I’m just a regular person making about $70K a year in a big city, and I’ve recently felt incredibly powerless dealing with private companies. For instance, my landlord’s auto-pay system had a glitch that excluded my pet rent and water bill. I ended up with over $1,000 in late fees. Despite hours on the phone, it turns out their system doesn’t really do auto-pay and requires a fixed amount instead of covering the full rent. It feels like a scam, and my options are to pay the fees or potentially spend a fortune on legal action.
Another frustrating experience was trying to cancel my pest control service. I had to endure a 40-minute call followed by 35 minutes of arguing, just to finally cancel. There’s no online cancellation option, and the process felt like a timeshare sales pitch.
Why do ordinary people seem so unprotected against these shady practices, and how can we change this? How does one person even start to address these issues?
In a word. Lobbyists.
It turns out if you throw enough money at people then you can make them do anything you want.
Yep. Welcome to the hell that is corporate capitalism.
Why do ordinary people seem so unprotected against these shady practices
Assuming you are in the USA, it’s fundamentally because our politics is fueled by private money. The “haves” spend lots of money to make rules that protect and enrich themselves at the expense of the “have nots”. The rich get richer, and the rest of us get a larger share of the burden.
The rich then spend more of their money convincing everyone else that some minority group of their fellow “have nots” are to blame and let us fight amongst ourselves. They starve us but leave us with just enough left to lose so that the price of doing something about it is too high (quitting, losing health insurance, getting arrested at a protest, etc) for most of us to bear.
how can we change this?
Get money out of politics. Get the public to stop blaming their fellow have nots and demand change from the haves.
How does one person even start to address these issues?
Have empathy for and help your neighbors if you can, especially when they take the risks required to push for actual change. Talk to people. Organize. Support/start unions or a mutual aid organization. Go to local government meetings and make your voice heard. Run for local office.
Its easy for a small group of wealthy organizations to tilt specific elections or politics in their favor. It’s much harder them to do that in 1,000+ small communities across the nation.
OP I don’t know what state you’re in but in some states like CA a landlord can’t pull shit like this
in California, a landlord cannot compel a tenant to pay rent via electronic transfer. The landlord must provide an alternate means by which the tenant can make payment. See California Civil Code Section 1947.3(a)(1)).
Vote. Seriously. Recent history around consumer protection has been very partisan and this is something that impacts us all
One party creates things like
- cfpb
- net neutrality
- ACA
- education assistance
The other party. Cancels, sues, interrupts. Project 2025 probably tries to entirely destroy
I finally was able to cancel a Telus home security service after they tried to put me in a 3 yr contract. I finally was able to cancel. I sent the equipment back and then they started charging me other monthly fees as if I had renewed. I didn’t even have their equipment anymore.
another 45 minutes on the phone and they say it is finally cancelled. But who knows. I’ll probably have to call again when they take the amount from my bank account despite removing my bank info from their site.
A company with 19.2M users. Imagine how many people are robbed “by mistake.” This is not a mistake but part of their internal procedures.
Cancelling a service even when contract is over is made difficult on purpose.
This is why you never use autopay
only use it on accounts you can easily cancel.
Start organized movements to heavily push for ranked choice voting. If it becomes a national movement then maybe we’ll first start seeing it locally, then on a larger scale.
The US is incredibly bad at reining in capitalism. It also only has two parties that are both heavily influenced by lobbyists.
To fix it, not sure, calling politicians and showing up to stuff will help but it’s always going to be an uphill battle. Anyway, just vote, if you get the option to choose then vote for a third party as long as you’re not in a swing state.
The real solution is still voting reform to get more diverse opinion so if that’s on the ballot vote for it and try to get other people to do the same. The UK missed a major opportunity for voter reform.
This can happen over a couple of generations by removing winner take all representatives for a state and cause a hung parliament. Coalition talks will then be more likely to include concessions on the two state systems to get a governing coalition.
You can look at the UK as being the same only one generation ahead if things go well.
I agree with one correction.
Vote even in non swing states.
There are far too many registered voters who don’t vote.
Texas could be blue every year if half the dem no shows just voted.
Also even less vote outside of the presidential election.
It also only has two parties that are both heavily influenced by lobbyists.
And yet, one party keeps enacting consumer and worker protection laws, with the other party taking them away. HMMM CURIOUS oh well I’m sure they’re both equally bad
Did not the same international business conglomerates and the same billionaires donate to both major political parties?
Yeah I am seeing this more and more. You even see it business to business. We need regulation, monopoly busting, and progressive taxation.
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How to fix: Bloody revolution, that’s about it.
I disagree with this. It’ll take some revolution, but can be avoided bloody.
On revolution I do say vote. The 2022 election was a turnout of 52% of the voting age population. Just barely over half, and that’s the second highest turnout to a nonpresidential election year since 2000. All the oxygen always goes to the Presidency but what OP is dealing with comes up in local elections, and the local and state shit deals far more with your day to day than the national. Hell, when national laws even come up, weed is still schedule 1 “more dangerous than cocaine” to the federal government but just about every state has legalized it.
It’s not a quick solution, and it’s not as simple anymore as “go out and vote” but gotta kick everyone up who hasn’t given a shit (if they’re not voting, think they’ll back you in a revolution?). It’s a fucking slow ass slog that takes daily fighting, like I’ve got a group that I’m the one who posts the ballots, the dates, the links, honestly do everything but bang on their doors and drag them to the polls but it’s a little bit that helps. As I saw “A vote is not a valentine. You’re not professing your love for the candidate. It’s a chess move for the world you want to live in.”
The Republicans have been doing that for years, they’ve never let a single dem run even for superintendent across the country uncontested. They worked slow and methodically to get the supreme court. Their revolution can be argued to have started as far back as Nixon. We’re arguably at their end game, but it seems like they’ve overreached this time, it’s time to start clawing back territory.
The reason though I’m against a bloody revolution is, yes it’s useful as a last resort, but it honestly is at that in the chess analogy above picking up the table, throwing it in the room and starting a riot. You hope you come out okay but at that point it’s really up in the air who comes out on top. Guillotines come up a lot, and France is doing pretty well right now. But remember between modern France and the guillotines was a messy time post revolution that was stabilized by someone who declared himself Emperor and attempted to conquer all of Europe.
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The country was founded by slave owners. After that we had various “industry barons” like railroads, petroleum, automobiles, etc. Now we have multinational corporations (with larger budgets and more power than several countries) calling the shots in congress. It’s always been like this. Post-WWII provided a brief respite, but that limited run of the “American Dream” was temporary and no longer exists.
Part of the solution would be: worker cooperatives. We need a lot more of those. It won’t solve everything, but it’s a really good start.
We need a kind of everybody union.
I had this conversation with lots of people if everyone saw a company is doing things or taking advantage of people imagine if on the exact same day, one million customers canceled their accounts. That kind of unity can give all the power needed to the regular people. But you can’t get people to cooperate or even to have enough self-discipline to go along with something that isn’t for their immediate and measurable benefit. And so the big players know they can abuse and exploit.
Isn’t that ideally what the government is supposed to be? We can’t all individually fight for ourselves, so we vote for people to represent us and work to protect our interests. That is, if politicians actual represented their constituents and not the highest bidder.
Well yes except our government is bought and owned by those corporations. That’s why we are not represented by them.
There’s a simple way to put it, but it’s painful to hear: the bad guys won.
A more perfect union, that can establish justice and domestic tranquility. One that provides for the common defense, promotes the general welfare, and secures the blessing of liberty for ourselves and future generations.
I have had this same thought many times! Vote with our wallets en masse. It’s kind of almost happening to fast food.
We need a kind of everybody union.
In a democracy, that’s called a government.
U.S.A. is not a democracy, it’s an oligarchy. Has been for decades, but more so now than ever before. Corporations have begun to openly ignore law and have no fear of punishment. Because they own the government they write the laws and they decide what happens everywhere.
As I said in a different comment, it’s a painful thing to hear, but the sad simple truth is, the bad guys won.
In Australia ACCC takes care of abusive businesses, surely there must be something like that? Even 3rd world countries like Brazil has something like it.
Nope. America is OWNED by rich people. It’s a corporation and they make the laws so all the laws are to help them have more power.
We have the Federal Trade Comission but it needs to have the balls to really protect us.
Even when they step up its usually a small fine the offender just writes off as the cost of doing business.
Corp breaks a law. Makes $100m profit. Gets $10m fine. All good for the books!!
Basically we got all our rights in the post war period. Baby boomers and their parents had an excellent time, got theirs, then pulled up the ladder behind them. Zoomers will probably fix this but it’ll be interesting to see if it sticks this time.
Ill add a worker cooperative might be even better than a union because a union can easily be corrupt
Any group of people can become corrupt if it is filled with corrupt people.
The country was founded by slave owners.
Thanks for starting your argument with this, so I know I can ignore the rest.
So you don’t understand basic American history or what the word ignore means. Got it.
See also: blaming “capitalism” for literally everything
The unfortunate fact is it is a dog eat dog world, and corporations can and will fuck you over. Maintain a budget, maintain an emergency fund of $10k or 6 months living expenses (whichever is bigger) and be prepared to be screwed over so that when it does happen you don’t find yourself up the proverbial creek without a paddle.
On top of this, as an additional safety net, build a friend group and build a culture within your friend group of helping each other. One friend getting a surgery? Offer to cook for them, or bring them some precooked meals. A friend stuck on the side of the road, offer to come help, even if it’s just as emotional support.
I started this process a few months ago so I’m in a better position now that my work has announced that they’re relocating across the country and basically everyone is losing their jobs over the next 3-9 months. It would’ve been more convenient if this happened a year later, but it is what it is so now I have to shape my next steps and move forwards
A $10k emergency fund? Even banks don’t carry enough cash these days for a working class person to be able to rob a bank to have that kind of money.
Good question and good examples. With things like forced arbitration in user agreements I’d love to know more on how to turn things around on this.
I spoke to a lawyer about something similar to this recently and he basically just laughed at me. Told me there is no way it’s worth it, would cost tens of thousands of dollars to fight it in court and would basically have no gain to me personally at all. Overturning such a small amount no matter how wrong or immoral it is would be extremely costly on both sides but they have way more money to throw at the issue than I do which I totally agree with honestly. So you can do something that’s totally immoral, just as long as you have tons of money behind you to pay for it
And this right here is one of the fundamental injustices of the American legal system. It’s completely fucked that some conglomerate can basically railroad an individual into poverty from a bullshit lawsuit and that private individuals without deep pockets essentially have zero recourse in the legal arena.
Let me guess, red state?
