@MJA,
no no no no...
its absurd to think the interest taken is fair and makes up for... whatever... that fluctuation is hardly.... ok well here... the only experience i know is because of NO credit (not bad credit) when my husband matt was just 19 and not having any credit yet... couldnt get a car for a fair price... had NO choice but to go to fast finance... they hook us up with a car that we are forced to pay 3x the true value of the used vehicle and then matt lost the job (measuring houses for carpet)* and couldnt afford payments... got it reposessed... and now after having only owed roughly 4k... they took it and auctioned it and say he owes them (after 6 years) over 13k dollars.
*then the messed up thing about that carpet job was the guy who hired matt was contracting his work out to guys... he would get 22 dollars per house plus the gas mileage fee... but he got matt to do the work for 14 dollars a house and no gas money. matt lost the job because a client had instructed matt to measure certain rooms and then said they only wanted 2 rooms instead of like 6... and all that extra carpet matt had measured/ordered/delivered was charged to matt. not being able to pay it... his boss said he was just gonna start doin his work again.
this type of behavior is everywhere... these rip off systems...
car insurance too... getting plpd and paying for years... car gets totaled... only get 500 dollars back... but had to pay triple that in payments over just a few years. paying for the right not to get sued... WTF
and people sueing for crazy junk
parental behaviors so disgusting... oh wait im sposed to be talkin about finances here...
yeah anyways... its all sick... it all needs to shift to something entirely different.
oh and by the way i wasnt talkin about a dad... i just meant people seemed to be a little different... some people... i dunno