Let's help each other fight this Brave New World

Complain about it, try to understand the reasons for it, and think up methods of combating it.

>>44
I was thinking on other alternatives to credit as in using a method of "saving" used in southamerica in low scale: In some places this is called "vaca" (cow)

Example: 6 people agrees to put 10 dollars for 6 months.
So each month you will get 36 dollars.
Each month, randomly,or by other method, one person will receive the whole "cow".
This goes on for 6 months.

Assuming everyone pays, In the worst case, you will be saving and get 6 months of saving at the end of the 6 months.

In the best case, you will get a loan with 0 interest.