Indeed. But they want to make money, so they rise the interest rate to make even more money and cut losses on failed debt repayments.
They solely exist to make money by extorting the people in debt. Who would have guessed?
So? Never have debts.
“Consumer” debts should ethically not exist as consumers just consume the money and are therefore not able to pay it back as it is not an “investment” debt, which has the chance to succeed.
So it’s double-triple bad to have debt? Then manage the finances, assess the risks, cut unrealistic expectations that will toss you into the debt spiral, because it’s triple-bad. Who is to blame?
medical insurance is a must, otherwise you are gambling and the chances to lose this bet are quite high.
funerals happen unexpected - when they actually absolutely do not. Everybody can be sure to die, so plan accordingly.
being “in deep credit card debt” is too late. One should never have swam out this far. Being “a tiny little bit in debt” should have the alarm bells blasting as financing is not self sustaining, “a tiny litte bit” is already much too late already because you’ve entered the spiral
student debts - well, not everybody has to study. If you can’t afford it reflect on it, if you really must. And if yes, seek alternatives like leaving the country tht is hell-bent to enslave you in debt if you want to study, find sponsors, arrange it with your expectations about a longer time horizon, etc. You are not able to pay for it? Do not do it! Seek solutions.
Try Debian sid (unstable), from my experience it’s actually more stable than testing because it gets updates even more often.
And ditch Gnome. There is no way to be happy with it as it craps out very often and is a maintenance burden for maintainers, therefore the quality differs so much.
Don’t forget loadhigh (lh) and his friend DEVICEHIGH and check with mem the memory layout if anything more can be sqeezed into some unused block lying around…
Fun fact: in German, peanuts are called “Erdnuss”, which literally translates to “soil nut”, which seems actually fit like a glove. To be honest, I never thought about the name it has. Learn something new every day.