This is a story about prostitution...

It is fashionable to describe a female prostitute as a victim, which is a claim we should examine more closely. Certainly, few of us would choose sex work instead of a so-called dream job but what would that dream job need to look like, in order to fit the bill?

The bill.

How is a person supposed to pay for a crack, meth and/or heroin addiction on ordinary wages? How is a person with the chaotic lifestyle of a drug addict supposed to be organised enough to travel to work, arrive on time, and be presentable enough for a regular job?

Turn tricks. Score. Get high. Repeat.

If we examine the behaviour of an average low-income law-abiding productive member of society, we can see the same pattern of behaviour: Work a job which is thoroughly unpleasant, get paid at the end of the week, immediately spend the money on a binge drinking session, and then start all over again.

If we examine the behaviour of a high-income professional in a so-called 'good' job, we can see the same pattern of behaviour: An entire career which feels like a dead-end bullshit job, getting paid at the end of the month and immediately spending all the money on status symbols - the house, the car - in a never-ending cycle of performance reviews, pathetic promotions, job interviews and pitiful pay-rises.

"Do something you love and you'll never work a day in your life" is more applicable to heroin addiction than it is to the pursuit of a dream job that doesn't actually exist.

What did those saintly Oxfam charity workers - who were presumably working in their dream job - infamously end up spending the charity's money on? Prostitutes.

Did we conveniently forget that sex work is well paid with flexible hours? Did we conveniently forget that somebody without academic qualifications can do sex work without having to attend a job interview? Did we conveniently forget that those who have criminal records or other black marks against their name, such that they would find themselves excluded from conventional employment, are able to earn money doing sex work?

Also, do we wish to disbelieve all the very many sex workers who tell us that they choose sex work of their own free will?

Women choose to be prostitutes for very many reasons, but some of the reasons we choose to ignore include the gratification, the reward of the job. Just as a chef likes to delight diners with gastronomic creations, and takes great pride in their work, can the same not be said of prostitutes: That they like to give pleasure? Should we simply forget the fact that sex is a biological imperative, which carries pleasurable rewards: It feels nice to fuck. We get a dopamine hit from having sex, just like eating, drinking, smoking, drinking tea & coffee and all the other vices.

Of course, it's true that if sex is your job, sometimes sex isn't sex... it's just work. We are all very familiar with those times that work isn't pleasurable. In fact, work is often unbearable.

"Oh but prostitution is so unbearable" I hear you cry. It's so relatable, the idea of an ugly fat, sweaty, smelly man, with bad breath, doing something so intimate with us - "to us" - that we struggle to imagine anything worse, short of painful torture. And yet we must confront this truth: You get a lot of buck for your bang.

If we examine every way of making money, we find an relationship between how much we get paid and how much exploitation is involved. The more unethical and exploitative something is, the more lucrative it is.

A company boss might earn a thousand times more than his employees, but this is because he or she is prepared to inflict misery and suffering upon everyone who toils on his or her behalf. A software engineer developing artificial intelligence might earn a very high salary, but this is because he or she is prepared to ignore the potential negative consequences to society. A university professor might enjoy a very intellectually stimulating life, but this is because he or she is prepared to turn a blind eye to the exploitation of the developing world, and its economic enslavement, to support a life of such incredible privilege.

We must distinguish between the slaves, the exploiters, and those who sit somewhere in-between.

We must acknowledge that, in the majority of cases where a man pays a woman for sex, she exploits the fact that he wants more sex than he can get for free, while he exploits the fact that she wants money to pay for drugs, sold by disadvantaged drug dealers who exploit the only money-earning route available to them. The drugs come from countries that are desperately impoverished, deliberately so that the labour and natural resources of those countries can be exploited by the men, who exploit the man, who exploits the man, who exploits the man, who exploits the man who's eventually managed to save up enough of his money to pay a woman for sex.

Do you really know what the company you work for is up to? Do you really know where the money in your paycheque came from?

If you follow the money, you'll see that most of the so-called economy is a massive money-laundering scheme, involving banks, accountancy firms, law firms and numerous shill enterprises, funded with dirty money, which originated in weapons, war, slavery and waste of natural resources. If you're not a slave - working for nothing - then you're probably an exploiter, so who are you to say who is doing the most exploitation?

Those who have the luxury of time to sit around pointing the finger and wringing their hands about 'victims' they know nothing about, are probably the ones who are the biggest beneficiaries of human exploitation, for how else did they achieve their opportunity for such idle talk?

Wouldn't we all dearly love to idly pontificate in some revered institution, and get paid for our trouble? Wouldn't we all choose to think, write, talk and create art, instead our daily toil, if we were given the choice?

I respect the prostitute. I respect anybody who has figured out how to get money and get what they want, by exploiting the minimum number of people. Give me your money, here is your sex. It's a simple transaction of two-way exploitation: No victim, both are slaves.

We're all junkies and prostitutes, in one way or another.

Tags: #sex

This is a story about sustained effort...

I like to concentrate on one thing at a time. I like to be hyper-focussed and blinkered, and to devote all my energy and attention towards achieving a single goal. I like to live my life in an artificially simplified way, by aggressively cutting away anything which seems superfluous; a distraction from my main task.

Unfortunately, I have several concurrent tasks:

• My work
• My debts
• My writing
• My love-life

There are more - such as friends, family, health & fitness, hobbies etc - but I'm not listing those, because I've deemed them temporarily nonessential.

In fact, I had deemed dating to be nonessential, but my life had become too lonely and austere to be bearable. I was torn between investing in my [nonexistent] social life and looking for love. I chose the latter, because of how long it had been since I'd hugged or kissed anybody. Intimacy is important.

My work is arguably a task which will never be completed, but my debts have almost been dealt with. The sum total of my savings is £30,000 and the sum total of my debts is £29,000, so I'm finally 'in the black' although it will be some time before I'm able to release the money and free myself from the bonds of usury. Then, the question is how much money do I really need to live a happy life? I have to decide about this thing people call "work-life-balance" which I always thought was a myth. Without the millstone of debt around my neck, suddenly I gain enormous freedom of choice.

My writing has been the casualty, of late.

Hypomania was rearing its ugly head, threatening to destroy all my hard work building a good reputation in the office. I got a cold and my brain was horrendously sluggish. I suffered alcohol abuse, bad diet, lack of exercise and general neglect of everything in my life, because I was so single-minded in my mission to pay back my debts. My mind was telling me how brilliant I am, that I've managed to rescue myself from a dire situation, successfully deliver some software projects, impress my colleagues, work hard and generally function in society pretty well. I've been getting up early and going to the office. I haven't been taking time off sick. I haven't had much time off on holiday. I've just worked and it's paying off, but I'm so exhausted that I'm going a little crazy. It's hard to deal with the reversal of fortunes; my boom and bust real life triggers psychological problems.

During 3 years of writing my blog almost daily, I never start writing a blog post on one day and then finish it on another. My mind races so much and my feelings change so violently that the tone and content of what I'm writing can veer from one extreme to another, faster than I can pour out words onto the page. One reason for writing so much so quickly, is to capture the variety of my moods and give myself a fighting chance of being able to spot more general trends. In fact, I rely heavily on my regular readers to spot those trends - they're a far better judge of whether I'm swinging into a high or low episode, than I am myself.

To have skipped days of writing really upsets me. I feel really bad when I neglect my writing and my readers.

I have no idea where my writing will take me, especially when I suffer major setbacks such as a sudden loss of thousands of Twitter followers. These things shouldn't matter, but they're psychologically damaging. My digital identity does serve as a substitute for a lot of the things which are presently missing in my life, such as a group of local friends, social engagements and a healthy relationship with my family.

That my life is so damaged should come as no surprise when you consider the magnitude of the tasks which I've been set. Divorce, drugs, alcohol, homelessness, debt and all the accompanying loss of status, stigma and family estrangement - the sense of failure, disappointment and "letting everyone down" - can each be fatal on their own. In combination, those things are a toxic whirlpool; a quicksand which nobody could ever hope to escape from. I could be very upset and depressed about all the things which are broken in my life, but instead I struggle not to get carried away with the minor miracle which has happened: I've bounced back and re-entered civilised society, seemingly without any permanent damage.

So many parts of our society are set up with the optimistic presumption that people are capable of turning their lives around and being rehabilitated, but it very rarely happens. While those who work with addicts, criminals and the debt-laden are very keen to see lives transformed for the better, the reality is that most of the stories do not have happy endings. Most of the stories have sad predictable endings, which are quite tragic.

I'm terrified that I'm going to hit a glass ceiling soon. I will have a mental illness until the day I die. I will always suffer from social jet-lag and a personality which is incompatible with the rat race. I can't change the past - the stigma of addiction and the paper trail which got left in my wake, during an unfortunate period of my life, will follow me around forever. There is no limit on what the organisation I'm presently involved with is able to see: they have access to a vast database of unflattering things, which can never be deleted. My mistakes can never be expunged from the archives.

I could delete this blog, but then where is my reply to the opinions of me expressed upon records kept by organisations who I unfortunately came into contact with?

I would be so much more vulnerable to stigma, prejudice and discrimination, if I allowed other people to lazily sum me up in a few short sentences. Human lives are so much more messy and complex than any amount of words on a page could ever possibly express. It seems like the most natural reaction to being pigeon-holed, to do something like this: to create a document so large that it doesn't even fit in a goddam pigeon hole.

It might seem obvious that I'd be quickly identified as a nut; a crackpot; a madman. That seems like an easy label to attach to me.

However, my long and successful career, the vast sums of tax I've paid, the wealth I've generated for the economy, the tangible products of my labour and intellect - all of these things contradict any attempt to lazily dismiss me as a ranting madman, of no use to anybody, who should be quietly nudged towards the fringes of society until I'm completely marginalised.

My writing is the only thing in my life I have complete control over. I can write as much as I want. I can publish as much as I want. Every act of writing and publishing is an act of rebellion - a protest at the excessive burdens of life - as well as an addition to a growing cache of proof of my productivity and usefulness. I write because it will frustrate and contradict any attempts to write me off.

On paper, I was a write-off.

Nobody would touch me with a barge pole.

If you were presented with a list of all the unflattering things about me - my mistakes; my debts; my problems - as a bullet-pointed list, then you'd have dumped me straight onto the "no hope" pile.

Technically, I don't exist, because my existence is too improbable; my problems were too insurmountable. I should not be alive. I should not be debt-free. I should not be clean. I should not be working. I should not be housed. I should not have money. I should not be out there in the big wide world, walking around like I'm a regular normal member of mainstream society.

I could place put my faith in those who have sworn to make decisions without prejudice or discrimination. I could entrust my whole future - my happiness and my livelihood - to people who've never met me, who will judge me based on a few bullet points. That seems pretty risky to me though.

This is what I anticipated would happen. I knew that sooner or later, if I kept telling my story, I'd reach a point where the rags-to-riches-to-rags-to-riches-to-rags cycle would either conclude - in my suicide - or else I would finally get a chance to have a liveable life. This document contains a vast number of mistakes and unflattering things about me, but it also charts the course of a stupendously unlikely journey, which was almost certainly doomed to failure. If somebody in a position of power is going to thwart me, I want them to do so with a guilty conscience, because they were too lazy to consider all the available information. I'm so much more than a few bullet points on a page. I cannot be dissected with a 66-page form.

Of course, it's terribly teenage angsty to think of myself as a misunderstood character. It's horribly conceited and arrogant to think I'm special and different. I try not to concern myself with such judgements and instead to concentrate on my continued efforts to produce tangible things: to create.

Lots of people have written lots of novels, journals, diaries, blogs, newspaper columns, magazine articles and all the very many other works of printed words. There are quite a lot of prolific writers, who have churned out vast quantities of prose. Does that mean I shouldn't bother? Does that mean I shouldn't even try?

I haven't been very productive during the past couple of weeks, but it doesn't matter because what I've produced is cumulative. Every little effort is slowly adding up to create some big achievements. It's painfully slow, but the progress appears to create sudden overnight success. Nobody really notices all the hard work and nobody can see where it's headed, until one day a huge milestone is reached and everything all makes sense.

The relief of having more-or-less reached one of my most important goals, is highly destabilising and is triggering hypomania: it's hard not to get carried away with the perceived magnitude of my achievement. It's hard not believe my own bullshit - that I'm invincible and that I can overcome any obstacle. It's tempting to act recklessly, believing that I'll always be able to rescue myself from disastrous situations. It's hard to keep reminding myself that my luck will run out eventually, if I keep tempting fate.

I've missed this blog and I've missed writing. I've been destabilised, but I'm going to force myself to continue with my routine, because I think it's very healthy and stabilising for me.

Sorry for the gap in my regular writing.

Tags: #writing #debt #career #privacy #socialmedia #relationships #sex #alcohol #addiction #drugs #homeless #bipolar #suicide

This is a story about brainwork...

In 2008 I became suicidally depressed. I'd been part of the project which had been at the centre of the global financial crisis: namely the trading of quadrillions of dollars worth of credit default swaps (CDS) which had grown in notional book value to be manyfold greater than the aggregate value of all the tangible things, such as precious metals, rare gemstones, property, factories, oil, gas, coffee, coins, banknotes and anything else which you could point at and say "that's worth something".

The world had lost its mind.

I knew it was coming of course. I had bought gold in 2005. I had negotiated a great mortgage in 2007 knowing there was a credit crunch on the horizon. In some ways I had tangible proof that I had been doing something valuable because I owned property, cars, boats and other things, as well as considerable amounts of liquid assets. In short: I was rich.

I got rich from data and software. I got rich off the back of investment banking and derivatives contracts. I got rich off a whole lot of nothing.

In 2008 it really felt like I'd presided over the most awful crime ever perpetrated against humanity.

I'd worked hard and I'd done my job very effectively. I thought about the bigger picture and I knew - deep down - that what we were doing at JPMorgan was wrong, but I'm an engineer and I like delivering engineering solutions. If somebody asks me "can you do this?" then I want to be the problem-solving can-do guy who comes up with the solution and delivers a working system. Often times I stop and take a step back, and think about the context of what I'm doing - I consider the ethics - but that's not really my job. I just design and build software systems.

The whole "I just work here" or "I was just following orders" thing is how the Nazis managed to kill 6 million jews, so I'm not going to hide behind that flimsy defence.

I know what I did was wrong.

So, I decided to completely ditch investment banking. I decided to do something that was the polar opposite of investment banking. I retrained in the building trade.

Instead of working in an office, I worked in customers' houses. Instead of working to devise arcane and impenetrably complicated ways of moving imaginary wealth around the globe, I helped build houses for people to live in. Instead of working for a massive faceless global corporation, intent on destroying the worldwide economy and plunging us all into the deepest and longest recession in history, I worked for myself - I was a sole trader; a man with a van.

I discovered that what I'd always suspected was true: I work hard.

It's hard to prove that you work hard, when all your hard work is hidden away behind the scenes. You have no idea how hard it was to build all the websites and apps that you use every day. You completely take for granted all the facets of the modern world, where you can speak to your phone and express your unique special snowflake personality on social media. The geeks and the nerds are derided as autistic-spectrum weirdo scum, who are all potential paedophile predator perverts who deserved to have a miserable childhood getting bullied at school.

While we celebrate the doctors, nurses, firemen, policemen and suchlike, because their contribution to society is conspicuously obvious and easy to understand - like a game of cops & robbers - questions such as "what is the internet?" belie the hideous complexity of that innocuous 4-word question. If you're looking for a convenient Google-provided soundbite synopsis that you can parrot to other people, in the vague hope of sounding intelligent, you're doing a disservice to those geeks and nerds who you persecuted at school, who are the architects of the fourth industrial revolution.

It's very hard for me to prove to you that I've been working very hard during my 21-year full-time career. You're quite likely to accuse me of not working very hard at all, because there are people out there who do a lot more physical labour, and what they produce is a lot more tangible and more easily understood in a childlike brain.

It was immensely frustrating to me that I had no easily understood empirical evidence to prove how hard I work; to prove that I'm a busy bee.

I started to write.

I've written the equivalent of 22 novels over the course of 3 years.

Of course a lot of what I've written is manic rantings, but one should be mindful that during the course of the 3 years I've also written a lot of software, and software doesn't work if it's wrong. One missing semicolon in millions of lines of code and the whole thing will be kaput. You should consider the fact that it's a facet of my profession to write with coherence and attention to detail, because my editor has zero tolerance for mistakes: the computer can't handle errors.

It pleases me that I've produced 1.1 million words in my spare time as proof that I'm not an idle drug addict loser. It pleases me that I have a tangible asset, which vastly exceeds the length of the King James Bible.

Would you accuse an author of a bestselling series of novels, as being unproductive and not working for their living?

I say again: I've been writing in addition to my full-time day job.

It's true that sometimes I find my day job very easy and unchallenging, but there are other days when there are gremlins in the incomprehensibly huge and complex computer software systems, and those problems are very hard to diagnose and fix. Manual labour is governed by a simple and well understood set of physical laws: the energy requirements to lift and move heavy objects is quite easy to calculate. The amount of brainwork required to fix a problem with one of your beloved apps or websites - to give a facile example - which might affect millions of people, is not an easy calculation at all. If you think what I do is unimportant, you should see the public response every time Instagram stops working or Snapchat introduces a major change.

My motivation for writing this is, of course, insecurity. I struggle with feelings of inadequacy and guilt. Imposter syndrome asserts itself and I wonder what the hell I've been doing with two decades of my life, with nothing to show for it except a lot of crummy software which almost nobody is aware even exists. I would struggle to explain to either of my grandmothers what I do for a living, especially now they're dead.

I exist in a strange part of the world. I'm a 'tame' geek who can speak plain English. I don't surround myself with other technologists and I'm cursed with a bleeding-heart liberal streak and an inquiring mind, which causes me to question whether I'm part of the problem or part of the solution.

Because of my guilt, work ethic and insecurity, I feel like I have to create a very conspicuous and public display of my productivity, which can be easily understood. Here's the headline: 1.1 million words in 3 years.

I write because I'm afraid that you'll write me off as a lazy junkie waste-of-space loser who doesn't do anything productive or useful. I write because I don't see much other evidence that I ever existed or did anything notable; that I ever contributed to society.

"Use your talent and energy for good" I hear you say. Yup. That's working out really great for the oppressed workers, isn't it? I'm so glad that charity has been so successful that it's made itself completely redundant as a concept.

I write because I haven't decided what else to do, but I'm still thinking, of course. You might think that thinking is useless, but what is writing except for thinking on a page?

Tags: #writing #philosophy #career #work #economics #banking

This is a story about pride and self-esteem...

At the start of December last year I was thrown a lifeline. A friend recommended me for a software project with an investment bank and I was awarded the contract. I flew to Warsaw using the last of my available credit. I ate sandwiches made in my cheap hotel room, spreading mayonaise on the bread with a shoe horn. The expenses of my business travel exhausted what little money I could lay my hands on, but I knew that it would eventually be a profitable gamble, even though it left me temporarily penniless. To be precise, for a whole month I had exactly £23 left available to me, having maxed out all my credit cards, my overdraft and my other borrowing facilities. I was flat broke.

We don't really talk about our debts.

Men regularly commit suicide because of their financial problems.

It's such a shameful thing, to be in debt.

It's so destructive to our self-esteem, being in debt.

The only reason why I've started to talk about my debts is because I see light at the end of the tunnel. Illness had reduced my average earnings to a pitiful level and the interest payment to service my loans was enormous, further compounding the problem. If you were to owe one penny at the time of the birth of Christ, with interest payable at 5% per annum your debt today would now be £9×10³⁸. Nine quadrillion quadrillion pounds is only £9×10³⁰ and there's barely a quadrillion dollars worth of 'stuff' in circulation, which is only £1×10¹⁵. To be precise, if we added up the value of all the banknotes, gold, silver, diamonds, houses, cars. factories, livestock, land and everything else which is supposedly tangible, it only adds up to £183,000,000,000,000, which is 1.83×10¹⁴.

This is why civilisations need to forgive debts, lest those civilisations collapse. Every civilisation that refused to forgive its debts collapsed.

When we start needing to use quadrillions and powers of ten to express sums of money, and the very best science, technology, engineering and mathematics graduate brains are all diverted into the time-wasting exercise of counting all those imaginary beans, it's time to wipe the slate clean.

I have a debt to a friend which absolutely must be repaid, because it's personal. That money was loaned without interest and was lent at considerable risk, as a vote-of-confidence in my abilities, and my friend's faith in my trustworthiness to make good on my promises and act with integrity.

The remainder of my debts serve as a barometer of how near to collapse our civilisation is. When our ordinary populace has to take on enormous amounts of debt just to live a normal life, it's a bad sign. When those debtors struggle to repay their debts, then the collapse of civilisation is imminent. There's no point repaying debts which are about to be scrubbed because money and the so-called economy have become surreal and ridiculous. There's no point repaying debts which weren't borrowed from anybody.

The vast majority of money which has been borrowed is not secured against any tangible asset. Most money was simply invented out of thin air. It's been a long time since we abandoned the gold standard: your banknote's promise to pay the bearer on demand no longer has any meaning whatsoever. The idea that not repaying your debts is somehow robbing a pensioner of their life savings is a dirty lie perpetuated by capitalists and bankers, which is simply not true.

It keeps me awake at night, worrying about how I'm going to repay my guardian angel, but I'm now at the point where I have saved enough money to clear my debt.

The shame of owing that money was killing me.

I couldn't write about my financial distress, because I couldn't see any way out.

I'm one of the lucky ones. I've been able to work off my debt. Most people who have huge debts will never be able to afford to repay them, no matter how hard they work.

We are at an inflection point. People are slowly realising that all their hard work does nothing except line the pockets of idle bankers, who invent money out of thin air, devaluing our currency to the point where the vast sums of so-called money in the economy is incomprehensibly vast except inside the electronic mind of a computer. Do you even know how many zeros there are in a quadrillion? It's a madness which has got to end.

This is a part of my story which is far more shameful and embarrassing than my homelessness and my drug addiction. To write about my debt is harder than anything I've written about to date.

Tags: #debt #banking #capitalism

This is a story about the money multiplier...

Let us imagine for a moment that I manage to obtain a banking license and start a brand new bank, but I don't have any money. In this hypothetical example you want to buy a house valued at £100,000 - for the sake of easy maths - and you have a £10,000 deposit. Further, let us imagine that there are lots of people who would be glad to take out personal loans, overdrafts, credit cards and other kinds of borrowing, and pay high rates of interest. Let us set the central bank lending rate at 0.5%, the mortgage rate at 5% and the unsecured lending rate at 20%. With me so far?

What I seek to prove to you is how capitalism is rigged so that those who control the money in the economy - the bankers and other capitalists - can make as much money as they want and not work at all, while the rest of us pay double. We pay with everything we earn and we pay again because we pay with our time and labour, which all ends up in the pockets of the capitalists.

Here's how it works.

You go to your bank with your £10,000 deposit. You give the bank your hard-earned cash.

Then, here comes the magic trick.

Your £10,000 is a liability on the bank's balance sheet. That is to say, if you were to deposit £10,000 the bank would be liable to pay you back as and when you demanded to have your money. However, the banks can do a little trick to turn a liability into an asset: It's called the money multiplier.

Banks only need to keep about 5% - or less - of the money that's deposited with them. So the bank can lend out £9,500 of your £10,000.

Then what happens?

Well, that £9,500 comes back into the bank in the form of a deposit. Let's say that our bank is paying a very generous 0.25% interest on their deposits. So, the bank has a £10,000 liability on one side of its balance sheet and a £9,500 asset - in the form of a loan - on the other side of its balance sheet, plus £500 in its reserve account. The loan brings in interest of 20% and the deposit attracts interest at 0.25%. The net monthly income for the bank is therefore £158.33 and the net monthly cost of interest payments is £19.79, yielding a very healthy £138.54 of profit every month for doing nothing.

So that's almost £140 profit every single month - £1,662 per annum - for doing absolutely nothing! But the best part is that it doesn't end there.

Because the bank now has a deposit of £9,500 it can now lend 95% of that. The bank can lend £9,025, making sure it keeps 5% in its reserves. The bank then has assets of £18,525, liabilities of £19,500 and reserves of £975. Somehow £18,525 has appeared out of nowhere.

The two loans yield £3,705 a year, while the deposits only attract interest of £463, giving a net annual profit of £3,242.

Three thousand quid a year for doing nothing!!

Yes.

That's right.

But it doesn't end there.

The bank keeps on lending money that it doesn't have.

A loan of £8,574, a loan of £8,145, a loan of £7,737, a loan of £7,351, a loan of £6,983... and so on.

Eventually, the bank has made loans of nearly £190,000 from an initial deposit of only £10,000. The bank also has deposits of almost £200,000, but these attract very little interest. The annual interest payable on the loans is £38,000 and the interest payable on the deposits is only £5,000, so the bank has an annual profit of £33,000 for doing nothing.

Now what?

Well that person still wants to buy that house so the bank is going to need some money. Where's it going to get the money? Well, no problem - it will borrow it from the central bank.

The central bank will want some collateral as security against the loan, but that's no problem because the bank has assets of almost £190,000 worth of loans bringing in £38,000 of anuual income, so it's clearly a creditworthy institution. The central bank is happy to lend the bank £90,000 at interest of 0.5%. The bank can then use that money to buy the house, which it adds to its balance sheet as an asset.

Now the bank owns a loan book of £190,000 worth of loans, cash reserves of almost £10,000 and a house valued at £100,000. It's very important to note that the person who wanted to buy the house does not own the house - it's the bank's property!

The bank now signs a mortgage contract with the house buyer for 25 years at 5% annual interest for a loan of £90,000. This loan will yield £4,500 per annum in interest payments for the bank, but it only costs the bank £450 a year in interest which it has to pay to the central bank, netting it a profit of £4,050 per annum, in addition to the £33,000 of other profit it makes from its loan book.

Now the bank is making a total annual profit of £37,050 and they are doing nothing.

Nothing.

Meanwhile, the person who bought the house needs to earn at least £6,312 a year to pay their mortgage. The person who bought the house no longer has the £10,000 they saved up. The person who bought the house has not only handed over their savings and committed themselves to having to pay a large amount of money every month... now they have to go and get a job from the capitalists or else they're going to be homeless! Remember, the bank owns the house, not the person who pays the mortgage - the witless idiot is now enslaved by capitalism.

Also, there are more than 100 people who took out loans, credit cards, overdrafts, store cards and other forms of unsecured personal debt, who now have to work hard to pay off the loans at 20% interest. People have become indebted by an additional £190,000 because one person wanted to buy a house, but they didn't realise they were going to get conned along with the rest of working-class society.

The magic trick that gets used by the banks is called fractional-reserve banking, which it allows a very small group of capitalists who have a banking license to economically enslave the whole of society in debt-based indentured servitude.

When loans are necessary to purchase basic survival needs - such as shelter - then there's no other word for it except for slavery. Shelter is not a luxury. Shelter is not an optional nice-to-have.

Insecurity about our shelter drives us into the open arms of the exploitative capitalists, who benefit doubly, because they earn money from us in the form of interest on loans and mortgages, and they have us right where they want us as an insecure workforce who desperately need to keep our regular income lest we be evicted and have our homes repossessed. The workers own nothing and the capitalists own everything. The rentier class have all of the wealth and do none of the work. Capitalism is the greatest crime ever perpetrated on humanity.

I hope you've been able to follow along the basic maths, and you can see how rigged the game is. It's quite simple to explain this horrific scam.

Tags: #capitalism #banking

This is a story about screen time...

The button to silence my smartphone has broken so I leave it permanently in "do not disturb" mode, which suits me just fine. Hardly anybody ever phones me except for agents and other cold caller sales types. My time is mostly spent in the 12 apps pictured above. Perhaps I'm not on my smartphone all the time, but essentially I'm context-switching non-stop throughout my waking hours, so I thought that warranted a little examination.

Starting with my 35,225 unread emails, my inbox has gotten rather out of control. Email has become such a victim of its own success that no IT professional I know even uses it anymore - we're all on Slack. Most communication is entirely transient and there's no need to have a record of anything except some kind of chat transcript to catch up on - anything old can be archived and forgotten. I spend all day every day chatting to my colleagues on Slack, including colleagues from organisations where I don't even work anymore.

Messages comprises SMS messages - mostly telling me about voicemails I haven't listened to - and a handful of iMessages from people who aren't using WhatsApp for some reason. WhatsApp deserves special note though, because of the group chats. I was removed from the only group chat I was a member of - discussion between cryptocurrency enthusiasts - and I was usurped by a guy who screwed me over last year when I was on my deathbed, which is kinda besides the point but it galls me.

Instagram I don't actually use very much. I live in a text-based world and the photos I take are in 4:3 or 3:2 aspect ratio, not 1:1. I don't take very many selfies.

Facebook Messenger is my most active chat app, but I only use it to chat to one person - my guardian angel - and we mainly exchange memes about suicide, mental health problems and the ruined economy. Facebook messenger also makes calls - as do many of the apps - and I occasionally speak to a friend in Poland, which is about the only time I speak to anybody on the telephone.

Recently I've been using Tinder and Bumble in an attempt to meet girls. It adds additional complexity to my context-switching life.

I'm not really sure what I use Facebook for. I do browse through the feed once a day - not on my smartphone - and I occasionally like and comment on things which are especially noteworthy, but I generally try to avoid over-investment in that particular walled garden. I used to share a lot and indeed I've managed to rather make a fool of myself in front of all my friends and scupper my chances of ever working in some organisations, because I dragged my own good name through the mud. I don't put my dirty laundry on Facebook much, only for it to be conspicuously ignored. Instead I write over a million words on my blog and broadcast my ups and downs to thousands of followers and anybody who does Google searches.

I don't use Twitter properly. I don't generally retweet stuff and I don't spend enough time reading the tweets of the 6,000+ people I follow. How anybody could sift through it all I have no idea - Twitter is a pretty noisy place. Generally I just look to see if anybody I know is tweeting about any of the trending topics, and I otherwise rely on an email I receive in the morning each day, which tells me what my favourite people have been up to. I must admit, it's sometimes a struggle to stay on top of my notifications and DMs and then I turn turtle and hide for a while until things quieten down.

I don't bother with LinkedIn much. I don't struggle to find work. I don't much see the point in ploughing much time and effort into my corporate image - I've got a perfectly professional CV and LinkedIn page, and otherwise I rely on my contacts, skills, experience and references to be able to get work when I need it.

I wake up in the morning and I quickly scan through my notifications - mostly Twitter - to see if there have been any comments, which I make a mental note to reply to later in the day. When I get bored around mid-morning, I have a glance at my inbox to see if there's anybody demanding money with menaces or otherwise harassing me. Approaching lunchtime, I might kill a bit of time with Facebook, but I don't want to get too engrossed in my phone when I'm at work. If I'm having a really dreadful day, I might reach out to a couple of friends via Facebook Messenger and WhatsApp and see if I can get them to send jokes, memes or anything that might provide a moment's distraction from the boredom. After leaving the office and generally before my evening meal, I write a blog post. I often scan through my website analytics to see if there's anything notable going on. If my mind is busy and distracted I frequently find myself flipping between half-watching something on Netflix and several tabs in my browser - a mix of Facebook and Twitter. Sometimes I read the news, but I find that I spend less and less time engaging with current affairs at the moment, because I've been stressed out of my mind with basic survival. A new part of my routine is chatting to girl(s) via the dating apps and if I'm ever lucky enough to get a phone number, then chatting on WhatsApp.

The amount of context switching is pretty remarkable. In any given day I might have to switch between fully professional mode, with colleagues who I want to present with a squeaky-clean corporate-friendly version of myself, and a more relaxed but still guarded version of myself which allows a little bit of my personality to show, but hopefully keeps my bad not-safe-for-work (NSFW) stuff hidden. I might be chatting to somebody who I've known for a long time online who's in a different timezone - ahead or behind - and they'll know an incredible amount of personal stuff about me and we'll be talking very frankly and honestly about everything and everything... then I'll be talking to a girl who I've just started chatting to who doesn't know me at all... then I'll be chatting to work colleagues who I spend 40 hours a week in close proximity with and they think they know me but they don't [and I don't want them to know everything]. Then, there's the image I present and the interactions I have via my blog and social media. and all the people who I have frequent and infrequent contact with, and the different ways I know people. Facebook is a particularly weird melting pot, where former work colleagues mingle with people who I know through kitesurfing, my startup days, the time I was homeless and living in parks and hostels, people who I've just randomly friend requested when I was mentally unwell. Facebook is kinda the worst, because I never know which guise I should be in, so I'm probably too honest and I'm tarnishing my own reputation and good standing that I once had with friends.

My brain has to switch between survival mode - where I've been worried about money, housing, addiction, alcoholism, transport, sex, isolation, suicidal thoughts, self harm, depression, anxiety and odds that have been very much stacked against me - and professional mode - where I'm expected to perform at a very high standard and navigate extremely complicated large organisations and know all the ins and outs of massive and complex software systems and the infrastructure they're deployed on, plus all the many teams and the zillions of people and the processes and procedures - and my digital identity which I'm cultivating - which needs me to compose a blog post every day and stay on top of any replies, messages and emails, and generally keep in touch with an ever-growing list of friends who I've never met in person, but who've been amazingly kind and supportive during rough times - and Mr. Eligible Bachelor mode, which requires me to present myself in the correct sequence, so that I can be understood without at the same time being overwhelming and off-putting.

To some extent my life looks quite simple. I have a job and not much else - I don't socialise and I'm not in a relationship. To the casual observer, all I do is move between my home, the office and a hotel, and I'm always in front of my laptop, tapping away at the keys quite furiously.

I suppose my life is quite simple, if we imagine that my fixation is the screen and the keyboard, but the screen time is a red herring - it's a window to an unimaginably gigantic and complex world of thousands of interactions with people all around the globe.

The context-switching is pretty hard though. I've struggled to stay on top of everything during the last couple of days.

Tags: #socialmedia #privacy #writing #friends #career #computing #dating #sex

This is a story about late capitalism...

Having been part of the JPMorgan team who built a system to process more than a quadrillion dollars of credit default swaps per annum, and also the system to find out who was holding the pass-the-parcel when the music stopped, only to discover it was full of dog shit, I feel pretty responsible for the credit crunch and financial crisis, which has plunged us into a global recession many times worse than the Great Depression of the 1930s. I'm pretty disillusioned with capitalism.

I've had front-row seats for most of the insanity of the past 25 years - dot com, Y2K, 9/11, credit crunch, financial crisis of 2007/8, Bitcoin etc. etc. - and I was a fully paid-up subscribing member of the 2% profiting handsomely from others' misfortune with my snout deep in the trough.

By 2008 I was sickened by the way I'd turned a blind eye and ignored my moral compass, because I enjoyed the wealth and privilege. I was able to buy a house, a yacht, a speedboat, sportscars and go on enough luxury holidays to help me set aside my misgivings about what the investment banks were doing to the global economy, by creating fabricated securities such as derivatives, which were somehow valued at a vastly greater sum of money than the aggregate value of all the precious metals, gems, land, property, cattle, food, commodities, industrial plant, machinery, companies and cash that exists on the whole planet. I was shackled with golden handcuffs - who in their right mind would give up their trophy wife and pull their kids out of private school, to slum it with the hoi polloi?

I decided that I was sickened by the bullshit synthetic world of digital securities and digital bank balances, and the global computer network with all its software and data, which actually doesn't create anything real or tangible. It seemed like the infamous tulip speculation bubble in the Netherlands during the 1600s. It seemed like utter insanity to place so much importance on a bunch of binary ones and zeros which exist nowhere but as a tiny magnetic bump on a disk platter, an electron in a memory chip or a photon in a fibre optic cable. The entire weight of the internet is estimated to be about the same as a golf ball, if you add up all the electrons. It's madness to think that any of our digital scorekeeping - i.e. your bank balance - will matter at all when global warming really starts to bite.

I quit my investment banking IT job at JPMorgan and I retrained as an electrician. I wanted to build real and tangible things with my hands. I wanted to learn a trade which couldn't be outsourced or automated. I wanted to escape the virtual realm of high finance and software and into a field which could make a real difference in people's lives. Try living for a day without your lighting, heating, hot water, power shower, cooker, dishwasher, washing machine, tumble dryer, kettle, toaster, fridge, freezer and the myriad other electrical appliances which you don't even notice are there in your life, saving you untold time and physical labour.

It turns out, we don't value tradesmen as much as we value bankers.

I could've scraped a living, but it was hard work with little reward. The work was dangerous and dirty and the general public expected to get everything for virtually nothing. I didn't much fancy working my whole life with the threat of bankruptcy and my home being repossessed, never having enough spare money to enjoy what little leisure time I had. Economically, it wasn't viable to be a tradesman, except as a kind of break-even hobby. It made no economic sense to use 100% of my brains and brawn, but receive so little reward.

Subsequently, I've returned to making software systems for banks, doing so as a consultant and getting paid even more. I've been a leech on a leech, and the cash has poured in.

Throughout this journey my priorities have completely changed. Instead of aspiring to acquire and accumulate vastly more than I would ever need, and fantasising about buying bigger and better houses, yachts and other material possessions, my fantasies have taken on a completely different guise.

I've been fantasising about quitting the rat race, and having secure housing. I've been fantasising about having enough money to read books and write. I've been fantasising about having time and being free from the tyranny of the alarm clock and bullshit jobs.

I'd live in a Soviet-style apartment and have beige products - no consumer choice - if I could be intellectually free. I'd travel on the bus and give up exotic foreign holidays if I no longer had to play along with the charade of late-capitalism, where we are all commuting too far, working too many hours, and living under constant threat of losing our jobs, losing our homes and subsequently being made destitute. Given the choice, I choose equality of outcome, not equality of opportunity.

It seems pretty obvious that the equal opportunities experiment has run its course and it would be inhumane to continue. Free markets are efficient, but they are only efficient at stripping away people's security, happiness, dignity and any hope of ever feeling content or satisfied. Capitalism is - by its very nature - a force which will price gouge humanity for the basic essentials, such as food, housing, transport, healthcare, medicine and to some extent education.

Our poorest 50% struggle to afford the basics, while even the very rich are miserably struggling to attain the academic qualifications which will allow them to compete, lest they be trampled by the struggling masses, desperate to realise their opportunities. The competitive element of capitalism has turned us into slaves. Our lives our wretched and appalling.

I desperately want to drop out of the rat race, but to do so would see me persecuted. I wouldn't even be allowed to sleep rough and beg for food without being arrested and locked up. Society offers me no ability to house, feed and clothe myself, with any degree of security or quality of life. Working a zero-hours contract McJob is not going to earn me enough to pay rent and bills, buy food, travel to work and have any kind of life worth living. The theft of our time and freedom is an awful crime perpetrated against most of society. The chance to stop and smell the roses is denied to us when we do not have secure food and housing.

The only viable solution that I can see is universal basic income (UBI). I just don't see how else we're going to be able to stop the terrible decline in living standards and save humanity from the tyranny of exploitation by the capitalists. It seems like we're at breaking point when even the middle class children are becoming slaves to the capitalists, with enormous loans for their education, which might win them a low-paid job in a completely unrelated field from their university degree if they're lucky - the unlucky ones end up unemployed.

It's a sad state of affairs when our fantasies revolve around basic needs, such as secure housing.

It's not my idea of a good time, sitting at home smoking cannabis and playing computer games, but I don't see any reason why it's not morally acceptable or right to allow people to do that, and not threaten them with homelessness and starvation if they don't get a bullshit McJob and otherwise comply with the tyranny of late-capitalism.

The idea that we live in a land of opportunity and that hard work will bring rewards has been proven to be a lie, and ever more-so during each passing year. It's time to let people live lives of quiet dignity, rather than frantic futile desperation.

It's time to just give everybody enough money to live in peace.

Tags: #economics #banking #computing #politics #debt #capitalism

This is a story about marathon running...

I'm quite pleased that I have this blurry photo capturing the moment when a stranger borrowed my iPhone charger in an airport. That stranger became my accountant and he's been on the journey with me, from a newly incorporated business to the point where I'm now turning over a 6-figure sum of money and making decent profits. My accountant has been one of the few constants in my life during a period which has been extremely wild and erratic.

Another particularly notable feature of the 5-year journey which has brought me - finally - closer to the point of getting back on my feet, is that I've never stopped moving. Through frantic and frenetic activity I've managed to avoid death, bankruptcy and a million and one other dreadful fates. By persevering with a very simple plan - to earn a lot of money as a consultant - I've managed to weather some pretty dreadful storms.

I admit that I did try to have myself declared unfit for work and to obtain the state welfare support I'm entitled to, but most people I meet seem to quickly form the opinion that I'm perfectly fine and healthy. Most people think I'm entirely capable of rescuing myself from even the most diabolically awful situations. It's pretty obvious that I haven't been enabled by anybody, although I'd be dead as a dodo if it wasn't for my guardian angel, who helped me move from London to Manchester, then Manchester to Wales, as well as being there for me during various hospitalisations and wotnot. To say I've arrived at the point I'm at today all on my own is not true at all. Of course I wouldn't have lasted 5 minutes without help and support, but I haven't received any of the help and support from the government that you'd think would be available to a vulnerable person - the safety net simply doesn't exist.

You would think that all your taxes which you pay would give you some kind of insurance, so that you wouldn't be penniless and homeless if you couldn't work. You would think that all that tax would mean that you'd be looked after if you were incredibly sick and vulnerable. Unfortunately, the welfare state is not at all kind to anybody who appears - with a lazy glance - to be of sound body and mind. Despite letters from GPs, psychiatrists and social workers, there are gatekeepers who are so compassion-fatigued and have so few resources to dispense to so many needy people, that there's no safety net at all.

Early intervention would have saved me a lot of near-death experiences, hospitalisations, contact with the police, wasted money, wasted time, wasted energy and health damage. Early intervention would have been far more cost effective than dealing with the consequences of assuming - incorrectly - that I'd cope just fine if I was simply left to my own devices; made homeless and otherwise abandoned by a nanny state which always promised to protect me, in return for the vast sums of taxes I've paid. I wasted a lot of time and effort on the mistaken middle-class belief that the welfare state exists for the sole purpose of protecting the vulnerable members of society. I thought - as so many middle-class people do - that I simply needed to ask for help from the relevant services charged with doling out lifesaving support and I would received what I needed.

It turns out that the UK operates what can only be described as a hostile environment for anybody who falls on hard times. It turns out that vast swathes of the civil service - with a mission statement to supposedly to help society's most vulnerable - are actually acting as gatekeepers and making it almost impossible to access any kind of help or support. Instead, the rigmarole is intended to frustrate, annoy and exhaust until you become disillusioned, disheartened, discouraged and generally lose faith in a government which promised to look after you in the event of an unfortunate turn of events, in return for a hefty portion of your income. The safety net turned out to be a lie and you'd better not waste too much time being angry and disappointed, because you're still broke and homeless... you have to find your own way to survive. No wonder so many people in the UK grow and sell cannabis or peddle other drugs - the black market economy provides much needed cash to society's most vulnerable, impoverished and desperate.

I suppose the argument would be that I could walk into a job quite easily, but that's pure stupidity. It's impossible to get a job and keep it if you're homeless and you have severe mental health problems. It's impossible to get a job when you're hamstrung by addiction and alcoholism. It's impossible to get a job and keep it when you're flat broke. It's a catch 22 situation. There are plenty of people who could theoretically get back on their feet, but they'll never be able to without some initial help and support - they need somewhere to live and some money; they need treatment for their addictions and alcoholism; they need time to stabilise their medication and get counselling for their mental health issues. Allowing people to become homeless - destitute - and to commit suicide is barbaric. Yes, it might seem to the wealthy ultra right-wing conservatives like it's some brutal form of social justice - survive or die; fit in or fuck off. Personally, I want my taxes to be spent on people who can't work, even if it means that I have less money to selfishly spend on myself. I want to pay into a national insurance scheme which creates a safety net for the most vulnerable and impoverished members of society.

In the second half of 2014 it dawned on me that I was wasting my time asking for help from the state, so I complied with exactly what the hostile environment was designed to do: I tried to go back to work. Naturally it was a disaster. You can't force sick people to work. Sick people can't work.

I've struggled along working for 4 hit-and-miss years. I've had a rollercoaster ride. I have periods where I'm working out of sheer desperation, which of course makes me incredibly sick, so I crash and burn every time. Because I seem blessed - or cursed - with the appearance of a man who's got his shit together and is doing just fine, I end up quickly embedded in huge organisations doing very important project work. Because of past achievements I'm given responsibilities which nobody in their right mind would dream of giving to a homeless, bankrupt, alcoholic junkie with mental health problems. The projects are hard enough, without also having to worry about where I'm going to sleep, whether I've got enough money to survive from day to day, and of course dealing with my mood disorder and all the of the problems associated with substance abuse.

Imagine doing an opiate, benzodiazepine and alcohol detox while working a full-time job. Imagine doing drug rehabilitation while working a full-time job. Imagine undergoing psychiatric treatment for severe mental health problems while working a full-time job. Imagine living in a 14-bed hostel dorm while working a full-time job. Imagine not knowing whether you'll be able to afford to keep travelling to work until payday - the ultimate catch 22, where you can't even afford to work your full-time job. That's been my life.

Some of the practical difficulties have been eased in the short-term with vast quantities of debt. I've borrowed heavily to be able to make my living and travel arrangements more compatible with working. I've gone deep into debt on the presupposition that it will enable me to earn enough money to dig myself out of the hole. In addition to the hard problem of working when seriously unwell, I've also had mountainous debts threatening to destroy me.

All of this is exactly what the government wants. The government wants us all to be heavily-indebted wage-slaves who live incredibly insecure lives, so we're easy prey for the capitalists. The government doesn't want us to get fat, happy and lazy. The government doesn't want us secure enough to be able to demand fair and reasonable working conditions and remuneration commensurate with the value of our labour.

I've worked incredibly hard, especially so during the last 9 months. I've earned a lot of money, but none of it has flowed into my pockets - it's all gone to pay the capitalists for their loans, which was the only way I could stay afloat and keep playing the game. If I'd declared bankruptcy I'd never be able to earn a decent wage ever again, rent an apartment or buy a house. The system's set up to screw you whichever way you go; you're forced to become a slave.

With gritted teeth and dogged determination it's been possible to struggle through 9 dreadful non-stop working months and get to the point where it looks as if I'm getting on top of things. I've had a period of what appears to be stability. You could be easily fooled into thinking that forcing me to work when unwell has actually proven the right-wing ultra-conservatives to be correct - that it's OK to economically enslave people; that it's OK to tell society's most vulnerable that they have to choose between starving on the streets, or a minimum wage McJob which won't even cover the cost of incredibly frugal living.

It might not look like it but I've actually done an incredible marathon run and I'm doing a sprint finish. It might not be immediately apparent but it's quite remarkable that I've survived what I've been through and I'm still going. I need to keep going. If I can't keep going then all I'll fall back into the hole as soon as I collapse exhausted in a heap. Every time I'm forced to push myself beyond the point which is sustainable and healthy there's always a price to pay. There's a price to be paid for forcing vulnerable needy people into work.

It might not seem like things have been very hard for me if we extrapolate backwards, but we need to think about where I've come from and what I've been through, not what my current situation and prospects are. My current situation is still pretty dire - there's a long way to go before I can retain my gains permanently; I'm a long way from escaping the debt trap and being free from tyranny. My health is not reliable. My future is incredibly uncertain.

I'm having a difficult time adjusting to the present paradigm. My brain and body are built for crisis mode. I'm able to deal with an endless precession of catastrophic events and survive disaster, but I'm struggling to adjust to the present situation, where I simply need to coast along now that I've re-established myself somewhat. I'm finding it incredibly hard now that I'm no longer in the danger zone - I'm on high alert and super tense, but the worst of my troubles seem to have passed. It's been a living hell but I've beaten the odds. However, I have absolutely no ability to cope with ordinary pedestrian, plodding, slow-paced and hazard-free life. I don't think I'm able to deal with boring daily routine, because my life has been in non-stop crisis for so many years.

So, I'm sprinting to the finish line. I never manage to find steady sustainable consistent marathon pace.

Tags: #homeless #debt #career #mentalhealth #bipolar #politics #capitalism #depression #suicide

This is a story about life falling apart...

I've started to put my life back in good order, but I still have to get well enough to go back into the office sometime soon. I look like a tramp at the moment. A very tired tramp.

My bedroom carpet has been deep cleaned. The walls really need a wipe down and there's a bit of decorating touching-up to do. Considering I barricaded myself in there for days in very unsanitary conditions, it's not too bad. I need to buy a new bed, but I hated the old creaky one anyway. It's alright, but has a very ugly repair to one of the bars, which I decided I needed for my barricade, so I bent it in half until it broke.

As you can see, my temporary window coverings have been taken down. The low-tack masking tape I used hasn't left any marks or pulled off any paint. However, in the very worst case scenario, I could replace the underlay and carpet, replaster and repaint all the walls, and re-do all the caulking, which'd cost me about £1,000, plus the cost of replacing the bed. Frankly, if I stay for a couple of years and do a bit of touching up with roughly colour matched paint, nobody'll really notice - there's a huge patch where the paint is a whole shade darker, because I moved the wardrobe out of my bedroom and into my dressing room.

As for me, I'm exhausted. I had to get up and tidy my bedroom before the carpet cleaner arrived at 10am. I slept on the sofa. I probably didn't fall asleep until about 3am, even though I had sleeping pills and tranquillisers.

I have a mountain of towels and bedding to wash. The bathroom needs a good clean.

I need to re-stack up all that crap that's on my bed behind my second, superfluous, bedroom door. Perhaps I could get things a bit more organised while I'm at it, but I'm too tired.

During all this craziness, there's been a Royal wedding and apparently there's a big local music thing that all the locals are going on about, like it's not just some random concert. So many people have told me that "the place will be gridlock". London can put on a marathon all round the centre of a city of 10 million people. I think the Billy Ray Cyrus cover act playing "Achy Breaky Heart" headlining Wales' "Big Weekend" isn't going to cause too much of a problem for a city which is about 1-2% as big as London.

So, I've dropped out at the moment. I'm not going to the office. I'm not seeing anybody. I'm not leaving the house. I'm not leaving my apartment. Sometimes, I'm not even leaving the same room for days.

Problem is, in London you can pretty much shove your thumb up the Queen's arse and get away with a slapped wrist, but here it's a proper community and people stick together. You can't misbehave without getting in serious trouble. People gossip. Messages and emails get forwarded again and again and again. Faces get remembered. You bump into people you know.

If all else fails, try Wales, but I still need to be careful not to shit on my own doorstep cos what I got away with in London FOR YEARS just will not fly round here. I wanted a clean break, a fresh start, but I've already fallen out with a GP who was partially responsible for a young man's suicide, and a girlfriend who seemed to think the worst of me, despite evidence to the contrary. I've been accused of writing stuff on my blog about people and their families and generally sharing private stuff. Bullshit.

I need to act a bit differently now I live in this tiny city, so that I don't fall out with any more friends and break up with any more girlfriends, but you know EXACTLY who I am and EXACTLY what I think, without naming names or sharing private things... of my friends. If you're not my friend, you're fair game, except I'm not nasty and vindictive.

I'm feeling a bit sad that I've only got 2 non-work friends in the city, and that a great opportunity to socialise is currently a bit difficult because I don't want people from work seeing me when I'm looking so unhealthy.

I went on a site to find drinking buddies, and meetup.com. Jesus, that's depressing. My ex-girlfriend was always worried that I was "downdating" because the pool of available hotties in this tiny town is nothing like London, where Tinder brings an endless stream of stunning intelligent and cultured women.

If the work dries up here and I fail to find a social group I like, I think I could end up going back to London, now that I have the money to do it in style. Being able to drive to work is brilliant, but I'm so worried that I'm not going to find friends and a girlfriend who have similar values, goals and ambitions.

You know what I really miss? My cat and my girlfriend's cats.

It's amazing how quickly I went from viewing a yacht, drinking in the sun at a food festival, having a picnic in the sunshine, and finally getting a bit of a tan... to losing my girlfriend, risking my job, wrecking my bedroom, losing my mind.

I think I just want to drop out completely. I'll empty my bank accounts to pay back my guardian angel, and the taxman and the banks can go fuck themselves. I'll leave the country and go live and work somewhere you don't have some god-awful experience every time you just want to get a bit of money or a place to live, somewhere laid back. It's stressing me out too much, the pressure of staying in the rat race and keeping squeaky clean - one black mark and you're f**ked.

My ex-flatmate who owes me about £6,000 in unpaid rent and bills, also owes thousands to basically anybody who would give him any kind of credit agreement. The red bills - final demands - and debt collectors started appearing soon after I threw him out (I gave him SO MANY chances, but he kept lying and the debt kept getting bigger). Now, if his Instagram is to be believed, he's living the high life, so maybe there's a lot to be said for being a thoroughly disreputable and immoral piece of shit.

Personally, I've contributed the best part of a million quid to the economy, and I've worked my arse off to never default on a debt and always honour my commitments. Maybe that's where I'm going wrong. I need to just be a flakey drop-out. I think it'd be more fun. It'd certainly be a lot less stressful.

Tags: #apartment #relationships #flatmate #debt #friends #sailing

This is a story about primary care...

Primum non nocere is in and of itself a non sequitur because the use of Latin and other languages of classical antiquity is primarily intended to deter the hoi polloi from becoming educated. The number of doctors who are able to train, qualify and practice, is something that is tightly controlled in order to maintain high salaries - artificial scarcity - as opposed to allowing the unrestricted proliferation of medical knowledge which might improve the health of the nation.

Those who profess the Hippocratic Oath might be able to stay true to the vow they have sworn if they practice the treatment of acute illness in a hospital - dealing with curable disease and injury - but in the treatment of chronic illness in the community, as General Practitioners (GPs), can we say the same?

If we look at a few obvious statistics, we can see that medicine is failing. Average life expectancies have started to fall and chronic illness has seen a dramatic rise. There is an epidemic of mental health problems, and suicide is the biggest killer of men under the age of 45.

Of course, one might say that the root causes of these conditions are non-medical.

It occurred to me that a significant piece of the NHS has already been privatised, in that many general practice surgeries are owned and operated as private profit-making enterprises. This seemed to present a significant conflict of interest, so I decided to conduct an experiment.

I asked a GP a simple question: when you're treating a patient, do you think about their healthcare needs, or do you think about other things? The reply was shocking.

"It's not about [the patient] it's about everybody else"

I'd had my suspicions for a while - gathering plenty of evidence - that those who profess to do no harm might actually have been corrupted into serving other purposes; into betraying their profession and failing in their duty of care. This was the final confirmation that my worst fears were realised, and there are powerful actors within the healthcare system who place other things above the health of their patients.

By co-opting doctors into the capitalist profit-driven sector of the economy, and by co-opting them into the welfare system, we are asking doctors to choose between their luxury cars, the private school fees for their children, and other trimmings associated with their high social status, versus increased taxes to pay for the welfare state. By placing the most vulnerable people in society in front of the doctors, when seeking incapacity benefit, the government is pitting one group against another.

If the study of economics has taught us anything, it's that people respond to financial incentives. While a GP might argue that they're saving valuable taxpayer money, which might be spent on the NHS, by denying incapacity benefit to a vulnerable member of society, one must also admit that the GP acts in rational self-interest. Less money spent supporting society's most vulnerable means a lower tax burden and more money in the pockets of the profiteers, which include GPs who are partners in their practice.

The first principle of do no harm forbids a doctor from weeding out malingerers based on their best guess. To cut off somebody's incapacity benefit is definitely harmful, and there is no diagnostic test which could decide with a high degree of accuracy who is the malingerer and who is genuinely unable to work. If the doctor in question truly cares about their patients, they would have no option but to choose the option which gives most benefit and inflicts least harm.

We see so many suicides because patients are fobbed off with inferior treatment options, because it's a cheaper alternative to give somebody pills than to give them psychological therapy. While I understand that being cost-conscious might be seen as being pragmatic, it again violates the principle of do no harm. To fob a desperate and vulnerable person off with ineffective medication, when better treatment options are available, is tantamount to negligence. If a doctor has a consultation with a man under the age of 45, they must surely be well aware that suicide is the thing that is most likely to cause their death, and they should therefore treat it as a serious threat to their life. To call people's bluff and knowingly prescribe ineffective treatment is obviously the reason why suicide rates are so scandalously high.

I imagine that some doctors - although egotistical and in love with themselves - have a tiny piece of them that wants to make a difference and save lives. I think that exhaustion and the pressures that are felt by ordinary people are imposing themselves on doctors now, who are struggling to send their children to the best private schools (boo hoo) and are feeling compassion fatigued because of burnout. If we can relieve the pressure on GPs, they may become more willing and able to work in support of their patients' needs, as opposed to "everybody else" (read: being the government's job police).

I strongly believe that we have an urgent need to change primary care, so that it becomes not-for-profit, and patient healthcare can become the primary objective. Perhaps profits are not the primary motivator, but money has a corrupting influence which can be clearly seen when you speak to a GP who is/was a partner of a practice. Co-opting healthcare professionals into the job of coercing vulnerable people into bullshit McJobs, where they are exploited by the capitalists, has absolutely nothing to do with healthcare and is most certainly harmful.

I've witnessed first-hand how this care for "everybody else" - instead of patients - has become shorthand for the compassionless, sympathy-lacking, bullying, hectoring and suicide-inducing grotesquely twisted vision of so-called medicine, inflicted on society's most vulnerable people.

If you want to be the job police, and you think that suicides are an acceptable price to pay, so you can feel superior and send your kids to private school, perhaps medicine is not for you.

Tags: #nhs