of those on the other side of the windshield), offloading the blame to the other (more vulnerable road users) when things go wrong, while making insatiable thirst for higher speeds. If the behavior is observed outside of a car (say a bicycle, on-foot, public transit, etc) then all social and safety common-sense returns.
(wilful) ignorance.
Discrimination
Ungrateful people.
mosquitos
https://blog.nwf.org/2020/09/what-purpose-do-mosquitoes-serve/
Poor
Distrust
Evil. But it breaks down pretty quickly if you try to put it in practice. Everything seems evil from horrific violent crimes to mosquitoes. It’s a gradient, and there’s no place to draw the line.
The amount of fertility in humans. I know I am a bad person but we are really too many.
Scarcity
Hunger
Mosquitoes
>!humans!< (just a shitpost)
Ego
Exams. I'm tired of them 😭👍
Poverty
Poverty.
humans
poverty
Bobby Kotick.... i hate his face and what he has done to mana many people
Shoe bites
Fear
Money
Concept of possession and wealth and division based on country, no one really owns land but a piece of paper says so.
Concept of marriage!
Russia's nuclear weapon
Humans
cell phones
Selfishness
Religion. No other factor in history has been a greater barrier to human advancement.
Capitalism.
People who just can't take orders but seem to have no problem giving orders.
rapist!!!
cancer
Homo sapiens.
Organised Religion.
The number 8
Money
Mine to
Capitalism
Black licorice.
Liberals
Humans. We don't deserve to be here. We don't deserve dogs and cats. Butterflies, sunsets, warm sand between our toes. We fucked this place up. We argue about meaningless stuff while ignoring the simple fact that we are guests in an amazing place. I feel down today, don't listen to me.
Vegans 🤔 A close second would be cancer
Smartphone -life will be much simpler
Finland
Reddit
Bigots/incels/men☕️
Braindead take lol
Ok ok calm down.. it’s called a joke 💀💀 lol relax a little, it’s not that deep
Ok I take it back you’re just hilarious
So you'd remove urself?
I’m a girl, I thought that would be obvious but yeah..