Private health insurance is the biggest fucking scam ever. The private insurance companies benefit by getting the aggregate healthiest population into their plans (working adults). The most likely to be expensive people, i.e. old people (on medicare) or poor people (on medicaid, or not even on an insurance plan) are on government, tax payer insurance plans. There is literally no reason except for corporate profiteering that Medicare should not be expanded to cover all people.
Also all those conversations, especially in the 2020 election period, were totally bullshit. You say something like M4A will cost 44 trillion dollars or whatever, which sounds like an insane amount of money. What is often left out of the discussion is that estimated cost was 1) over 10 years and 2) has to be weighed against the current costs we already pay for insurance. So the deal was very simple: the overall costs would go down because the overall spending would be less, and at the same time millions of people without coverage would be covered, and at the same time you don’t have to contemplate stupid bullshit like in network, out of network providers. Or ever again talk to your insurance about why something is or isn’t covered. Boils my blood when I think too much about this.
Not even gonna weigh in on things like how medicare can’t negotiate prescription drug prices (https://www.nytimes.com/2023/07/23/us/politics/medicare-drug-price-negotiations-lawsuits.html), or how dental, vision, and hearing are treated separately from general healthcare, or how med school is prohibitively expensive, or how the residents after med school are overworked because the guy who institutionalize that practice was literally a cokehead. Those are all just bonus topics. The point is we are getting fleeced.
Chiropractors.
Even though this is top comment, this is an underrated answer.
Also homeopathy.
People always chime in with stories about how chiropractors helped them with XY and Z problem they were having.
And overall I don’t doubt them. There’s a lot of things that can go wrong with your spine or other joints, and I’m certain that some of them can be addressed by physically manipulating and adjusting it.
But the basic premise of chiropractic treatments is that basically all human ailments can be fixed in that way, which should sound like total bullshit to anyone with half a brain. And that’s before you get into all spiritual nonsense that pervades a lot of the field.
Now some of them understand that that’s a load of bullshit and may even be realistic about the things they can treat, but it can be pretty damn hard to sort them out from the ones who think that your pancreatic cancer is caused by ghosts in your spine and they know how to get them out or some bullshit like that.
Now if you have a good idea what your issue is and what needs to be done to fix it, take the time to carefully vet your chiropractor to make sure they’re not going to try some crazy bullshit on you, you very well may be able to get a decent treatment from them. Maybe you’ll even be able to save some money going with that.
But for most of us who aren’t doctors and so only have kind of vague ideas what exactly the issue is and that the treatments we’re doing actually make any sense, and don’t necessarily have time to do all of that research and carefully vet that the person treating them isn’t secretly a quack, you could just get the same sort of treatments from actually physical therapists, orthopedists, physiatrists, etc. with the added benefit of them actually understanding the issues and how to fix them properly.
Chiropractors are kind of like the rednecks of the medicine world. Some of them know exactly what they’re doing with that harbor freight welder, they may not do things by the book but they know for certain what works and what doesn’t and more importantly know when something is beyond what them and their buddies can accomplish on a free Saturday with a case of beer and when they need to suck it up and limp their truck to the shop and let a professional deal with it. Others know just enough to be dangerous and while they can get the job done 90% of the time or at least not make things worse, that 10% of the time something is literally going to blow up in someone’s face. And still others are just meth heads looking to make a quick buck and it’s a miracle they’re not behind bars. And when you see them hanging around the local watering hole, it may not be totally clear which is which until it’s too late.
The stock market and publicly traded companies. The idea that a business that is making consistent profits isn’t good unless those profits are increased each quarter is asinine. This system of shortsighted hyper focus on short term quarterly growth for the sake of growth is the cause of so much pain and suffering in the world. Even companies with amazing financials will work to push workers compensation down, cut corners and exploit loopholes to make sure their profits are always growing. Consistent large profits aren’t good enough.
Instapot. Instapot made too good of a product, most people buy one and its good for years. That’s good for consumers but terrible for investors. The company that bought them out and took them public saddled them with a ton of debt from other sectors and now they’re bankrupt.
I think a major problem with the stock market is the lack of long term planing. And we see that clearly with what’s happened to Boeing with their planes falling apart
If you invest in the stock market and expect companies to be making large profits all the time then you’re going to be very disappointed. That’s not how it works. There are financial reports, market regulators, analysts. History tells us that awful companies with shady practices would always get caught in the end, no matter how big they are.
Everyone should invest, but investors should always do their research.
This is not about small-time regular Joe investors, but about large institutional ones, who do exert pressure on companies to deliver strong profits and/or growth.
Antivirus software
Most forms of insurance in the US
My personal top 3:
- insurance
- subscriptions
- Google and similar data hungry companies (while not a financial scam but moreso a privacy scam, companies like Google and Meta profiteering on our personal data without our knowledge or awareness)
Technically insurance only works if everybody pays in. Wouldn’t work as a concept if every tom dick and harry could pay them $100 then a week later need $100,000. They’d basically be out of business right quick with nothing to provide for anyone. Maybe as some believe it should just be provided through taxes, but it’s certainly not a scam.
The scam part comes when you are forced to fight tooth and nail to get money from them even when you are clearly covered
First Past the Post voting at elections.
A great alternative is majority judgment!
Approval Voting and multi-winner districts let’s gooooooo!
What country? In my country everyone knows that’s a scam.
UK
We had a referendum and people voted to keep the scam.
Welcome to Canada.
I’m still salty about that broken Liberal promise to reform our elections. None of the parties care about it and it seems no one wants to try to change it.
People who vote for conservatives
Subscriptions.
People pay every month but most don’t use the sub to it’s full value, and forget how expensive it becomes over the years. And you don’t own anything on a subscription, you just borrow it.
Also trial periods that prolong automatically into subscriptions.
Service as a subscription, for me. It used to be you bought a product and then you owned it. Now if you want practically anything from streaming media to freaking car washes, you have to “subscribe”.
Religion. The all-time champion, no contest, just as George Carlin said:
What do you expect to happen when faith in the divine is literally a socially acceptable mental illness.
Here is an alternative Piped link(s): https://piped.video/2tp0UNcjzl8
Piped is a privacy-respecting open-source alternative frontend to YouTube.
I’m open-source, check me out at GitHub.
Is it just me or do Piped videos not play for everyone? The play button does nothing.
Massage school. They say they’re teaching you a trade and will help with job placement but there is a glut of graduates and not enough jobs for them. Yet the school keeps signing up new students because that’s how they make money.
Capitalism and the 5 day 9 to 5 work week
Religion
I’ll try to list things that aren’t in the typical internet echo chamber. Bring on the controversy. These are just my opinions.
50% of the shelf space at the grocery store is just different forms of corn syrup, sometimes with some trans fat mixed in, generationally twisting our idea of what food is in a race to the cheapest, most addictive product.
The only way it’s profitable for someone to knock on your door to sell ANYTHING is if they are obscenely inflating the price (think 100-600% markup)
Most supplements, especially expensive ones with TV ads
Dr Scholl’s and the goodfeet store
Genuine leather is just about the opposite of what you’d think
Bamboo fabric which is pretty much just a different way to say rayon but is pitched as a revolutionary and environmentally friendly cloth
Most bladeless fans just hide fan blades in the base
Many cleaning products don’t do better than diluted soap and water (even for sanitizing) especially the ones with TV ads
Financial planners who are actually financial product salespeople
Most single-purpose kitchen gadgets, especially as-seen-on-TV
The realtors racket: I just paid $30k for an internet posting and mediocre advice
Many personal hygiene products are just repackaging the same two or three active ingredients by the same one or two megacorporations
Essential oils (even ignoring mystical claims) big names charge an order of magnitude higher than they should
Your list makes me realize just how far we peddle bullshit in our society. Virtually everything is lying to you, if only by omission or by being misleading. If you don’t know about cars, finance, food, technology, laws, housing, virtually anything, you will be taken advantage off, if only a little. Pretty much your whole list is spot-on, and it could go on for pages. Toothpaste? They’re lying about the quantity. You think your orange juice is healthy because it is very, very heavily suggested? Nope, it is old oranges with a lot of sugar. Anyway, I am not gonna type the entire comment I want to because it would become very rant-y.
New to Lemmy but yours is my 2nd ever saved comment, thanks bud
Oh and congratulations on selling your 600k ish home, hope you got what you wanted
