I mean, I do get it. Some people take on debt as a way to live beyond their means when they could still live a “comfortable” life without the glamour or “keeping up with the Jones”. The $80k+ gas guzzling truck bought on credit - that’s only used for driving to work and grocery trips - is a good example of this.
But a better way of saying this is “live within your means”, but it’s becoming increasingly impossible to do this and have a standard of living that’s just “decent shelter and healthy food” (or even, “enough food”) which should be a bare minimum




I haven’t yet seen where use of AI hasn’t made things worse.
Agents: Every instance of AI for “customer service” I’ve run into basically just closed cases for invalid reasons, spouted bullshit, and was used to block interacting with a real human, trapping users in infinite loops (thanks eBay) or disconnecting on them (thanks PayPal)
Security: M365 seems to be relying heavily on this now, which means that the same phishing email which was successfully blocked last week will randomly get through a few times this week for no apparent reason
*Coding: sometimes useful, but also points to do stuff like reference functions that don’t actually exist in the API/language being used