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not exactly what you're asking, but banks and insurance companies are the majority of what I call "the beaurocracy of money". they don't produce anything of value, and are basically just a sinkhole for labour.
I hate capitalism as much as the next lemming but banks and insurance companies, at their base level, definitely provides a service. Banks help you spread the cost of things over time at the expense of interest, and insurance companies do something similar with risk.
Its only when they do warped shit like lend money at zero interest or force consumers to pay for insurance (thereby negating the need to be competitive) that they start to leech off the system.
I would distinguish between providing a service & creating value. the service that banks and insurance provide is useful, but only in the context of a money-centric society. they don't create anything that has a purpose deprived of context, it's only the moving around of numbers.
But we do live in a currency-based society. That's like saying food only has value in the context of a chemical-energy based society. It's a pointless semantic argument here.
perhaps it is, but I'm not convinced. if food, eating, whatever were an unnecessary and wasteful system then the growing of food and processing, production, etc would likewise be a waste of resources, human labour included. a lot of our work does go towards food production, supply, processing, etc - if you could switch to an alternate system that dispensed with food but didn't otherwise alter our lives, that would surely be massively preferable. it's hard to imagine because eating is such a fundamental need, but that's just a limitation of this comparison.
if we could dispense with money but otherwise have society look much the same (or better, which I think it undoubtedly would be), that would be an improvement, to me, just by virtue of freeing up the labour of all the people who work solely in the overhead of the system. to imagine how else we might function as a society, I think it's useful to identify ways in which the present system is inefficient.
Administration in general. There are so many jobs in (public and private) administration whose entire job is, to fill out forms or write reports, that nobody will ever read.
The same is true for countless middlemanager positions. It's not a full-time job to manage 10 employees who are not directly working with you. No idea how this is called in other countries, but in Germany we call it Matrixorganisation, and it's often as absurd as it sounds.
I'm in administration and part of my job is filling out forms and reports that no-one will ever need unless there's a problem in which case they become very important indeed.
In today's business environment we tend to forget that redundancy = resilience.
I'm in the digitalisation part of administration. And I'm certainly handling a ton of processes that are not redundant, but plain useless.
Do you believe in unfettered free markets? Those jobs are very often to implement compliance to restrictions in the markets.
No, they are not.
They are often enough purely internal documents or remnants of old days, where certain documents were actually important, maybe.
The company I work for now has very much this attitude for the last 50 years.
As a result they have 3 locations, no sops, and no accountability.
Over the last 6 months is been my job to put us back in compliance with local and federal reporting requirements and develop SOPs. The feedback from the bottom up is that it's wonderful to have consistency, different bosses giving the same answers to questions, auditors being able to complete audits in expected and appropriate times, and in compliance with reporting regulations.
Can companies go overboard and employ people like me who do busy unnecessary work? Absolutely. But it is definitely appropriate to have a couple of administrators.
Rules and procedures are always a trade-off. However, I would argue that the vast majority of organizations have way too many of them and produces way too much busy work.
Just look at your own example - I'm 90% sure, that the different locations did have procedures and did document stuff, just not in a consistent way. So their documentation was scattered and their reports practically useless.
Huh? I can go almost anywhere in the world and wave my phone at a register and take whatever I want home. Without a bank Id have to carry a lot of everywhere.
No. No you wouldn’t. We don’t need banks to implement the concept of currency in a society and you’re myopic for not understanding that but instead pretending to be some sort of authority on the matter.
🙄 uh huh. I prefer a currency backed by something with some longevity and not petted by grifters who keep getting arrested for fraud over and over again, or hacked and cleaned out with little to no recourse.
Regardless, banks aren’t “worthless” at all.
I think of this in the context of healthcare constantly