BlueCarp: HB 1351 - Payday Lending in Colorado

Tuesday, April 20, 2010

HB 1351 - Payday Lending in Colorado

Colorado HB 1351 would limit the interest rates "payday lenders" can charge. The bill made it out of the House, and now moves on to the Senate. Representative Mark Ferrandino, D-Denver, supports the bill. According to the Denver Post (Payday-loan bill passes in House), Rep. Ferarandino said

"This is about the cycle of debt people find themselves in with payday lending. We're allowing people to overleverage themselves, causing bankruptcies."

In other words, we are allowing adults to make their own decisions. Rep. Ferrandino and the supporters of this bill believe they are smarter than the patrons of payday lenders, and want to stop these people from exercising their own judgment.

Oppose this bill. Support freedom.

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BlueCarp: Without Apology

I believe in freedom. Without apology.

Taxes encroach on freedom.

State power encroaches on freedom.

I am not an absolutist. I am not an ideologue. I am not an anarchist.

I believe that taxes and the state are necessary.

Yet so is water. Too much of it, and you drown. You die.

Taxation and state power have grown far beyond any legitimate usefulness they might have. Our society is drowning in both. We have given ourselves a fire hose when all we need is a Dixie Cup.

The United States government is the single largest employer in the country. This is obscene.

The government produces nothing of value. Nothing. Why are so many people necessary to produce nothing of value? They are not.

They are wasteful. Would that it were that was all. But they are worse than wasteful. They prevent actual production of value. The government makes it harder for people that wish to produce to do so.

Unreasonable licenses, fees, regulation, red tape and bureaucracy make it so.

Without the production of value, there are no jobs. There is no food. There is no shelter. People produce these things. Government does not.

Indeed, oftentimes people form corporations to produce things. Yet corporations are nothing. They are legal fiction. Corporations are nothing but the individuals that comprise them.

True, government is nothing but people that comprise it. The difference is that people are free to purchase things from the people in a corporation or not, yet people are forcibly coerced into giving money to the government.

To some, this government coercion is fine. To me, it is not.

I make no apology for being anti-government.

I am tired of being criticized for lacking compassion because I am against the government and against the forcible confiscation of people’s money. It is not the government’s job to provide compassion.

It is mine. It is yours.

By sloughing off the responsibility of “compassion” over to the government, some are relieved of the moral burden of being compassionate themselves.

If they vote in favor of government force to take other people’s money to help the needy, they are compassionate. They care. At least that is the fiction under which these misguided people operate. It is so much easier to believe in fiction than reality.

It is not compassionate to take someone else’s money for a cause, no matter how worthy. It is compassionate to voluntarily give money to a cause in which one believes.

Some say charity will never be sufficient to provide for all the worthy causes. That government taxation is necessary to provide for all of these worthy causes. I say these people’s definition of “worthy cause” is overly broad.

If people do not wish to give money to a cause, the cause is not worthy to that person. It is immoral to force that person to give anyway, because government deems it necessary.

It is so much easier to force others to donate than to ask nicely. If one has to ask, then the answer might be “no.”

The faux-compassionate, pro-government faction can not stand for that. They deem themselves too compassionate to give others that freedom.

I am anti-government. I am anti-tax. I am pro-freedom. I am pro-liberty.

And I make no apologies.

BlueCarp

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Tuesday, April 20, 2010

HB 1351 - Payday Lending in Colorado

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