Well the main thing is the concentration of capital. Guys like Jeff Bezos aren’t interested in founding cooperatively-owned companies, and they have all of the money. Add in the fact that average people are very strongly atomized and prevented from forming stable social bonds, and the likelihood that you’ll get a cadre of people together who want to start a cooperative business and can also afford to do so is very, very low.
That said, the few coops that manage to exist are often the best places in their industry to work, precisely because the profits are shared more equally than in the more common private or publicly traded corporations.
Yes. And it is deeply unfair in how it rewards entrenched wealth rather than giving everyone equal opportunities. That’s why socialists are opposed to it.
This is ironically a poor sales pitch, unless you believe that networking, marketing, and familial wealth should be what orders society.
And I never said that 250k was all they had, and in fact being able to throw that much money at something is going to be less and less of a concern the more money you have, though I don’t think his family was “poor as hell” to start with. Unfortunately for this point, their finances at the time are not publicized that I can find.
250k is a lot of money. It was more even more money in the 90s. Its an exceptionally large amount of money to recieve for free straight from your parents.
People don’t become billionaires from working. They become billionaires by taking profit from the surplus value of other peoples work.
But you believe in a propagandized version of capitaliam where everyone could equally become a billionaire, its a meritocracy, you’re all jealous and lazy of our deserving overlords
I’m legit trying to figure out the logic that determined which of his posts he should delete and which ones he shouldn’t. Seems like it’s whatever was getting a lot of replies, but also some other random ones for fun?
Where do they get the business owner who wants to do that? Can it happen? Sure, it has. But thats not going to happen for most bussiness operation in capitalist countries. Can workers get the money to buy out their owners? Sure. But that’s not super likely in most situations either.
I’m sure this dude is bullshitting literally every single thing he’s saying. Anytime someone makes a reasonable reply his immediate response is to demand proof. I would not be surprised if everything this person has said is a lie.
Sure: becoming a member of a corporation costs money. You either have to pay to get it set up or buy a share to get in so those who already paid are made whole.
Unfortunately, the US as an example, our society is structured such that the majority of people here have zero savings with wages decreasing in value every year due to inflation. A person in this situation cannot produce money to buy-in; squeezing water from a stone situation.
All people are essentially born with no assets, and if they want to secure wealth, they must sell their labor to achieve it.
In other words, children of parents who own an outsized number of assets do not have to sell their labor to achieve it, because it is offset by their parents assets. This inherently produces an unequal/unbalanced system where some people simply never have to work this way. This is why extremely in-demand internships at companies in places like New York City are often unpaid, and thus generally end up going to people who already have money, access, and support systems. Because only those kind of people can afford to take on an unpaid internship to move upward in the capitalist system.
This is also the source of generational poverty, because it can be really hard to escape when generation after generation are born to no assets.
This is an area I have said needs to be taxed to hell, there is no good reason we should allow the passing of wealth without heavy penalty. I’m convinced that if we taxed all forms of wealth transfer at something like 80%, we could pretty much get rid of income tax. Income you have earned should be your entitlement, assets passed down to you should be where the taxes cut in.
So, you have to sell off 80% of your dead mother’s mementos unless you’re rich? Careful—your proposal is good in spirit, but has ugly side effects that need to be carefully avoided.
I’d rather sell off mementos than lose livelihood. We all know the top 1% shelter and live off non income based tax shelters, and then just pass those shelters on through legacies. Given the arbitrary caps on assets your grandmother’s Polaroids would likely be safe. You wont see good faith attempts to fix taxes regardless though, as politicians are in the business of making money, so would never go after their own livelihood.
Inflation’s been happening since currency was created. We don’t notice day to day because the effects are stretched over a long period.
Try calculating the value of a 2010 dollar against the current 2023 dollar. You’ll find the cumulative effect of ~5% inflation each year is significant.
In addition, periods exist throughout American history during which inflation has spiked noticably within a year or two - this is nowhere near the first time.
Nothing stops them! except shitty wages that are not enough to pay your absurdly high bills for housing, utility and shitty food plus competition which does not treat their eorkers fair and is therefore much more profitable and can easily destroy your worker-friendly cooperative, which they totally will do because CAPITALISM
Those lazy commies with their limp wristed excuses like: “The reality of living under a capitalist society”. Why don’t they just eat some bootstrap stew like my pa did and die of preventable illness generating labor value for someone else?
Wait…so these are your examples of people who “did something”
Do you realize that the edge every single one of these companies had over the others is the willingness to do whatever it takes to extract as much value from labor for the least amount of money, right?
You are just making the case for the complete destruction of capitalism. Only soulless psychopaths are rewarded here. Winning is not beating these people at the same psychotic game that they’re playing.
This is the reasoning that leads to “if you think medicines are too expensive, stop buying them” with much the same problem of it not being quite that simple for the majority of humanity, whose “choices” are not as unconstrained as the ones you’re familiar with.
It’s just how the world works. You want a job. they offer X, you want Y. Don’t take it until they offer Y. If they don’t offer it, then go somewhere else. Unless you live in a communist country, the worker always has the advantage as there are more jobs than people.
No one cares if you “buy into” anything. It exists whether you believe it or not.
The entire point of keeping unemployment at certain levels is so capitalists can dictate wages and responsibilities. It’s not a secret. Bourgeois media openly panics whenever unemployment levels get too low.
No, it doesn’t exist because you claim it’s true. It’s just silly talk. It is word vomit. I am paid for the work I do and the value I create. If I don’t like their offer, I can go somewhere else and make more. I control what I want to make.
I try to tell myself that most of the people bought into capitalism can be rehabilitated, maybe some just need to spend a few years breaking rocks to get it through their heads that other people fucking exist on this planet.
Reading your comments has made me re-evaluate that
There is nothing to rehabilitate. It is a solid system where people can flourish. It’s why people flee communism to come to America. The quality of life is just that much better.
I don’t buy into that lame beta theory of gravity. You go down. If you don’t feel like going down, go up. It’s that simple. That is the beauty of jumping. I can jump as high as I want
Tesla is not close to bigger than GM. They only make consumer vehicles and maybe a model of semi truck but I don’t think that’s being produced yet, while GM has been making consumer cars in addition to commercial and military vehicles for decades. They might be valued as more but that doesn’t really say anything in practical terms.
People will donate a significant portion of their wages to ineffectual radical politicians but won’t bother to consolidate capital to support co-ops. That’s the actual system I see.
Surprise, when there are obstacles standing in the way of your goals, people may mention those obstacles when asked about progress towards their goals.
What an absolute flaccid take.
So ah… What’s the issue then? You can have what you want under capitalism. Attacking the system is forcing your own on others. This is unironically what makes socialism unpopular in the context of history.
The western left doesn’t agree on one form of socialism to align around so it is both impossible to criticize with any specificity and serves as a catch-all in opposition to the current system. It breaks down when they suddenly have to align on specific policies.
That’s a good thing; socialism is a fledgling idea. It needs discoure and experimentation. The attack that lack of exact details and perfect cohesion is an empty one.
The system actively discourages that. It was tried in the 70s. Banks wouldn’t work with coops because they were diffrent. Other companies wouldn’t work with them because they didn’t being as high a ROI. They were more efficient and stable, but under capitalism none of that matters.
Only in the most technical of technical senses. Much like “there’s nothing stopping someone who’s born poor from becoming a millionaire”. Legally? No. Practically? Yes, there’s so freakin many barriers to such a thing happening, it’s almost statistically impossible. It’s so rare that when it happens it makes national headlines.
Poor people who became millionaires exist, but they’re a rounding error. I don’t think you’re one of them, though I bet you tell yourself that. Having daddy pay for your tuition or whatever is just conveniently left out.
Actually, I bet you’re not even a millionaire.
Whatever it is, the point is that what you’re claiming is so statistically rare, I don’t believe you. And then you’re also claiming it’s common.
You clearly know nothing of the coffee industry. Don’t speak on a topic if you literally know nothing. Third wave coffee exists because of the inherent abuse of the workers who actually harvest coffee. That you’re so naive to even think that the person behind the counter is the end of who is part of Starbucks is shockingly sad considering how much you’re trying to fight for something that is dependent on you needing a much better understanding of what you’re talking about.
I never said Starbucks owns the slave labor. But to ignore the influence they have is outstandingly naive. Like, do you think at all before replying? Are you in middle school and have any idea how the real world operates?
I think the point the other user was trying to make is that Starbucks already has connections, and they are able to source their coffee from more shady sources if they really want to. Someone starting out new has no such connections and will pay a higher price for their beans than Starbucks, ergo, they have to find something else to compete on other than price (which I think is possible, I live near many local coffee shops, including some worker co-ops). However, you’re still dealing with Starbucks having a larger presence than you, economically, and them being able to source cheaper goods due to economies of scale. I would think you’re already familiar with this. You’re correct in asserting that you’re stuck just having to “believe” your sources don’t use slave labor, because you’re sourcing it from another country. Starbucks at least has the money to check on such things, if they so choose.
The point that I was trying to make was that Starbucks works with more than just the people at the counter, which is how you characterized it. Moving goalposts now isn’t very helpful.
Starbucks doesn’t own the farms. They buy the beans from the people growing them. The exact same thing you would do if you started a coffee chain or you would buy from a wholesaler…
It’s so insanely more complicated than that. Not all farms are equal.
Yeah, and a third party candidate could be voted into every seat and the presidency, but it’s so stacked against it occurring, it’s effectively impossible.
The state of the economy today is what’s stopping a vast majority of people from doing so. You can open a coffee shop and survive, but you could never compete against Starbucks. You would not even dent their bottom line. You would need hundreds of millions of dollars to realistically compete. Capitalism has brought us to a point where a majority of folks need to sell their idea to investors, further separating most workers from the value of their work.
Edit: I’m really tired of the naive and childish defenses most people put up for capitalism. “Nothing is stopping you.” Yeah and “nothing” is stopping a transgender women from becoming our next president by the same definition of “nothing”. Might as well say nothing is stopping you from passing through walls as quantum mechanics says it’s possible.
Dutch brothers by revenue is essentially a drive through energy drink stand, not a coffee company and Peet’s is owned by a holding company that got rich off of Nazi work camp labor.
Peet’s had 4 stores before it started changing hands, Peet’s and Starbucks famously did not compete with each other for years, and Starbucks wasn’t even selling brewed coffee before it was taken over by Shultz and venture capital.
But from my experience in the industry, your confident incorrectness is perfectly in character for a coffee shop owner.
You haven’t owned coffee places. You’ve been entirely wrong on how to source coffee plus your description of what even makes coffee. If you used to own them, you probably ran them into the ground. You’re objectively wrong on coffee production.
You seem to think to compete, you have to grow larger.
You need to at least meet inflation, if not outpace it. Moreover, you’re not competing if you aren’t actually trying to battle. Competition breeds innovation. If you do not compete and do not get better or try to improve, society would degrade and regress. Come on. Before you respond next time, just think about what the consequence of what you’re saying is before.you actually hit the button. It saves us a lot of time.
Even if, hypothetically, 65% of people owned their homes outright, that’s still over a third of the population who can’t even consider getting a loan like you described.
And for those that COULD, they’re betting their entire life on it. People with money can afford to take risks. It’s not an even playing field, at all.
deleted by creator
Fully stop? No, not technically. But our society makes it as close to impossible as it can be without being illegal
deleted by creator
Well the main thing is the concentration of capital. Guys like Jeff Bezos aren’t interested in founding cooperatively-owned companies, and they have all of the money. Add in the fact that average people are very strongly atomized and prevented from forming stable social bonds, and the likelihood that you’ll get a cadre of people together who want to start a cooperative business and can also afford to do so is very, very low.
That said, the few coops that manage to exist are often the best places in their industry to work, precisely because the profits are shared more equally than in the more common private or publicly traded corporations.
deleted by creator
Just a small loan of a quarter million dollars from his parents to bail out his failing company, which one would be hard-pressed to imagine he would have even had that much success in founding if not for his wealthy parents supporting his upbringing as they did.
deleted by creator
Yes. And it is deeply unfair in how it rewards entrenched wealth rather than giving everyone equal opportunities. That’s why socialists are opposed to it.
deleted by creator
This is ironically a poor sales pitch, unless you believe that networking, marketing, and familial wealth should be what orders society.
And I never said that 250k was all they had, and in fact being able to throw that much money at something is going to be less and less of a concern the more money you have, though I don’t think his family was “poor as hell” to start with. Unfortunately for this point, their finances at the time are not publicized that I can find.
deleted by creator
He started out with a small loan of $250,000 from his parents, in 90s $s if memory serves.
You’re just a
aren’t you? Lazy workers could be billionaires if they just tried
deleted by creator
250k is a lot of money. It was more even more money in the 90s. Its an exceptionally large amount of money to recieve for free straight from your parents.
People don’t become billionaires from working. They become billionaires by taking profit from the surplus value of other peoples work.
But you believe in a propagandized version of capitaliam where everyone could equally become a billionaire, its a meritocracy, you’re all jealous and lazy of our deserving overlords
deleted by creator
deleted by creator
I’m legit trying to figure out the logic that determined which of his posts he should delete and which ones he shouldn’t. Seems like it’s whatever was getting a lot of replies, but also some other random ones for fun?
Where do yhey get the money to buy the business?
deleted by creator
Where do they get the business owner who wants to do that? Can it happen? Sure, it has. But thats not going to happen for most bussiness operation in capitalist countries. Can workers get the money to buy out their owners? Sure. But that’s not super likely in most situations either.
deleted by creator
Cool. Thats several people. Thats not the majority of the capitalist system.
I’m sure this dude is bullshitting literally every single thing he’s saying. Anytime someone makes a reasonable reply his immediate response is to demand proof. I would not be surprised if everything this person has said is a lie.
deleted by creator
Sure: becoming a member of a corporation costs money. You either have to pay to get it set up or buy a share to get in so those who already paid are made whole.
Unfortunately, the US as an example, our society is structured such that the majority of people here have zero savings with wages decreasing in value every year due to inflation. A person in this situation cannot produce money to buy-in; squeezing water from a stone situation.
All people are essentially born with no assets, and if they want to secure wealth, they must sell their labor to achieve it.
In other words, children of parents who own an outsized number of assets do not have to sell their labor to achieve it, because it is offset by their parents assets. This inherently produces an unequal/unbalanced system where some people simply never have to work this way. This is why extremely in-demand internships at companies in places like New York City are often unpaid, and thus generally end up going to people who already have money, access, and support systems. Because only those kind of people can afford to take on an unpaid internship to move upward in the capitalist system.
This is also the source of generational poverty, because it can be really hard to escape when generation after generation are born to no assets.
False. The children of rich people are born rich. That’s a major part of the problem. It creates dynasties.
This is an area I have said needs to be taxed to hell, there is no good reason we should allow the passing of wealth without heavy penalty. I’m convinced that if we taxed all forms of wealth transfer at something like 80%, we could pretty much get rid of income tax. Income you have earned should be your entitlement, assets passed down to you should be where the taxes cut in.
So, you have to sell off 80% of your dead mother’s mementos unless you’re rich? Careful—your proposal is good in spirit, but has ugly side effects that need to be carefully avoided.
I’d rather sell off mementos than lose livelihood. We all know the top 1% shelter and live off non income based tax shelters, and then just pass those shelters on through legacies. Given the arbitrary caps on assets your grandmother’s Polaroids would likely be safe. You wont see good faith attempts to fix taxes regardless though, as politicians are in the business of making money, so would never go after their own livelihood.
deleted by creator
Inflation’s been happening since currency was created. We don’t notice day to day because the effects are stretched over a long period.
Try calculating the value of a 2010 dollar against the current 2023 dollar. You’ll find the cumulative effect of ~5% inflation each year is significant.
In addition, periods exist throughout American history during which inflation has spiked noticably within a year or two - this is nowhere near the first time.
Nothing stops them! except shitty wages that are not enough to pay your absurdly high bills for housing, utility and shitty food plus competition which does not treat their eorkers fair and is therefore much more profitable and can easily destroy your worker-friendly cooperative, which they totally will do because CAPITALISM
deleted by creator
Those lazy commies with their limp wristed excuses like: “The reality of living under a capitalist society”. Why don’t they just eat some bootstrap stew like my pa did and die of preventable illness generating labor value for someone else?
deleted by creator
We were talking about worker-owned companies, none of those are worker-owned companies and therefore don’t actually refute anything.
Massive inefficient redundancies that ended up making rich people money and hurting the poor? Yeah, fuck that.
Wait…so these are your examples of people who “did something”
Do you realize that the edge every single one of these companies had over the others is the willingness to do whatever it takes to extract as much value from labor for the least amount of money, right?
You are just making the case for the complete destruction of capitalism. Only soulless psychopaths are rewarded here. Winning is not beating these people at the same psychotic game that they’re playing.
deleted by creator
This is the reasoning that leads to “if you think medicines are too expensive, stop buying them” with much the same problem of it not being quite that simple for the majority of humanity, whose “choices” are not as unconstrained as the ones you’re familiar with.
It’s just how the world works. You want a job. they offer X, you want Y. Don’t take it until they offer Y. If they don’t offer it, then go somewhere else. Unless you live in a communist country, the worker always has the advantage as there are more jobs than people.
Just because you say you enjoy the taste of shoe polish doesn’t mean you’re not a pathetic bootlicker.
You sound so effeminate when you say that. I would feel sad for you, but your statement does that for you. Bootlicker. lol… jesus that is lame.
No one cares if you “buy into” anything. It exists whether you believe it or not.
The entire point of keeping unemployment at certain levels is so capitalists can dictate wages and responsibilities. It’s not a secret. Bourgeois media openly panics whenever unemployment levels get too low.
No, it doesn’t exist because you claim it’s true. It’s just silly talk. It is word vomit. I am paid for the work I do and the value I create. If I don’t like their offer, I can go somewhere else and make more. I control what I want to make.
I try to tell myself that most of the people bought into capitalism can be rehabilitated, maybe some just need to spend a few years breaking rocks to get it through their heads that other people fucking exist on this planet.
Reading your comments has made me re-evaluate that
There is nothing to rehabilitate. It is a solid system where people can flourish. It’s why people flee communism to come to America. The quality of life is just that much better.
I don’t buy into that lame beta theory of gravity. You go down. If you don’t feel like going down, go up. It’s that simple. That is the beauty of jumping. I can jump as high as I want
Tesla is not close to bigger than GM. They only make consumer vehicles and maybe a model of semi truck but I don’t think that’s being produced yet, while GM has been making consumer cars in addition to commercial and military vehicles for decades. They might be valued as more but that doesn’t really say anything in practical terms.
deleted by creator
Bubbles are fun.
The problem with notable examples is that they’re pretty much never representative examples.
You’re asking people with little to no resources to take on people who have all the resources.
You don’t seem like you understand modern capitalism.
People will donate a significant portion of their wages to ineffectual radical politicians but won’t bother to consolidate capital to support co-ops. That’s the actual system I see.
What poor people do you think are donating wages to “radical politicians”? Have you ever met any poor people?
deleted by creator
Wanna loan me $850,000 so I can start my own business? If it works I’ll pay you back in 20 years.
deleted by creator
You do not.
Surprise, when there are obstacles standing in the way of your goals, people may mention those obstacles when asked about progress towards their goals. What an absolute flaccid take.
Did… did I say they couldn’t? I think this continues to be a misunderstanding of what socialists believe.
So ah… What’s the issue then? You can have what you want under capitalism. Attacking the system is forcing your own on others. This is unironically what makes socialism unpopular in the context of history.
Did I attack the system in my comment or did I give a bear bones breakdown of what socialism is?
https://lemmy.ml/comment/2892938
https://lemmy.ml/comment/2892727
Maybe even check my other posts in this thread to get a better idea of my opinion on this instead of jumping to conclusions.
Good luck here lol
The western left doesn’t agree on one form of socialism to align around so it is both impossible to criticize with any specificity and serves as a catch-all in opposition to the current system. It breaks down when they suddenly have to align on specific policies.
That’s a good thing; socialism is a fledgling idea. It needs discoure and experimentation. The attack that lack of exact details and perfect cohesion is an empty one.
Wanting to burn down the system without a coherent and specific approach to replace it only hurts people.
The system actively discourages that. It was tried in the 70s. Banks wouldn’t work with coops because they were diffrent. Other companies wouldn’t work with them because they didn’t being as high a ROI. They were more efficient and stable, but under capitalism none of that matters.
Only in the most technical of technical senses. Much like “there’s nothing stopping someone who’s born poor from becoming a millionaire”. Legally? No. Practically? Yes, there’s so freakin many barriers to such a thing happening, it’s almost statistically impossible. It’s so rare that when it happens it makes national headlines.
deleted by creator
Ok now I know you’re a troll. And a liar.
Poor people who became millionaires exist, but they’re a rounding error. I don’t think you’re one of them, though I bet you tell yourself that. Having daddy pay for your tuition or whatever is just conveniently left out.
Actually, I bet you’re not even a millionaire.
Whatever it is, the point is that what you’re claiming is so statistically rare, I don’t believe you. And then you’re also claiming it’s common.
Ergo, troll.
I’m done talking with you.
deleted by creator
Banks frequently do.
deleted by creator
I don’t have access to the same network of third world slaves that Starbucks does.
deleted by creator
You clearly know nothing of the coffee industry. Don’t speak on a topic if you literally know nothing. Third wave coffee exists because of the inherent abuse of the workers who actually harvest coffee. That you’re so naive to even think that the person behind the counter is the end of who is part of Starbucks is shockingly sad considering how much you’re trying to fight for something that is dependent on you needing a much better understanding of what you’re talking about.
Literally everything this person has said about how the coffee industry works has been wrong.
deleted by creator
I never said Starbucks owns the slave labor. But to ignore the influence they have is outstandingly naive. Like, do you think at all before replying? Are you in middle school and have any idea how the real world operates?
deleted by creator
You do realize that coffee beans grow in the tropics… right?
They aren’t growin em in fuckin Seattle.
deleted by creator
I think the point the other user was trying to make is that Starbucks already has connections, and they are able to source their coffee from more shady sources if they really want to. Someone starting out new has no such connections and will pay a higher price for their beans than Starbucks, ergo, they have to find something else to compete on other than price (which I think is possible, I live near many local coffee shops, including some worker co-ops). However, you’re still dealing with Starbucks having a larger presence than you, economically, and them being able to source cheaper goods due to economies of scale. I would think you’re already familiar with this. You’re correct in asserting that you’re stuck just having to “believe” your sources don’t use slave labor, because you’re sourcing it from another country. Starbucks at least has the money to check on such things, if they so choose.
The point that I was trying to make was that Starbucks works with more than just the people at the counter, which is how you characterized it. Moving goalposts now isn’t very helpful.
deleted by creator
It’s so insanely more complicated than that. Not all farms are equal.
What do you think coffee is? Do you think people with colored hair just magically conjure coffee out of the ether?
deleted by creator
You clearly don’t understand what coffee is or how many hands it has to pass through before it even gets to the barista.
Yeah, and a third party candidate could be voted into every seat and the presidency, but it’s so stacked against it occurring, it’s effectively impossible.
The state of the economy today is what’s stopping a vast majority of people from doing so. You can open a coffee shop and survive, but you could never compete against Starbucks. You would not even dent their bottom line. You would need hundreds of millions of dollars to realistically compete. Capitalism has brought us to a point where a majority of folks need to sell their idea to investors, further separating most workers from the value of their work.
Edit: I’m really tired of the naive and childish defenses most people put up for capitalism. “Nothing is stopping you.” Yeah and “nothing” is stopping a transgender women from becoming our next president by the same definition of “nothing”. Might as well say nothing is stopping you from passing through walls as quantum mechanics says it’s possible.
deleted by creator
Dutch brothers by revenue is essentially a drive through energy drink stand, not a coffee company and Peet’s is owned by a holding company that got rich off of Nazi work camp labor.
deleted by creator
Peet’s had 4 stores before it started changing hands, Peet’s and Starbucks famously did not compete with each other for years, and Starbucks wasn’t even selling brewed coffee before it was taken over by Shultz and venture capital.
But from my experience in the industry, your confident incorrectness is perfectly in character for a coffee shop owner.
You haven’t owned coffee places. You’ve been entirely wrong on how to source coffee plus your description of what even makes coffee. If you used to own them, you probably ran them into the ground. You’re objectively wrong on coffee production.
deleted by creator
You need to at least meet inflation, if not outpace it. Moreover, you’re not competing if you aren’t actually trying to battle. Competition breeds innovation. If you do not compete and do not get better or try to improve, society would degrade and regress. Come on. Before you respond next time, just think about what the consequence of what you’re saying is before.you actually hit the button. It saves us a lot of time.
deleted by creator
You know the great majority of people don’t have any such collateral, right? Holy privilege, dude
deleted by creator
Own outright? Or have a mortgage?
Even if, hypothetically, 65% of people owned their homes outright, that’s still over a third of the population who can’t even consider getting a loan like you described.
And for those that COULD, they’re betting their entire life on it. People with money can afford to take risks. It’s not an even playing field, at all.