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#PredatoryInclusion

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Cory Doctorow<p>Apologists for this system will say that you don&#39;t have to be good at stocks - you just have to pay an <a href="https://mamot.fr/tags/IndependentFinancialAdvisor" class="mention hashtag" rel="tag">#<span>IndependentFinancialAdvisor</span></a> to pick the stocks for you and you&#39;ll be fine. But IFAs don&#39;t work for free! What if you can&#39;t afford one?</p><p>Enter <a href="https://mamot.fr/tags/PredatoryInclusion" class="mention hashtag" rel="tag">#<span>PredatoryInclusion</span></a> - the practice of offering scammy, overpriced and substandard products to poor people and declaring it to be a good deed, because otherwise, those poor people would have to do without. </p><p>6/</p>
Cory Doctorow<p>Woke capitalism is just another kind of &quot;<a href="https://mamot.fr/tags/PredatoryInclusion" class="mention hashtag" rel="tag">#<span>PredatoryInclusion</span></a>,&quot; like <a href="https://mamot.fr/tags/Intuit" class="mention hashtag" rel="tag">#<span>Intuit</span></a>&#39;s campaign defending its &quot;<a href="https://mamot.fr/tags/FreeFile" class="mention hashtag" rel="tag">#<span>FreeFile</span></a>&quot; tax-prep scam, where they&#39;re claiming that ending this ripoff is racist because it denies <a href="https://mamot.fr/tags/Black" class="mention hashtag" rel="tag">#<span>Black</span></a> families the right to be tricked into paying for something they are entitled to get for free:</p><p><a href="https://pluralistic.net/2023/09/27/predatory-inclusion/#equal-opportunity-scammers" target="_blank" rel="nofollow noopener noreferrer" translate="no"><span class="invisible">https://</span><span class="ellipsis">pluralistic.net/2023/09/27/pre</span><span class="invisible">datory-inclusion/#equal-opportunity-scammers</span></a></p><p>I thought Intuit&#39;s <a href="https://mamot.fr/tags/wokewashing" class="mention hashtag" rel="tag">#<span>wokewashing</span></a>, I thought was woke capitalism&#39;s rock bottom, but I was wrong. Stellantis&#39;s call for woke scabbing is a new low. </p><p>27/</p>
Cory Doctorow<p>Today&#39;s key concept is <a href="https://mamot.fr/tags/PredatoryInclusion" class="mention hashtag" rel="tag">#<span>PredatoryInclusion</span></a>: &quot;a process wherein lenders and financial actors offer needed services to Black households but on exploitative terms that limit or eliminate their long-term benefits&quot;:</p><p><a href="https://journals.sagepub.com/doi/10.1177/2329496516686620" target="_blank" rel="nofollow noopener noreferrer" translate="no"><span class="invisible">https://</span><span class="ellipsis">journals.sagepub.com/doi/10.11</span><span class="invisible">77/2329496516686620</span></a></p><p>--</p><p>If you&#39;d like an essay-formatted version of this thread to read or share, here&#39;s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:</p><p><a href="https://pluralistic.net/2023/09/27/predatory-inclusion/#equal-opportunity-scammers" target="_blank" rel="nofollow noopener noreferrer" translate="no"><span class="invisible">https://</span><span class="ellipsis">pluralistic.net/2023/09/27/pre</span><span class="invisible">datory-inclusion/#equal-opportunity-scammers</span></a></p><p>1/</p>
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