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.
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.
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)
People pay every month but most don't use the sub to it's full value, and forget how expensive it becomes over the years. And you don't own anything on a subscription, you just borrow it.
Also trial periods that prolong automatically into subscriptions.
The tradition isn't as old as people think and was literally started by a jewelry company to sell more jewelry. Specifically diamonds, which are not as rare as commonly believed and if not for the false scarcity and misinformation, would be dirt cheap.
Car dealerships. They are awful on purpose. In many places car manufacturers are not legally allowed to sell their cars directly to customers, in order to create what is essentially legally mandated car dealerships, which all suck.
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.
Windows.
You pay ~100€ just to give your personal data to MS and get a bloated OS that will use all of your resources. Even MacOS is a more fair deal than this.
Credit scores. It goes up when you have more debt and goes down when you pay your debt off, but it goes down if you ask for a loan and it goes down if you even try to check what it is.
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.
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
It's hard to pick just one because, duh, capitalism is inherently a scam.
But if I were to pick just one, it'd have to be the airlines. They're beyond necessary yet every year they pull some insane shit and no one bats an eye. And no matter what they're always crying poor and merging merging merging. Can't you see, they have to - they have no choice.
First the food costs extra. Then the drinks. Then the bags you check in. Then they charge you to sit in the exit aisle because you get an extra 3 inches. They literally say now it's "impossible" to book two tickets seated together unless you pay an extra fee. Impossible, you say? How the fuck were you able to do it for so long up until 2022???
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 "Covid is over" propaganda. Covid is not over. It is still killing people, still disabling people, still giving people lifelong autoimmune conditions and other long-term health problems. "Covid is over" Is code for "Go back to work so the capitalist class can reap the rewards of your labor, no matter how dead or disabled you become in the process."
Car centric cities. Cities can and should be designed for people, keeping cars mostly out. The result is beautiful cities designed for people that make governments lots of money but the car companies will be earning a little less, ooffff
Make cities walkable, create actual safe roads for bikes, create 15 minute cities.
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.
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.
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.
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
Retirement savings connected to the stockk market. Gives a perverse incentive for everyone to continue the wealth transfer upwards, since the stock market is largely based on the vibes of a handful of very rich people.
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.
Let's take android for example. There are legitimate security implementations like SELinux, full disk encryption but something like samsung's knox is useless outside of enterprise use and kills OS level modifications
Penny auction apps like dealdash, they always have bots that will outbid you so you can never actually win one of their auctions. If you do win an auction, you're not actually guaranteed to ever the see the product you won.
College. The learning is fine, the cost is freaking out of hand. I never went and have no regrets. My daughter is going now and I feel like I'm supporting a scam.
Car rental - I'm 95% sure I don't need any of those extra insurances but due to pressure and fear tactics (you do want to be covered if x happens, right?), it's hard to know in the moment.
Battle passes and most microtransactions in games. Day one patches, and GaaS games, always online games and expiring media licenses. VAC bans on Steam.
So much shit around bicycles is a scam because barring some major inventions like shocks for mountainbikes or maybe carbon frames it's very much a solved problem, but it doesn't fit into a capitalist economy if everybody just buys one bicycle and then occasionally parts for it to fix it.
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.
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?
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.
Cites are like that BECAUSE they are not designed for people but for cars.
Design your city to be nice and people will come. Once people come, crime will go down. Of you design a shithole then don't complain about the shit.
Start when? Tomorrow. Start how? Anywhere. Being with new construction requiring design for humans first. Make streets smaller and single direction. Build bicycle roads.
Oh also, stop the car manufacturer's lobbyists because they don't give a fuck that US cities are shit holes, they want to sell you more cars.
The Netherlands did t listen to them and see what it looks like now.
Massage school. They say they’re teaching you a trade and will help with job placement but there is a glut of graduates and not enough jobs for them. Yet the school keeps signing up new students because that’s how they make money.
Mortgages needing to be renewed every 5 years so that banks can jack the the interest rate. Cap residential mortgages at 25 years max and 2% interest for the duration.
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.
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.