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Then don’t call the police when your house gets robbed because you chose not to build the walls and doors out of nearly unbreakable titanium, build the windows out of nearly unbreakable 6 inch plexiglass, and install the best available security system in the world. I don’t want to be paying for your choices, and this is your problem now.
Don’t call the fire department when it burns down, either. Especially if you didn’t install a halon fire suppression system in every room and closet. Sorry for the loss of your house, neighbor, but your choices, your problem.
Quit driving on public roads. Getting around without using them is your problem and I don’t want to pay for it.
You’d better send your kids to private schools. It’s expensive, but hey, that’s your problem.
Fortify the hell out of your home. If we ever get invaded, I don’t want the military defending it. It would suck if it got attacked and destroyed, but that’s your problem; I’m not bailing you out.
In fact, you know what? You should just drop out of society, go buy your own island, and declare yourself sovereign. There, you will only ever have to deal with your own choices and problems. You’ll never have responsibility for anyone else’s, and no one will have responsibility for yours.
The rest of us will be over here enjoying something called civilization, where people join together for their mutual benefit and aid.
I think every coder should be forced to use their own software for one month out of every year they work on it (and be able to do the job that goes with it because how the fuck else are they going to get a clue?).
At my company, all developers spend time every year in customer support. It gives us first hand experience with what our customers are running into and asking for. We also work directly with field consultants on their projects. It’s not exactly this, but it’s pretty close, and it works really well.
Using YNAB’s sinking funds helped me get out of my considerable divorce debt. They’re like envelopes you put money into ahead of time, for every single category/thing you want to spend on or save for.
If you need to spend more than is in the envelope, you must transfer from another envelope first
If a bill is higher than expected, transfer money from another envelope
If you want to make an impulse purchase that doesn’t fit an envelope, make mine and transfer money in from an existing one
And so on. It’s a great system, and I continue to use it even though I’m now debt free, except for my monthly bills and car lease payment.