Pay in Full

“Whoever has the most stuff at the end, wins.”

And I bet the credit card companies are hoping to be winners come the end of time. Do they expect St. Peter will be handing out blue ribbons at the pearly gates? They drink from gold chalices filled with champagne as we debtors live in eternity in the pits of hell. I doubt the white fluffy clouds of heaven can hold the weight of the fat cats of the credit industry.

As many debtors anxiously await legislation to take effect in 2010, I wonder what will happen December 21, 2012 when some prophesies predict doomsday. Will creditors collect our debt in full with long spiny fingers? The Grim Reaper goes by many names-Chase, Citi and B of A. Heck they still try to collect from folks who pass away. I can’t imagine what they will do to collect their money during Doomsday.

But what happens if 2012 is not the end of days, but a change in the paradigm as some philosophers predict. What the heck does that mean? Well, hopefully we will learn lessons of humanity, which have nothing to do with greed and materialism. What a Utopian ideal-humanity would not have to depend on the soiled hands of credit lenders. What if we learn the value lesson of spending what we earn?

Perhaps in the end, we can hope it means the end of corruption and greed. If we’re lucky, it would be the end of a system that rewards those who prey on the misfortune of others. What if the mass majority of debtors shout, “No way, we won’t pay!” What if we protest our identity being assigned by a three digit number by the credit bureau? What if we say, take your FICO system and shove it? What if big brother isn’t the government, but corporate CEO’s brandishing our human identity in a numbered system in which they can make greater profit?

Some may say this blog promotes a dangerous agenda of defying credit lenders and even our own debts. It is not the debts I deny, it is humanity I question. What does the current credit and FICO system speak for humanity and individuality? When we are all dust in the wind, what will history speak of us; a free people driven by materialism and greed, or an imprisoned society twisted in a web of corporate corruption? It is for our generation to decide our fate. The outcome rests solely on our combined shoulders.