Quotulatiousness

July 10, 2023

“De-banking” is the financial world’s version of cancelling someone

Filed under: Britain, Bureaucracy, Business, Economics, Media, Politics — Tags: , , , , , — Nicholas @ 06:00

At the Free Life blog, Alan Bickley considers the recently reported rash of prominent (and not-so-prominent) critics of the British government being refused service by their banks and further refused permission to open new accounts with any other chartered bank. Being “cancelled” by social media companies is bad, but being “de-banked” in a modern economy is worse than being declared a “non-person” by a totalitarian regime:

In the past month, we have heard that various rich and well-connected people have had their bank accounts closed, seemingly because of their dissident political opinions. The same has happened to other people who are much poorer and without connections. Twenty years ago, the same happened to the British National Party. There is a simple libertarian response to this.

No one has the right to coerced association with anyone else. If someone comes to me and asks me to provide him with services, I have an absolute right to say yes or no. If I am uncharitable enough to dislike the colour of his face or what he does in bed, so much the worse. I may lose valuable business. But it is my time, and it is my choice. If anyone starts a whine about the horrors of discrimination, he should be ignored. We have an absolute right to discriminate against others for any reason whatever.

This being said, the position becomes less clear when state power of some kind is involved. Banks in this country require a licence from the State to operate. This protects them from open competition. It also gives them access to services and information from the State that are not given to other persons or businesses. If a bank finds itself in serious financial difficulties, it has at least a greater chance than other large businesses of being saved by the State – by a coordination of support by others or by direct financial help. The State has also made it illegal for many transactions to be made in cash. If I try to buy a car with £20,000 in cash, the car dealership is obliged to refuse my business, or to make so many enquiries that accepting my business is too much trouble. In effect, anyone who wants to spend more than a few thousand pounds in cash is obliged by various actual and shadow laws to use a bank account.

So we have privileged corporations and an effective legal obligation for people to do business with them. This entirely changes the libertarian indifference to commercial discrimination. The banks are a privileged oligopoly. The banks compete for custom among a public that is free to choose one bank rather than another, but that is compelled to choose some bank. For this reason, since the relevant laws will not be repealed, it is legitimate to demand another law to offset some of the effects of the others. Banks should be legally obliged to accept the business of any person or group of persons without question. Limitations on what services are provided must be justified on the grounds of previous financial misconduct as reasonably defined. For example, it should be permitted for a bank to refuse an overdraft to someone who is or has recently been bankrupt, or whose spending habits are obviously reckless. Perhaps it should be permitted for a bank to refuse to lend money for purposes it regards as scandalous as well as commercially unviable. Therefore, a representative of the White Persons’ Supremacy Foundation, or the Vladimir Putin Appreciation Society, should be able to walk into any bank and open an account – with no questions asked. If an account is refused, there should be a legal obligation on the bank to provide a full explanation of the refusal. If the refusal is not made on valid commercial grounds, there should be a right of appeal before a tribunal which does not award costs, and this tribunal should have the power to grant punitive damages against any bank found to be discriminating on any grounds but the validly commercial.

The refusal of banking services is only the beginning of a new and sophisticated totalitarianism. What the banks can do can also be done by supermarkets, by Internet service providers, by hotel chains, by airlines and railway companies, and by utility providers. There is indeed a good case for insisting on a law forbidding any organisation that has the privilege of limited liability from any but obviously commercial discrimination.

“… the Western world is failing — culturally and economically — because the government now has a hand in so much of society”

Filed under: Britain, Bureaucracy, Government, Media, Politics — Tags: , , , , , , — Nicholas @ 05:00

The Armchair General would almost certainly agree with my frequent lament that the more the government tries to do, the less well it does everything:

There is a famous quote by American journalist and satirist H.L. Menken, which has been deployed by many political writers over the years:

    The whole aim of practical politics is to keep the populace alarmed (and hence clamorous to be led to safety) by an endless series of hobgoblins, most of them imaginary.

It is an enduring quote because it has the ring of truth1, and it certainly fits with the Machiavellian aspect of politics. This attitude was, without doubt, deployed by governments across the world during Covid (and, to some extent, still is).

Your jaundiced2 General would like to propose a related, alternative and rather more plausible soundbite that, I believe, more adequately describes the Western world in the twenty-first century:

    The whole consequence of practical politics is the keep the ignorant populace alarmed (and hence clamorous to be kept in comfort) by an endless series of colossal fuck-ups, labelled as crises, caused entirely by the government.3

Every time that you see the media whipping up a frenzy about a “crisis“, you can be 99% sure that the issue in question has been caused by the state — and that the real solution is to remove the government intervention. And that is never, ever the action actually proposed.

Crises of Government Origin
Your jaundiced General refers to these phenomena as “Crises of Government Origin” (COGO), and will form the back-bone of a series of posts titled with that acronym. Many of the issues are interlinked, and most are absolutely critical if we are ever to confront the economic and social issues facing us today.

These include (but are not limited to):

  • the energy crisis;
  • the Climate Warming / Change / Heating crisis;
  • the housing crisis;
  • the NHS staffing crisis;
  • the police shortage crisis;
  • the obesity crisis;
  • the education crisis;
  • the pandemic crisis;
  • the productivity crisis;
  • the activist “charity” crisis;
  • the drugs crisis (Scottish edition);
  • the rape gang crisis;
  • the intersectional and gender crisis;
  • just about any other “crisis” you can think of.

To be sure, the UK government is not the worst in some of these areas — but, since it is in UK that my comfy leather armchair is situated, it is the rampant stupidity of our own governments that I shall concentrate on. And no, not all of these posts will include reminding people that Grant Schapps is a prick.

I can promise that every one of them will include illustrations demonstrating the mind-gargling incompetence of our governments (of all persuasions) and “Rolls Royce” civil service4.

The law is a blunt instrument, and the government is really inefficient at doing anything at all.

Fundamentally, the Western world is failing — culturally and economically — because the government now has a hand in so much of society. And the UK is in the vanguard of this malaise as Sharon White, at the time Permanent Secretary to the Treasury (and currently fucking things up in typically Rolls Royce civil servant fashion at John Lewis), said (in a rare example of her being right) in 2015 at the Institute for Government:

    The UK is “almost the most centralised developed country in the world”.

Indeed it has been observed that, by some measures, the UK is more centralised than Soviet Russia. This is why we are failing.

The Crises Of Government Origin (COGO) series aims to examine some of these failures — large and small. For starters, let’s have a look at Hate Speech laws and why they are so dangerous.

    1. The same applies to Menken’s definition of Puritanism: “The haunting fear that someone, somewhere, may be happy”.

    2. Caused less by poor mood than incipient liver failure. Now pass the port, would you, old chap. No, to the left, you fool!

    3. Yes, yes — I realise that it needs honing, but it will do for now. Feel free to submit more elegant versions in the comments.

    4. Snork.

Echoes of War: Accounts of Operation Husky and the Allied Landings in Sicily

Filed under: Britain, Cancon, History, Italy, Military, USA, WW2 — Tags: , , , , — Nicholas @ 04:00

OTD Military History
Published 9 Jul 2023

On July 9/10 Allied forces launched Operation Husky, the invasion of Sicily. This video presents accounts from various Allied military personnel who were there that day.
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Barbara Kay – “[M]any Canadians [suffer] from highly contagious, patriotism-suppressive Post National Syndrome”

Filed under: Cancon, History, Media, Politics — Tags: , , , , , , — Nicholas @ 03:00

Canadians are deluged with messages that imply — or explicitly demand — that they should be ashamed of Canada and of being Canadians. That there is nothing to celebrate in our history or cultural achievements and instead we should humbly beseech forgiveness for our many, many, many sins. Barbara Kay disagrees:

On Canada Day, near St. Sauveur, Quebec, we were treated to torrential rain, hail, nearby tornado warnings, and continually flickering power. Not a day for fireworks. Just as well, since fireworks are the last thing one craves when one suffers, as many Canadians do, from highly contagious, patriotism-suppressive Post Nationalism Syndrome.

This scourge cannot yet be cured, since it was intentionally cultivated and released into the environment by the current government. Only herd immunity can end it. However, the symptoms of Post Nationalism Syndrome can be alleviated by certain traditional antivirals, like National Postism. Last Saturday’s NP featured several commentaries that buoyed my spirits, in particular Michael Higgins’s misery-loves-company column, “Stop shaming and start celebrating Canada”.

Higgins enumerates recent examples from a tiresome litany of complaints by our elites that “want to turn us into a nation of self-flagellating penitents”. The National Gallery of Canada insinuates that Canada’s iconic artists, the Group of Seven, are linked to white supremacy; a parliamentary motion endorses the residential school system as “genocide”; the attorney general actively considers legal sanctions against “denialism” — dissent from genocide as a proper descriptor (including me); and the erasure of Sir John A. Macdonald’s name from the eponymous Parkway.

In a nearby feature, the false claim that Macdonald was a guilty party in the alleged schools genocide was handily demolished by lawyer Greg Piasetzki, titled, “John A. Macdonald saved more indigenous lives than any other prime minister”. This evidence-based rejoinder to sticky defamatory myths about Macdonald is an excerpt from a new book of essays by 20 writers, The 1867 Project: Why Canada Should be Cherished — Not Cancelled, published by the Aristotle Foundation, and edited by its founder and president, Mark Milke. 

Piasetzki’s essay mirrors the 19 others in its forthright challenge of our culture’s reigning anti-western dogmas, which brand Canada as a failed nation. Every author encourages the pride in being Canadian that has not dared to speak its name since Justin Trudeau came to power. I highly recommend it. If enough Canadians read it, we might arrive at herd immunity to Post Nationalism Syndrome.

Remington-Lee Model 1885

Filed under: History, Military, USA, Weapons — Tags: , , , , , — Nicholas @ 02:00

Forgotten Weapons
Published 5 Sept 2015

The model of 1885 (a modern collector designation; Remington called these the “Remington Magazine Rifle” and did not differentiate between the different versions) was the final iteration of James Paris Lee’s bolt action rifle made by Remington. It incorporated a number of improvements from the earlier versions, including a relocated bolt handle, improved bolt head, and a magazine that could now hold cartridges securely without the use of a sliding catch at the nose.

These rifles were made in .45-70 caliber for US use and in .43 Spanish for export sales. The US Navy purchased most of the .45-70 guns that were made, and this particular rifle is one of those Navy guns. By the time these rifles were actually in production, Great Britain had also decided to adopt the Lee system in 1888, which would go through several iterations and ultimately become the iconic SMLE that would be the mainstay of British infantry during the First World War.
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QotD: Liberal and conservative views on innovation

Filed under: History, Liberty, Politics, Quotations, Technology — Tags: , , , , — Nicholas @ 01:00

Liberals and conservatives don’t just vote for different parties — they are different kinds of people. They differ psychologically in ways that are consistent across geography and culture. For example, liberals measure higher on traits like “openness to new experience” and seek out novelty. Conservatives prefer order and predictability. Their attachment to the status quo is an impediment to the re-ordering of society around new technology. Meanwhile, the technologists of Silicon Valley, while suspicious of government regulation, are still some of the most liberal people in the country. Not all liberals are techno-optimists, but virtually all techno-optimists are liberals.

A debate on the merits of change between these two psychological profiles helps guarantee that change benefits society instead of ruining it. Conservatives act as gatekeepers enforcing quality control on the ideas of progressives, ultimately letting in the good ones (like democracy) and keeping out the bad ones (like Marxism). Conservatives have often been wrong in their opposition to good ideas, but the need to win over a critical mass of them ensures that only the best-supported changes are implemented. Curiously, when the change in question is technological rather than social, this debate process is neutered. Instead, we get “inevitablism” — the insistence that opposition to technological change is illegitimate because it will happen regardless of what we want, as if we were captives of history instead of its shapers.

This attitude is all the more bizarre because it hasn’t always been true. When nuclear technology threatened Armageddon, we did what was necessary to limit it to the best of our ability. It may be that AI or automation causes social Armageddon. No one really knows — but if the pessimists are right, will we still have it in us to respond accordingly? It seems like the command of the optimists to lay back and “trust our history” has the upper hand.

Conservative critics of change have often been comically wrong — just like optimists. That’s ultimately not so interesting, because humans can’t predict the future. More interesting have been the times when the predictions of the critics actually came true. The Luddites were skilled artisans who feared that industrial technology would destroy their way of life and replace their high-status craft with factory drudgery. They were right. Twentieth century moralists feared that the automobile would facilitate dating and casual sex. They were right. They erred not in their predictions, but in their belief that the predicted effects were incompatible with a good society. That requires us to have a debate on the merits — about the meaning of the good life.

Nicholas Phillips, “The Fallacy of Techno-Optimism”, Quillette, 2019-06-06.

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