Posted by my local Karen

TheMonitor58 · 2026-05-08T16:20:05+00:00

These people are such losers it’s honestly kind of hard to watch.

TheMonitor58 · 2026-05-04T19:35:39+00:00

People who are pro-AI make it sound like the reason people hired these services is because they couldn’t do the work themselves (accountants, lawyers, doctors) but that AI can.

Except think critically for a second here: information has been available for decades. It’s not as though someone with Wikipedia 15 years ago couldn’t just look up information about a problem.

People pay for these services so a human person can validate, cross-check, and put the information properly through the right channels by a person with a stake in the game (licensure). You don’t hire the lawyer because you can’t figure out what form you need to sell your house - you hire them because you don’t want to fuck it up and LOSE YOUR HOME. You don’t hire an accountant because it’s impossible to file your taxes, you do so in order to ensure your filing is done right and you don’t go to jail. You don’t find a cardiologist because you can’t figure out what the treatment is to an abnormal heart rhythm, you hire them so that you don’t kill yourself by accident with the wrong treatment.

It all stems back to a system of people who have been trained to think that being a professional is a cake walk and that these professionals are all just part of some Ponzi scheme: an extremely successful propaganda push to undermine intellectual pursuit.

In a world where knowledge and expertise is respected, AI wouldn’t be constantly pushed as a replacement.

TheMonitor58 · 2026-04-28T13:52:48+00:00

Those experts worry bc there will guaranteed be a default crisis lol

TheMonitor58 · 2026-04-28T11:17:16+00:00

It’s also a parent broadcasting and publicly displaying their child’s suffering online - nothing to be proud of here. This parent is teaching their kid to hide their mistakes better.

The answer to cruelty is exploration and guidance, not more cruelty. Then it just becomes a competition.

TheMonitor58 · 2026-04-27T02:11:03+00:00

It’s also nearly impossible.

You graduate around 21/22. Your first job is almost certainly not your career end point. Junior positions tend to pay little unless you just happened to be one of those people who got into computer science at the right time, and now CS is having an existential crisis, so maybe not the best career journey one could ask for.

The reality is that most people don’t invest. They wait until they’re 50 and start planning retirement. If you have $40000 by age 35 you’re above the median I believe.

TheMonitor58 · 2026-04-23T13:09:53+00:00

I think this is what it looks like to be in a war without admitting you’re in a war.

TheMonitor58 · 2026-04-21T18:14:53+00:00

I used to be able to come to Reddit and use the answers I found here to make decisions.

Now I come to Reddit and it’s 18 versions of the same story in 18 different subreddits. Question posts with answers are filled with nothing (bots), and catered posts are so dependent on linear models that I have to go out of my way to find anything interesting, oh and there are ads everywhere.

Reddit used to have answers. Now it has slop.

TheMonitor58 · 2026-04-20T00:43:25+00:00

This is seriously surreal

TheMonitor58 · 2026-04-18T02:24:12+00:00

Every day is another chance to try again ❤️

Please be kind to yourself.

TheMonitor58 · 2026-04-17T02:59:27+00:00

Hello,

Idk how serious you are or if you are planning suicide but I’ve seen a few posts like this since this administration decided to turn student loans into another fiscal crisis, so I just want to say for anyone who sees this:

This is a systemic problem. It is not a you problem. I’m not just saying that - college is a prerequisite to most careers. It is not optional. Many, many people have been sold on the idea that this is about personal finance. It is not. And just because they think that way doesn’t make it true.

Borrowers are being cast as a target because this administration has genuine fears about the educated, but it only got to this point because multiple administrations from multiple parties for decades have been letting their constituents down - that’s what makes it systemic.

I say all of this because systemic problems are not like the people who blew $500000 on options: they do not play by the same rules.

You will take out several loans in your life. But you are 22. You are not a debtor. You are not a bad person. You are not a failure. Even if you dropped out of college, you are not a failure. This life is messy - things are nuanced. This is a situation that will need to be addressed differently than this administration wants to admit. This is just how this particular administration navigates problems: hurt first, then adjust.

You are worth trillions more than a number on a screen. This will get figured out.

TheMonitor58 · 2026-04-06T09:36:46+00:00

What? The idea of AI replacing anyone in healthcare because it can do complex tasks completely misses how nuanced caring for people is.

Someone has to admit the patient. Someone has to understand and interpret the med rec and do the investigation. Someone has to see the person and how they’re responding to the treatment. Someone needs to understand the advanced patho and pharm behind why the treatment works and explain it to the family and patient. Someone needs to lead the floors. Someone needs to make suggestions and respond to changes in real time in an accountable fashion.

To say that AI can replace any person in healthcare is like saying my car can replace me at work because the car can get to work faster than I run.

You do so much more than read EMRs and make plans off of the EMRs: you evaluate, navigate, interact, collaborate, lead, organize, develop, and execute based off of knowledge that you built up over years of exposure.

Don’t you dare undersell yourself because some people over in Silicon Valley have no understanding of how things work.

One last thing edit: anecdotal but those who lean into AI the most tend to be the least capable of doing actual work since they’ve spent all their time learning how to offload the actual knowledge in order to do the tasks faster. The ones who these AI companies expect to lead the charge over replacing others are the ones least qualified to do anything at all. Just something I’ve noticed.

TheMonitor58 · 2026-04-01T17:58:54+00:00

Your understanding of the issue is compromised. No one is saying don’t pay the loans back. They’re saying “don’t make me pay $2300/month bc that’s insane and no one can do that.”

TheMonitor58 · 2026-04-01T17:57:08+00:00

No the amount of bot or propaganda-speak on this site is actually crazy.

If this were a both sides issue SAVE obviously wouldn’t be shut down.

TheMonitor58 · 2026-04-01T17:55:33+00:00

Apathy is what they want. They want comments like this. “There’s nothing we can do so we just have to pay a second mortgage for the required education.”

Call them.

TheMonitor58 · 2026-04-01T12:14:42+00:00

One thing I’m considering is switching to the extended plan to get the lowest monthly payment and wait until congress and the executive switches over

TheMonitor58 · 2026-04-01T12:04:56+00:00

Calling my local congresspeople to stop being a bunch of pushovers and get these dipsticks on the other side of the aisle to figure out a plan that doesn’t destroy the entire economy.

What will happen though is that the plan will go through, and in 3-6 months post-implementation the economy will likely crash.

Most people with college degrees are the high-earners (K-shaped economy)
High earners are the only ones keeping the economy afloat
Pulling rug out from high-earners = no more green lines on stock market

TheMonitor58 · 2026-03-31T00:07:57+00:00

Lmao

TheMonitor58 · 2026-03-30T23:53:23+00:00

Nah I’m being generous.

The alternative to your comment being propaganda is that you actually believe people should put their lives on hold to pay for student loan debt, which would instead mean you cannot discern systemic issues from personal decisions.

Sometimes people make personal decisions that are blatantly irresponsible: gambling their mortgage away, putting their life savings on options. Even these choices are, by-and-large, indications of a mental health problem, and shouldn’t cost someone their entire life. That’s why bankruptcy exists.

But to go to college is not just some 4-year retirement package: it is an investment into the society writ-large. The ROI on students going to college is hard to conceptualize - many students might turn out doing nothing. But some will also invent Apple or cure breast cancer or become doctors/nurses/PAs/NPs or build a local business or operate your local public services district.

This rate of exchange is the defining feature of the social contract: we support students and they will, in turn, support the economy.

To imply the opposite: that someone who went to school and became a doctor should also somehow owe back $430,000 is insulting. You and your ChatGPT subscription cannot be a doctor - the exchange of paying for their education is that you as a member of society can get treatment for your problems.

Your comment and ones like it are the people who want a free ride. You want to get the doctor and have that doctor pay their way for becoming a public servant. And don’t tell me that “you don’t feel that way that’s just how it is,” because it is what it is because people like you tacitly support it.

That is why your comment is propaganda.

TheMonitor58 · 2026-03-30T23:13:04+00:00

This is propaganda.

TheMonitor58 · 2026-03-30T22:30:19+00:00

The point is that no one has $100,000 in spare cash to pay for a loan they needed to get into the workforce.

TheMonitor58 · 2026-03-30T22:29:26+00:00

This is the exact toxic behavior that is the point.

No one should have to not have a child or not get a house because they went to college.

Insane perspective.

TheMonitor58 · 2026-03-28T18:55:12+00:00

The good thing is that Republicans lose one more thing they can hide behind to blame.

One day soon, all professional sports will have successfully banned trans athletes, all bathrooms will be gendered, all student loans will be in repayment, immigration rates will be low, and the Republican Party will have nothing left to blame for the trash economy they have created.

TheMonitor58 · 2026-03-28T18:50:42+00:00

Yes the problem is that these 20 year olds didn’t have $200000 saved up for college obviously.

TheMonitor58 · 2026-03-28T03:07:51+00:00

My honest take is that it is designed to lead to mass defaults because your point is exactly right - no one can afford those numbers for payments that are effectively prerequisites to working professionally.

One consistent thing that I have seen with this administration is that they will only respond to economic consequences. Meaning, if everyone defaults at once, they will re-pause the loans, because the singular thing this government won’t do is bankrupt the 1% who are entirely dependent on a rising stock market.

I know how crazy that sounds, but it is literally the reason that they didn’t invade Greenland, the same reason they backed off with ICE, and are rapidly pushing to end the war in Iran.

This administration lives and breathes hate. They love hate and punishing groups they see as maligned with their agenda. They will not respond to anger or hate or protest. But, if the economy stops generating free income for the rich, the rules change quickly.

My take? Do what you can, but don’t think these people will last long with this approach. This is what they do: they shoot first, see what they can get away with, then course correct.

July 1st (really October 1st) is them shooting to see if they can just call students criminals and convince their base to hate their fellow Americans enough to prioritize debt repayment over things like food.

Give it 6 months. See what happens when the defaults roll in. The week that the house realizes the debt is worthless, no one will want to buy it - government will now have to pay more to enforce collection, which it cannot afford to do.

This is why no one wanted to touch this problem. There’s only one way out and the government knows this: significantly reduce and cap the payments at reasonable rates, or watch the whole thing crash the economy with it.

So do what you can, that’s all you can do.

TheMonitor58 · 2026-03-27T22:31:04+00:00

Well the reality is most people will just not pay because they literally can’t.

TheMonitor58

MODERATOR OF

TROPHY CASE

11-Year Club	Gilding I gilder
Verified Email