ITT: Retarded things Merry-Mutts do

interest on loans and accounts is still dictated by the banks from which they come. your interest rate on savings never increases if the bank makes more money with your savings than usual, but until recently, loans would always move with the market. locked interest loans are now marketed as a perk, not a guarantee. Most people accept even higher interest rates in order to have the privilage of a locked interest rate. The reason people put up with these institutions is because there's nothing else you can do. the average wage of a middle class american is not enough to pay for cost of living while also saving for a house, retirement and paying off student loans. therefore youre average person NEEDS to take out a loan in some form or another sometime in their life, whether it be a mortgage or student loans. the wages and salaries of average people have not moved substantially with cost of living increases since the second world war. The only way for people to pay for such things is a loan through a bank, who control the markets to make sure people continue to take out loans. Maybe this isnt a strict definition of usery, but its definitely a form of evil

Gee I wonder why. Read my post again maybe.

>America is weighed down by 44% non-whites
>Still only one point lower than Canada, effectively a negligible difference
Madre de Dios

Nah, you guys create all the divide. At least you're better than Australians and Scandis.

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I didn’t say I liked it, I only jack off to gay shit anyway. Just don’t watch it if you don’t like it, it’s a free market.

One IQ point is within the margin of error and the stats are from 2002.

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College is a commie shitfest. Don’t go to it unless you want to become a Marxist

>I only jack off to gay shit anyway.
based

t. High schooler or retard who has never actually been to college.

> I only jack off to gay shit anyway
oh America. who will save you?

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