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this post was submitted on 05 Feb 2024
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A thread on rising credit card debt in the US, combined with news of sustained spending levels and a rosy outlook on the economy at the surface got me thinking about this.
Recent trends that I thought of:
I'm hoping for more recent trends and things I might not have considered like social media, but I also welcome personal experiences, expanding on any of the above and historical examples.
The subscriptions are out of control now. Sometimes we have to throw a tablet or phone at the kids, and of course they want the play the parts of the game they can’t click on because it’s locked. I have no problem shelling out something reasonable like $2-7 to just unlock all the crap and be done with it, but now most of these developers are asking for $10 a MONTH just to have access to all of the game assets. And they’re not live service games, have online, or even in-game currency; they just single player offline basic games like driving Thomas the tank engine around a map. Like, get fucked dudes.
Mobile games are so twisted and it's plain to see.
You reminded me of this video, 20 minutes of the basis of how to psychologically manipulate people into spending money for your game. 3:45 is the "Hook, Habit Hobby" part which is worth a watch too. It's from 7 years ago and elements of it may be beginning to crawl everywhere.
I’ll definitely give this a watch later, thanks!
There are ads that portray people in humiliating situations, like not being able to afford their groceries while holding up the line at the checkout, so they download an app that gives them "free cash." This is portrayed as a perfectly normal, reasonable thing to do in this situation.
NGL I've bought a lot of people their groceries over the years
I've been that person and the child of that person who couldn't afford groceries, so I do what I can to help others
Wow, that's dehumanizing...
I've been behind people who used price match for every item in their cart. I try to smile politely and not look annoyed, people do what they need to to get by.
Yeah I've been the person who couldn't pay too, and had to take items out
It feels like everyone is ignoring your reference to apps like “Dave” that bombard me with ads to essentially payday lend me money if I have direct deposit.
Oh, do they think I'm saying that people are bad for not being able to pay? Damn, that's the opposite of what I'm saying. These apps are predatory.
Some people don't realize each one of those is a new line of credit...
You can fuck your credit up for a very long time messing around with those on stupid shit.
The scarier thing is that they are designed to be less than six months to avoid federal loan regulations and are reported to credit agencies as some new kind of installment loan (I forget the exact term/acronym). Many lenders are refusing to lend to anyone who has even taken one out in the past 2-3 years since they are seen as such a high risk indicator.
It's not just one, it's that credit checks are big factor in credit scores.
Normally you get an infinite amount in a 2 week period as one check for when you're shopping around
If someone does one of these every other month, that's 6 credit checks in a year. Even if you pay them all back asap, it fucks your credit up.
And it'll show as an open line of credit on your report forever. Which is normally a good thing, but it brings your average credit per account down which hurts you further.
People do t know all that, and their fucking up their credit without knowing it. Then if they have to do a big loan for home/car/whatever, they get a worse rate