This is a story about acting unconscionably...
I'd like to tell you that I had an enjoyable evening picking out a sofa and a bed, which I need for the house I'm hoping to rent soon. Certainly, I visited IKEA and I did photograph a couple of items of furniture which I liked, and I lay upon two or three different mattresses, plus I sat down a couple of times to see how comfy some particular sofa cushions were. However, I was mainly visiting to purchase a chest of drawers, to replace one in my current rented home.
How the white IKEA chest-of-drawers came to be discoloured is something of a mystery to me, but there's a noticeable yellowish tinge which I'm certain was not there when I rented the place, roughly a year ago.
I'm not happy to hand the keys back to the landlord, and leave it up to him to replace the chest-of-drawers.
Technically, it's wear-and-tear. Technically, my landlord should expect to have to do a certain amount of property maintenance each year. Technically, it's not at all clear whether I'm at fault for the discolouration of the chest-of-drawers, or perhaps it was some manufacturing fault.
Whatever. I feel responsible. I feel like it's my responsibility to hand back the keys to the place in more-or-less exactly the same state that it was rented to me.
I've been a good tenant.
I always kept the place pristine.
I've always paid my rent on time.
I've always fixed any problems I found, not wanting to hassle the landlord.
I've hardly lived in the place, having spent most of last year in hotels and AirBnBs.
The manner in which I conduct myself brings people of different kinds into my life. One flatmate left owing me £7,000 in unpaid rent and bills, without a care in the world - he felt he was entitled to help himself to a vast amount of my money. One of my blog readers lent me some money, which allowed me to avoid bankruptcy and rescue my business, which is my livelihood and a source of stability.
I was ashamed to have to borrow money from a real person, rather than a faceless profit-making bank, but that shame serves as a litmus test, for me. Those who feel entitled to spend other people's money, and never repay it, despite having the financial means to do so, and who act without a conscience, are at one end of the spectrum. At the other end of the spectrum are the people who play by the rules - a debt is a debt, and a debt to a friend or a good samaritan is something that should be treated with respect - their conscience is troubled while that debt remains outstanding; they are anxious to pay back those who have been kind and generous.
It occurred to me that I might be asking for it.
I have a friend who regularly asks to "borrow" money. I have tried to employ this friend. I have offered to gift him money, instead of "lending" it to him. I have offered to purchase the things he needs as gifts, instead of "lending" him money. He knows I can often afford to lose the amounts of money he asks to "borrow" and I know he can't afford to pay me back. That's our arrangement, and I don't begrudge him, even though some might see him as taking advantage of me. Once I was briefly angry when he didn't show up to do the work I'd paid him in advance to do, but merely because of the inconvenience of having to find somebody else to do the work, when I was stressed and really didn't need the hassle.
The ex-flatmate who owes me £7,000 didn't ask to borrow that money. He simply didn't pay his bills or his rent. When I told him that he would have to leave, he accused me of intimidating him, harassing him and suggested that I might be in breach of some law, by refusing to let him get further into arrears. His mother is wealthy and owns a very large house, which he visits regularly. His lack of money was a symptom of his idleness; his sense of entitlement. In short: he's a spoiled brat.
I have a friend who I fell out with over money, a couple of times. I lent him £10,000 so that he could become a stock market trader. The loan was only supposed to be for a year, but after 4 or 5 years of not seeing a penny back, I decided to press him to repay what he owed. He acted as if I had done something wrong; as if it was my error, not his. Some years later I asked him for some help to find somewhere to live, and with the administration of my business. He saw that I was earning a lot of money at the time, and set about spending a very large amount of my cash on "us" which I later resented, because the division of labour didn't seem to justify the rewards he felt entitled to.
I also have a best friend, who gave up a very lucrative job and left his pregnant girlfriend behind on the other side of the country, to run a company with me. Then I was extremely unpleasant towards him for 3 months, during a startup accelerator program. I was a very driven man at the time - as CEO - and the way I spoke to my friend probably deserved a beating in return: I was asking for it, one might say. That friend must certainly have lost money versus his earning potential if he'd stayed in his well-paid job, but he knows I love him dearly and we both enjoyed the adventure, at times. He also knows how guilty and bad I feel about everything that didn't go so well; everything I did wrong.
The friend who's "borrowed" a couple of thousand pounds from me over the years thinks I'm asking for it because he considers himself a "have not" while also considering me a "have". I'm not sure whether he sees himself as Robin Hood, per se, but his justification is not entirely unfounded, hence why our friendship persists to this day. He is certainly a very disadvantaged young man, versus my own seemingly charmed existence.
People hear the way I speak - with a posh English accent and a wide vocabulary - and they assume that I had a privileged upbringing. They assume that I went to private school. They assume that my parents paid for me to go to university. They assume that my parents funded me through unpaid internships, so I could get into investment banking. They assume that I'm the person I sound a little bit like.
The problem with sounding a little bit like a privately-educated investment banker from a wealthy family, is that you're asking for it.
Maybe I should tone down my accent, wear jogging sweatpants and sneakers, use more slang. Maybe I should pretend to be ignorant of things which are generally the preserve of snobby elites, and narrow my field of interest to popular sports, soap operas, reality TV and celebrity gossip.
Maybe I shouldn't wear make-up, a short skirt and a low-cut top, with high-heels, and go to a place where people frequently hook-up for sex, because those things are avoidable, right? It's my fault that people feel entitled to greedily grab my money, because I'm asking for it. I'm asking to get ripped off. I'm asking to get used. I'm asking to get raped.
The comparison I'm making is unpalatable; perhaps unspeakable.
There it is. I said it.