our last “just war” that was even a little cut and dry was world war two.

The Balkans were pretty cut and dry in justified intent.

It was an intervention into the worst genocide in Europe since WW2. We’re talking not only wholesale slaughter of civilians, but even the establishment of literal rape camps as part of an organized, systemic campaign of ethnic cleansing. What was happening in the former Yugoslavia was absolutely horrific and the US and NATO stepping in to put an end to it was an unequivocally good thing.

That said, there were still questionable incidents like the “accidental” bombing of the Chinese embassy or the numerous cases of civilians killed by NATO bombs. But that mostly emphasizes the fact that there’s no such thing as a clean war. War is always going to leave blood on your hands, even if it’s being fought for the right reasons.

This comment is kind of fascinating because it’s essentially reinventing Slashdot’s metamoderation system 25 years later.

It was good then. No reason it wouldn’t work again today.

Kurt Cobain has been dead longer than Kurt Cobain was alive at this point.

I had a few years of young and dumb followed by struggling through the great recession that pretty well wrecked my credit early on.

I then went through a few years while rebuilding where I really dug into learning how the credit system works and gaming it to my advantage. It was literally a case of getting entertainment out of “number goes up.” I got bored with it once my available lines of credit hit a couple multiples of my annual income, but the end result was having a basically perfect credit score.

It ultimately paid off when it came time to buy a car and get a mortgage. Basically had immediate access to the absolute best rates available and approvals have always gone super smooth.

The flip side of that is my SO who never went through the young and dumb stage and hadn’t needed to rebuild credit, but had a similar “fuck credit” attitude as the OP so they’d never had credit in the first place. The fortunate thing there is we were able to jump start their credit history by adding them as an authorized user on one of my older accounts with a high line of credit – this gave a massive boost to both average account age and available credit and pretty much instantly brought their score up from the 5-600s to low 700s. Add in a few more deliberate things like financing a car instead of paying cash and now they’ve got enough of a credit profile built up that it’ll be okay if anything ever happens to me.

Obviously, that requires a lot of trust, but it’s good info for relationships where one partner has established credit and the other doesn’t.

For myself, I simply dislike the usury present in the debt market for consumers and have decided not to engage with it.

You’re engaged with it whether you like it or not.

Credit cards are a reality of the modern economy. There are costs associated with every credit card transaction and, due to the ubiquity of credit cards, those costs are priced in to nearly every single purchase you make. Because most merchants charge the same price regardless of payment type, this effectively means that your cash purchases are subsidizing my purchases made with a rewards credit card that has its balance paid off each month by a couple of percent.

You can choose to opt out, but that doesn’t mean you’re not playing the game either way.

I request a credit increase every time I get a raise or every 6 months, whichever happens first. Why get credit I dont need? In case I ever do need it, but more important is that debt ratio. That is what gets you good loan rates. Do it before you need it, and you will be set.

There’s also a feedback loop here – once the credit limit increase hits your report, other creditors see it and are more likely to extend increased limits to you. I went through a few years where AmEx and Discover both seemed intent on being my highest limit card and would preemptively offer CLIs after the other one had.

And to expound on your point re: credit utilization ratios - this is another area where having higher limits than you need helps. Your percentage utilized of available credit has a huge impact on your overall score. Having a higher limit means that if you need to carry a balance due to an emergency spend, it’ll have less impact on your score.

e.g., you have an emergency expense of $700 with a line of credit of $1000. Your utilization is now at 70%. This will have a negative impact on your score pretty quickly.

Take the same $700 spend and apply it to a $5000 line of credit and you’re only at 14% utilization. That’ll still have an impact but much less than anything over ~30% utilization.

Even beyond emergencies, if you use a credit card to pay fixed bills each month and then immediately pay them off, you’ll occasionally have months where the payment credits after your statement date and hits your credit report – same deal there. It looks much better on your report if that balance is a fraction of your available credit than if it takes up a large chunk of it.

The last point is purely a configuration thing. Our Teams instance only keeps DMs for I think 30ish days – legal wants to minimize the surface area of discoverable material. Same reason our Exchange instance nukes emails over 12 months old unless you manually move them to an archive.

This is basically every major enterprise ticketing system. They’re typically extremely customizable over-featured behemoths so that they can check all the buzzword boxes for the people that make purchasing decisions but will never actually use the system.

"It’s a fully integrated Agile ITIL DevOps CMDB that empowers your users while providing generative KPIs to guide business decisions!”

Then, on top of that, ownership of it is generally dropped on a team that is completely incapable of properly managing it from both a technical ability and sheer manpower availability standpoint. So each install ends up becoming an overly complex, confusing, terribly performing mess.

I think I’ve seen one reasonably well managed install in the couple decades I’ve been doing this, a couple of more that were mildly jank but usable, and then everything else has been a pit of despair largely driven by the above.