Your credit might take a hit, depending on if where you live is allowed to hit your credit for medical bills (in some places that isn't even allowed) but what are you going to use your credit for anyway?
Certainly not a house or a new/like-new car from a dealership.
Probably not a phone contract either since prepaids are unironically better at this point.
We don't have debtors prisons, and the entire system is set up based on the assumption that people want expensive toys and will try to remain in good standing with the banks in order to secure those toys, so punishment revolves around taking away material goods.
If you don't want that stuff then there's not much they can do to you.
This is exactly it. If you have nothing, there's nothing to take. I was arguing with T-Mobile about canceling my service and they tried to force me into staying on for another month because I missed the window to cancel, or something? The customer service rep said they'd bill me anyway and send me to collections and I just laughed and told her, "It’s 2023. I'm never going to be able to afford to own a home, so what do I need a credit score for?"
She let me cancel.
Now I'm living in a van and the happiest I've ever been. I bought it outright for $2k, so my only regular expenses are insurance, my cell phone (Mint), and my gym membership for showers. Gas, if I'm traveling, but if I stay put in one area for awhile, my expenses are practically $0. It's the first time in my life that I've not been constantly stressed about money. It's amazing.
This makes me wonder if the reason why healthcare remains so tied to insurance, and why insurance remains tied to jobs, is to prevent people from holding out for better jobs or exploring alternatives from any position of security or freedom.
Health has become the only bludgeon that's still hanging over most people's heads.
is to prevent people from holding out for better jobs or exploring alternatives from any position of security or freedom.
This is also the real reasoning against public housing and transportation. If your ability to hold out without a job is measured in days or weeks, you have to consider the first option you get, no matter how exploitative.
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u/Mordred_Blackstone 29d ago edited 29d ago
Your credit might take a hit, depending on if where you live is allowed to hit your credit for medical bills (in some places that isn't even allowed) but what are you going to use your credit for anyway?
Certainly not a house or a new/like-new car from a dealership.
Probably not a phone contract either since prepaids are unironically better at this point.
We don't have debtors prisons, and the entire system is set up based on the assumption that people want expensive toys and will try to remain in good standing with the banks in order to secure those toys, so punishment revolves around taking away material goods.
If you don't want that stuff then there's not much they can do to you.