But that's a slur that does hurt people. Clanker doesn't, whether said in public or privately. I also agree that it's not really a slur since it's targeted at unfeeling robots. I think people mostly just call it a slur because it's funny (to them, though morally classifying it as such is murky).

You said it was foreign to you... So I provided an example of it happening...

Last year my job refused to give me an inflation adjustment, then they laid me off 6 months later because they didn't have as much growth as they projected.

Is that inherently a bad motivation? What makes slurs a bad thing? The fact that they hurt people? This doesn't hurt people.

If the concept of someone staying in the same rental for a while and having their rent increase over time is that foreign to you then I don't think you should be commenting on this topic.

You can be if you stay in the same place and the rent keeps increasing.

Banks will not give you the loan if you do not make enough such that your repayments would be less than 35% of your income. But you could very well already be paying more than 35% of your income as rent. Trust me bro not everyone is renting because they feel like it. One of my friends saved a $100k deposit but didn't have the income to get a big enough loan for a house. These people aren't just stupid. Buying isn't an option for them.

Yes, it's in favour of buying in the past. If you missed your window you're fucked though. That's why I bought, because I recognised the sliding window and knew if I didn't buy now I'd be locked out of buying forever and instead get stuck renting forever. I don't think anyone is against buying, just often unable to.

Yes I've applied. I bought a place last year so it's very fresh. Banks being math-based is exactly the point. They won't bend the rules for you. Plus the expense is mostly set in stone once you buy, whereas with renting you can rent an affordable place and have it increase year-on-year every year following, taking it from within that 35% to above it.

Banks don't give loans like that to people who aren't high earners already.

People could happily spend 50%+ of their income on their mortgage but banks will not give them those loans because they are seen as high risk, whereas people can rent at 50%+ of their income because there's less risk for the landlord (their only real risk is having to find a new tenant).

Congrats, you're in the minority.

there he is. Vinny.