Modern human development

A long time ago, long before the dawn of civilization, humans had basic necessities: Eat, sleep and procreate. In there they also probably sought shelter, since their skin had only a limited amount of hair and, judging by the climates we chose to inhabit, we would need to have someplace to keep us warm during the crap weather.

Eventually we created tools, like most creatures do. Our hands and feet were great for some things but not all. It was easier to dig holes or carry things with the right equipment. And clothing also helped us maintain our body temperature when were to lazy to move beyond our season-changing locations.

So, flash forward to modern times, we not only have all the basics covered but we have moved well beyond into the world of automation and motion. We can travel farther, faster and more than we could have imagined in our hides and bone tools. However, many of us are become complacent to the world and this is troubling, to say the least.

With all the advancements we have made we all begin assuming rather than knowing. We assume we are guaranteed tomorrow or guaranteed that, if we work, we will be provided with the currency to provide ourselves the means by and which we survive. Of course, in a modern world, no one has to worry too much about these fundamental things because, well, we have support structures and safety nets and, the evil of all evils, credit.

Our world is now in a false peril because of that last little bit. Once assumed that, if one puts forth an effort, one is rewarded. So we extend and extend and extend ourselves out to the point where the house of cards could crumble at any moment. I am not just talking about the small change stuff like credit cards and car loans. I am talking about loans from banks to other banks, investment loans and business loans. I am referring to companies extending themselves on the false assumption that a short-term demand (in the grander scheme of things) is enough reason to extend oneself to the brink of collapse.

Banks are a thing that I have become more and more intrigued with as of late. The headlines alone give one reason to pause because the collective money of others, and the collective debt, lead one to believe that no one knew what they were doing. We saw a collapse in the 1920s that forced the government to have to insure the deposits of the individuals. We saw the scams of the savings and loan companies of the 1980s. And now we see a scam where banks traded unpaid mortgages as a commodity rather than something solvent like a company with an actual product.

Once it all caved in, when all their excess fund dried up and were spent, all of these giants of the finance world were left with the reality that they pushed it too far, made too many mistakes and now are reigning in the funding.

Just the other day I went to apply for a refinancing of my student loans. I have not missed a payment for years, when I was in my growing pain years of my late 20s, and I have tried to maintain good credit by paying or overpaying my loans to the point at which I am comfortably having enough money. However, I was informed that my debt-to-income ration would require me to get someone to co-sign a loan. Ladies and gentlemen, boys and girls, I realize that, as far as income goes, I do not have all that much. But I also do not drown in debt every month. But I did take out student loans when I was younger and they are almost my annual income. However, my payments don't choke me all that bad, just that it will take me a good, long while to pay them off.

All I was looking for was a lower interest rate through my bank. If could do that, I could attach it to my bank account and overpay that as well. As it stands, I am paying too high an interest because, two years ago, the interest rates were godawful.

While I agree that I am a tadpole in Lake Superior, I think I deserve a shot at a lower interest rate just like AIG gets a bailout. I handle my finances better than they do. I shouldn't have to be made to feel like an ass because I have debt, should I?

I know I lost track of my point but my point is that this is the reality we face. That is our world in common. Everyone is affected by this modern era. Now if we could only get back to basics.