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      "body": "Congratulations @ronkim! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@ronkim/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@ronkim) and compare to others on the [Steem Ranking](http://steemitboard.com/ranking/index.php?name=ronkim)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Recently, my take on establishment politics shaming a black candidate for his debt was published in the NY Daily News: http://www.nydailynews.com/opinion/ny-oped-cheap-attack-on-jumaane-williams-20180807-story.html\n\nHere's my full, unedited version:\n\nRecently, the race for New York’s Lieutenant Governor between the incumbent, Kathy Hochul, and Jumaane Williams, the Brooklyn Councilmember, reached an ugly but significant moment.\n\nAfter reports came out that Jumaane defaulted on his debt over previous small business loans, Kathy immediately went after him, releasing a negative ad portraying her opponent as a deadbeat debtor who can’t be trusted with the state’s multibillion dollar budget. \n\nPerhaps if this was taking place before the 2008 financial meltdown, caused by creditors and lenders, the public might’ve fallen for Kathy’s rhetoric. Mankind has struggled for thousands of years with the concept of “debt”, though our core view is clear: You owe someone money, you are morally obligated to pay them back (Noticed I used “mankind”, not “humankind”).\n\nWe must recognize that we are as a society the biggest hypocrites in perpetuating the vilification of debtors in our communities. Why? Because we, as a nation, are in trillions in debt to our foreign allies with no intent or even a plan to pay it back. Why not? Because we are the world’s remaining superpower with by far the largest armed forces in the world.\n\nDebt is all relative to who owes the money and who lends it. There’s no way for countries like China to enforce the debt we owe them as long as our military imbalance remains.\n\nWhen it comes to collecting what we’re owed from smaller nations, we rely on authorities like the IMF to make sure every dollar is returned with interest. In a similar way, our local and state governments allow all sorts of “austerity\" measures to punish and scare individuals who are in default and can’t pay back to private lenders.\n\nFor example, in 19 states, local authorities are confiscating the drivers’ licenses and other government licenses of those who can’t pay back their student loans. In New York, there is a debt collecting practice known as “sewer service”, where false affidavits claiming notice has been served enable collectors to win when unsuspecting debtors don’t show up in court, allowing them to seize bank accounts and automatically deduct from salaries.\n\nIn the underground world, mobs use “leg-breakers” as enforcement to collect debt. In mainstream society, we use “austerity measures”.\n\nThe problem is that for the last 15 years, creditors and lenders have relied on outdated supply, demand, and consumption charts to calculate growth, and our central bank system has not normalized their policies since the 2008 breakdown. This has led to zero and even negative interest rates, culminating in a completely rigged system against the debtors.\n\nSimply put, there isn’t enough money and growth to pay back the trillions of interest and loans and the party is about to end.\n\nFor corporate politicians on both sides of the aisle, they are protecting their donors’ interests by doing whatever they can to “keep the party going”, meaning continuing the “rat race” so the people in it continue making minimum payments on the interest to the creditors.\n\nThis means taking out borderline racist ads, shaming a political candidate for being in debt.\n\nThis means going into places like Puerto Rico without a full plan to make its local communities more resilient against creditors, who seek to recoup their interest through full austerity measures.\n\nThis means barring innovative long-term solutions, like Blockchain technology, from coming to New York by instituting the nation’s most stringent regulations (BitLicense), all to allay fears of crypto-economics disrupting our debt-driven growth society. \n\nThe irony of Kathy Hochul shaming Jummane Williams about his debt is that she’s directly tied to an office, led by Governor Andrew Cuomo, where a top aide, Joseph Percoco, was convicted of pay-to-play, trying to sell access in order to pay off his insurmountable debt (close to $800,000).\n\nAgain, it matters who’s doing the borrowing.\n\nThe double standards in Kathy’s treatment of a white man who committed a federal crime to pay off his debt versus a black man trying his best to settle business loans, show the dirty side of how we are all guilty of perceiving “debt” in our society. If Kathy wants to shame Jumaane for his debt then she should also shame the governor for allowing his top aide to sell his office to pay off his debt.\n\nFrom campaigning to governing, we have a responsibility, especially in New York, to have honest conversations about debt and money. It was our underwriting, derivatives, and algorithms that justified the leveraging of under-qualified borrowers and debtors, which ultimately made a handful of people even wealthier for predicting when they will default.\n\nIt was our constituents in the finance industry that convinced President Obama and Washington to bail out the failing banks with a stimulus package, while we left thousands of mortgage borrowers in bankruptcy.\n\nWe can no longer afford to get by just using slogans like “protecting Main Street over Wall Street” to pander at rallies, not while 45 million Americans suffer from $1.5 trillion in student debt.\n\nInstead of shaming those on the losing side of a rigged, debt-driven society, we must do more to fight for an economy of abundance where we no longer have to accept a “win-lose” dynamic. \n\nAs a member of the New York State Assembly, I have proposed creating the nation’s most comprehensive office dedicated to financial and economic resilience. This office will focus on developing economically resilient communities based on peer-to-peer and cooperative models to support a rising collaborative economy, which will bring countless people out of the vicious, debt-driven cycles.",
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      "body": "![HazelOlive2.jpg](https://cdn.steemitimages.com/DQmbX2bMMDKnF5zwG5s1wsjMuKFFGsor4negBRuhnm24QyA/HazelOlive2.jpg)\n\nRecently, my wife and I took our two young daughters, aged two and four, to a prep school’s free “gifted and talented” info session in downtown Flushing, New York.\n\nWe arrived 15 minutes early and yet there were already packed rows of eager parents and children waiting. My wife was seven-months pregnant with our third daughter at the time, but there was not a single acknowledgement, much less a seating offer, from any parent or staff.\n\nI don’t blame them for the lack of empathy. After all, these folks were all there to ensure their child a spot at the start of one of the most cut-throat, competitive processes in the world—one that leads to a gifted and talented test, middle school exams, a specialized high school test, etc. They were there with an “us-versus-them” attitude.\n\nFor many recent immigrant families, this waiting room would have been a familiar and perhaps even a comforting zone. Many are used to not making eye contact, isolating themselves due to a lack of language skills, and being micro-focused on their own family’s needs. Another child’s success or acceptance into the gifted and talented program meant one less seat for their own, so why bother accommodating others?\n\nImagine a different scenario. \n\nWhat if there were enough seats for all kindergarten children in high quality public schools, with individualized curriculums designed to meet the needs and curiosity of each? What if this gathering was just an assessment of their 4 year olds’ interests and inclinations to start exposing them to different studies?\n\nWhat if it wasn’t a “win-lose, us-versus-them” dynamic?\n\nI see an environment where we would foster a lot more collaboration and encourage even the adults to become more open and curious about our different worlds and surroundings. I see one where someone would have gotten up for my pregnant wife.\n\nHowever, that is not the reality of our current economic paradigm, one based on rewarding extreme competition. It would also be irresponsible to take away one of our country’s most effective pipelines for success, especially in an economy that rewards cut-throat behaviors and fixed “us-versus-them” mindsets.\n\nWe live in a fragile and lopsided system designed to extract value from local neighborhoods for large, powerful entities; one which reduces countless everyday people to a constant state of fear and anxiety—worrying about getting sick, putting food on the table, or paying for their kids’ education. In our debt-driven society, 80% of Americans live paycheck to paycheck. With trillions of dollars in debt from money borrowed for college, cars, credit cards, etc., it’s becoming increasingly likely that we’re heading toward another major financial breakdown.\n\nSimply put, every day fewer people are actually winning under this system; those parents in the waiting room wanted to give their child every edge needed to be on the winning side. \n\nThey are worried for their children’s futures, and they should be.\n\nAs a parent going through this process, I hate the rat race and our current paradigm, which has perpetuated a hyper-competitive, hierarchical, and historically male-dominated culture. However, I also now understand that the test-driven pipeline (G&T, SHSATs, etc.) is neither the problem nor the cause. The root of the issue is our debt-driven growth system that rewards competitive and unsympathetic behaviors.\n\nFor low-income, minority, or immigrant families, they don’t have the luxury of exiting the rat race. As long as things stay the same, they will do whatever they can to make sure their child is on the winning side of a system with a severe shortage of quality classrooms, high paying jobs, and safe retirement plans.\n\nWhen NYC Mayor Bill de Blasio decided this year to get rid of the entrance exams to specialized high schools and reform the gifted and talented programs, he made several blunders in the way he communicated his plans, proposed his ideas, and collaborated with stakeholders. Most importantly, he misunderstood the frame of mind for hundreds of thousands parents just trying to survive in a “win-lose” dynamic that mirrors our schools and society at large.\n\nHe has not fought and pushed for “win-win” solutions by ensuring access to high quality education for all underserved populations. Instead, his actions and words make it clear that he thinks certain racial groups (Asian Americans) at the best schools have “won enough”—that it’s time for other racial groups to win.\n\nHe’s okay with keeping the competitive, zero-sum nature of our specialized high schools and gifted and talented programs by maintaining their limited availability; he just wants to put more underserved minorities on the winning column.\n\nBut this approach does not foster more collaboration and empathy between families and communities. It actually worsens race relations by pitting one group against another.\n\nHis proposal does not improve the rat race system. Those families who are waiting in line at the gifted and talented info session will do whatever it takes to get their child into the winning column, even if it means moving to a different neighborhood, studying more intensely, cramming more lessons, padding in more extracurriculars, etc.\n\nInstead of designing a “win-win” system that fosters compassion and collaboration between communities, the Mayor and his administration have chosen to vilify those same parents and families who have no choice but to be in the rat race as a result of our system’s—and his—failures.\n\nSure, it’d be easy for me to just be angry at those parents who refuse to get up for my pregnant wife. But I also see the bigger picture. \n\nI see a broken and unsustainable debt-driven monetary system that incentivizes dehumanizing behavior. I see those apathetic parents as victims, desperately trying to survive in a cruel musical chair game, one that falsely promises enough seats for everyone who follows the rules and works hard.\n\nInstead of taking more chairs away from them, why can’t we add enough so that everyone has a seat?",
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