Private health insurance is the biggest fucking scam ever. The private insurance companies benefit by getting the aggregate healthiest population into their plans (working adults). The most likely to be expensive people, i.e. old people (on medicare) or poor people (on medicaid, or not even on an insurance plan) are on government, tax payer insurance plans. There is literally no reason except for corporate profiteering that Medicare should not be expanded to cover all people.
Also all those conversations, especially in the 2020 election period, were totally bullshit. You say something like M4A will cost 44 trillion dollars or whatever, which sounds like an insane amount of money. What is often left out of the discussion is that estimated cost was 1) over 10 years and 2) has to be weighed against the current costs we already pay for insurance. So the deal was very simple: the overall costs would go down because the overall spending would be less, and at the same time millions of people without coverage would be covered, and at the same time you don't have to contemplate stupid bullshit like in network, out of network providers. Or ever again talk to your insurance about why something is or isn't covered. Boils my blood when I think too much about this.
Not even gonna weigh in on things like how medicare can't negotiate prescription drug prices (https://www.nytimes.com/2023/07/23/us/politics/medicare-drug-price-negotiations-lawsuits.html), or how dental, vision, and hearing are treated separately from general healthcare, or how med school is prohibitively expensive, or how the residents after med school are overworked because the guy who institutionalize that practice was literally a cokehead. Those are all just bonus topics. The point is we are getting fleeced.
The stock market and publicly traded companies. The idea that a business that is making consistent profits isn't good unless those profits are increased each quarter is asinine. This system of shortsighted hyper focus on short term quarterly growth for the sake of growth is the cause of so much pain and suffering in the world. Even companies with amazing financials will work to push workers compensation down, cut corners and exploit loopholes to make sure their profits are always growing. Consistent large profits aren't good enough.
My personal top 3:
- insurance
- subscriptions
- Google and similar data hungry companies (while not a financial scam but moreso a privacy scam, companies like Google and Meta profiteering on our personal data without our knowledge or awareness)
Private health insurance.
Banks.
Homes as wealth-creators.
Americans take it as received wisdom that homes are meant to generate income through higher valuations over time. We just assume home prices go up over time and if it's not actively increasing in value, the home was a failure.
Many other countries don't treat homes this way. They are dwellings, invest what you want to your liking, but it's not a retirement account.
This focus on wealth generation creates lots of perverse incentives, such as exclusionary zoning, building on lots that are overly large, and suburban sprawl. These don't reflect people's actual, desired form of housing but rather maximize wealth for homeowners at the expense of everyone else.
We have a completely warped view of housing that causes us to be preyed upon by real estate agents, landlords, HOAs and the like.
This is the third post I’ve seen on Lemmy recently where people seem to overwhelmingly think the word “scam” just means “something I don’t like”. To be a scam, something needs to be dishonest in its representation, usually either by falsifying the true cost to the buyer, or lying about what is being provided in return.
Shampoo: Washing away the natural oils in our hair, causing the body to produce them in higher volume, causing our hair to get greasy, creating a need for shampoo.
Recycling: Only about 10% of plastic is actually recycled, the rest is sold to countries without environmental laws, and they are dumped irresponsibly. Composting is simple, effective, and would reduce landfill use by about 30%, not to mention creating a useful end product. Yet it is rarely promoted.
Mattresses and box springs: They are worse on our spines and end up causing neck and back issues. Sleeping on a firmer surface, even a thin mattress or pad on the ground, alleviates these issues.
Lawns: Turning a useful piece of land on which we can grow food into a barren wasteland and making it into a chore that requires expensive equipment and encourages chemical use.
Sales tax on food: Some countries and US states have them. It's a tax on existence. Also, taxes on gym memberships and personal protective equipment. The government simultaneously claims it wants healthy, safe citizens, and charges them when they try to be healthy and safe.
The way mobile providers charge. The likes of Vodafone, any random Telecom, T-Mobile and so forth. It's a huge scam, bordering theft sometimes. Want samples? Here we go:
"Your credit expires in x days. Better recharge now to not lose it!" (Banks should start doing this /s)
"Your credit has expired. Better give us more money within our generous deadline, or else we are forced to delete your number. We love you."
"Your data has expired. We now charge you a horrendous amount every minute, because we are too greedy to warn you in time. For technical reasons we also cannot stop you from using data after your allowance has been used. Fortunately you still have credit, huh?"
"Your data expires today. We don't insult your intelligence by telling you when. Surely you remember when you bought the package, right? It's not hard to count 24 hours. We also do not send any SMS anymore to save the environment."
"Your data has expired. You need data to buy a new bundle. Our app charges data for our convenience."
"Social media data only works for WhatsApp, but not for Signal. But who uses Signal anyways?"
"Use our customer friendly support chat. Conveniently it uses data. 'Hello, I am your smart bot speaking. How can I help you? I might understand you if you type one of the three questions I have been programmed to answer. Do you want to know more about our products?'"
Edit: added point 2, minor corrections for clarity
In-game shops
DLCs: Games are expected to have DLCs nowadays, so game devs purposefully hold back some ideas for potential DLCs, often crippling the main game as a result.
Subscription services: For pretty much anything, but especially those automated monthly payments, which you won't bother cancelling, even if you feel like you're not using the service to its fullest.
Asking this question every single week.
Herbalife, fucking herbalife.
This weekend, I went into what looked like an indie smoothie shop and dropped an ungodly amount of money on a delicious sounding shake... only to watch the lady drop a scoops of powder and ONE freeze-dried strawberry into a cup with ice. Tasted like ass.
Yet they do have regulars to that shit, and nobody is taking them out of business. I want my fucking $11 back. So anyone reading this doing a class action against Herbalife, I want in...
But I doubt it, since it's a scam that's so normalized we don't realize it's a scam anymore.
National pension is a ponzi scheme and as our population declines it will be impossible to pay it back.
With private insurance, you are given worse options and they will do anything in their power not to pay it. For the average person, you will also have paid more in the long run with insurance than without it, even if you had an accident.
Chiropractors are harmful for your body even if your issue is spine-related. Go to an orthopedist.
I'll try to list things that aren't in the typical internet echo chamber. Bring on the controversy. These are just my opinions.
50% of the shelf space at the grocery store is just different forms of corn syrup, sometimes with some trans fat mixed in, generationally twisting our idea of what food is in a race to the cheapest, most addictive product.
The only way it's profitable for someone to knock on your door to sell ANYTHING is if they are obscenely inflating the price (think 100-600% markup)
Most supplements, especially expensive ones with TV ads
Dr Scholl's and the goodfeet store
Genuine leather is just about the opposite of what you'd think
Bamboo fabric which is pretty much just a different way to say rayon but is pitched as a revolutionary and environmentally friendly cloth
Most bladeless fans just hide fan blades in the base
Many cleaning products don't do better than diluted soap and water (even for sanitizing) especially the ones with TV ads
Financial planners who are actually financial product salespeople
Most single-purpose kitchen gadgets, especially as-seen-on-TV
The realtors racket: I just paid $30k for an internet posting and mediocre advice
Many personal hygiene products are just repackaging the same two or three active ingredients by the same one or two megacorporations
Essential oils (even ignoring mystical claims) big names charge an order of magnitude higher than they should
The internet.
And no I don't mean every single part of it. But somewhere along the line there became an expectation that the internet be free. That continued for sites that rapidly grew well beyond the point where it was reasonable for them to be maintained for free, but instead of a natural progression where we pay for things we use, we simply became the product of the internet at large in the form of data about every aspect of our lives.
We now live and exist in a world where very little of what we do is private in any way, our preferences and relationships and tendencies are digitized and correlated and used against us largely without our active, conscious knowledge. And it's all so Gmail, Facebook, and YouTube can be free. Or rather..."free".
It has always felt like the biggest scam ever to me, that everything I do and think online should be bought and sold without me really ever having much of a chance to have a say in that.
Car dealerships.
Organized religion.
Nothing comes even remotely close.
Religion.
Health insurance.
Social media
Fashion
Companies being the sole arbiters of OTA "Upgrades" and DRM "purchases".
Religion. The all-time champion, no contest, just as George Carlin said:
most cheap things that fall apart after a short time
Credit cards and everything to do with the debt trap.
Things used to be a lot simpler & cheaper in the US, but then we passed the War Revenue Act in 1917 which drastically increased the budget & helped to pay for the war. They probably saw all that money rolling in & got greedy. What was initially designed as a war-time fund raising effort is now just standard taxation, it has gotten worse, and the people being born & working & dying nowadays don't know anything different.
The government wastes so much money. Whose money? They don't have any money! They're wasting our money, that they extract from us via taxation.
We are financially raped into the ground, not allowed to enjoy the fruits of our own labor.
The Mormons.
Phone companies charging you for caller ID. It must cost them nothing.
Intelectual property and patents. (Copying ideas and modifing them was always a part on how societies advances.)
Non disclosure agreements. (Allows company to monopolize on your knowledge and force you out of the industry altogether)
Lottery (a way to extract money from the poorest/dumbest members of the society)
@mastermind Software as a service
Probably not originally a scam but something about Tax, maybe it's just me but taxes are suppose for the betterment of society. Everyone suppose to pay their fair share of tax yet it's strange that we can't even see how are taxes were used to improve society. There is no breakdown like a receipt on how our tax was used. While we file taxes we have to be meticulus or we get ourselves in trouble.
Stores and restaurants increasing their base prices to promote discounts from data harvesting apps.
People who vote for conservatives
Enclosure
"The law locks up the man or woman Who steals the goose from off the common, But lets the greater felon loose Who steals the common from the goose."Marketing and advertising. They show a huge, juicy, scrumptous nice quality burger. You go to buy it and it's a cold, limp, tiny, frail nothing burger.
There used to be a law about false advertising. But it doesn't seem to be enforced anymore. Marketing and advertising can lie straight to your face. Its not right and shouldnt be tolerated.
And Americans are so complacent about it, they say things like, "It's , what'd you expect?" Instead of demanding what was advertised. It's soul crushing. It's like we've given up.
American Colleges.
Honest questions. Why do you seem unable to change anything of this? If you leave in a democratic country, why the majority of people won't change the second amendment, the college tuition scam, swap to a free healthcare system, and vote people that won't start another war in the name of democracy?
EDIT: I reckon it's complicated, but you must have some opinions about the final motive(s) for this. Who/what is keeping things like this?
Daily life
Working from home, but not being payed rent for the space.
Profit.
In the ideal situation, resources are transformed into goods with zero waste and with fair compensation for every person involved in that process. Any expense outside of costs and pay for the people involved is either inevitable inefficiency due to our imperfect technology or the laws of physics, or it is some sort of scam, and thus profit itself is a scam.
Printing money.
Tax
Religion
Insurance. A promise they try really hard to break.
Fiat currencies like USD and Euro.
Brake service
College
That we are not paid for our browsing data, app data, etc.
capitalism
