This is a story about being a scapegoat...

There's one simple rule to follow in life: don't be an arsehole. If you're bully, criticising, undermining and generally destroying somebody's character, you're an arsehole. People are basically good. Billion dollar companies like eBay have been built on positive not negative stereotypes.

If you assume that everybody is out to rob you, hurt you. If you assume that everybody is bad and you're the only good person on the planet, and treat people according to this negative worldview, then you're going to be isolated and lonely.

It's important to listen to somebody's story, and consider all things with an open mind. There is no shorthand for somebody's life. You can't just hear one negative label and think "yeah yeah yeah, I know the rest". You know absolutely nothing about a person.

I've been advised by mental health professionals, psychologists and amateur psychologists to avoid labelling myself. However, creativity loves constraints, so I have labelled myself and I'm owning that label while I tell that story, knowing that it will be strongly emotive.

My dad joked that we should name our black & white cat "Ginger" because it would challenge people. It would literally blow people's minds. People would fly into an irrational rage, just because a black & white cat was named "Ginger". Yes, some people are so brainwashed, that they feel pure terror and anxiety at the smallest thing that doesn't meet their expectations of conformity.

We are very programmed to conform. We are groomed, massaged, browbeaten, into a kind of group conformity. Kids in school and adults at work are a lot easier to deal with as one homogenous blob, a sea of blank grey faces, rather than a bunch of individual humans. It's much easier to command & control if there is groupthink and uniformity.

Bizarrely, I hankered after some conformity in my life. I wished that my parents were married, I wished that my Dad was into football like the other Dads, I wanted to wear the right trainers and tie my school tie in the 'correct' way, rather than the way that an adult would wear a tie.

Subcultural phenomena are immensely important as a means of indicating to people that you belong to their tribe. Wearing the right clothes and having an interest in the right things makes the difference between an easy life, or a life as a weirdo, an outsider, a spare part, an alien.

You might not understand why something's so important to somebody, but they do. They understand the difference it makes to their daily life, being singled out as 'different'. They have to deal with the daily consequences of being marked out as not belonging to the clan. Not wearing the right tartan, so to speak.

If you are forced to be trapped into a place where you don't belong, or you're not accepted into the group, to the community. If there is constant friction, resistance, then you have to find survival strategies.

I'm very good at zoning out, putting myself into a trance-like state. I can transport myself to another time, another place. I can transcend my body and just wait it out. If you think I'm impatient you couldn't be more wrong. I'm probably one of the most patient people you'll ever meet.

I had such a good grasp of time at school that one of my party tricks - that gained me a little oddball popularity - was being able to count down 5... 4... 3... 2... 1... and then the school bell would ring. I had a natural sense of good timing, given how important the end of school was in my life.

My entire soul yearned for the brief freedom from the bullies that came after school, at weekends and during holidays. The entire structure of my personality was reshaped by time, the clock, the timetable.

I would be down all termtime, and then I would go absolutely bezerk during holidays, trying to pack all that missing fun into those short periods. I would be very tired and lethargic and not enjoy very much of anything during termtime. I would be sad and crying about the bullying. Then, when the holidays arrived, I would hardly sleep, get ridiculously overexcited to have been released from the chains of relentless bullying, and I would launch myself at things with unbelievable enthusiasm and energy, because I knew that the holidays were short.

You might say that I'd be depressed for 6 or 7 weeks at a time, and then hypomanic for 1 or 2 weeks. Yeah, you could say that there were two extremes in my life. You could say that for 13 years there were two poles in my daily existence. You might say that my entire time at school, I had to be very bi-polar, because of the enforced structure of my life. It was the only way I could survive.

When I started work, I was 3 or 4 years younger than everybody else in the company. I was 17 years old and doing a graduate job for BAe Systems. The graduates tolerated me, but I was just a schoolkid to them. I hadn't yet been to University or done much growing up, so I was immature and obviously, I was a bit weird.

Sure, I made friends, but I was always a bit of an oddball. I was always doing something embarrassing or stupid, because I was going through the transition from childhood to adulthood. I was doing the growing up that my peers all did together at University. I made the mistake of accepting every drink that was bought for me, including the 'dirty pint' that I was tricked into drinking and throwing up in front of my colleagues, for example.

Time is the only thing that can change things. There is no short cut to growing up. Yes I was mature for my age in some ways, and I had to fight against ageism, but I also made mistakes that were purely down to immaturity. The best thing I could do was to sit tight and wait until my face matched my experience. I was never taken seriously when I was younger.

Respecting your elders is a mistake in technology, computing, IT, software. If you always do what you always did, you'll always get what you always got. Technology is disruptive, it's innovative, it's fast-paced and ever-changing. You can learn as much from the 'script kiddies' as you can from the key-man-dependency 'oracle' type character who think's he or she is the font of all knowledge.

Technology is truly meritocratic. I really don't care how many years you've worked in software. How many websites and apps have you made? How many users have used your software? How many trillions of dollars has your software processed? Those are the objective measures, obviously.

The grass roots are taking hold. The pyramid is starting to look like it's built on shaky foundations. The bullied kids, who spent all their time on computers as a form of escapism, are now running your company. You might think that because you did an MBA at some business school and were generally academically bright, that you command & control your company from the boardroom, where you puff out your chest and feel terribly important. You're wrong.

The thing about old companies is that they do things in old fashioned ways. They are not modernising fast enough, because of all the gatekeepers and people who have an over-inflated view of their self importance. Customers pretty much care about only two things: price and quality. Brand recognition is a function of consistent quality over many years of using a product or service. People won't stay loyal to a company forever, if they're getting inferior quality or paying over the market rate.

Challengers are offering innovative products, higher quality at a cheaper price. When it comes to technology, the challengers are offering a delightful user experience, rather than just the bare minimum for an older company to remain competitive. Old companies are all about cost cutting and keeping costs low. New companies are all about investment and offering something that puts them head & shoulders above the competition. New companies can't rely on a monopoly, so they have to try harder.

We live in a highly regulated world, so there's no risk associated with switching to a different product or service. They all have to adhere to the same standards, and they're all underwritten by the same guarantees. You have the same consumer rights, whether you've bought a product from an old company or a new company. You have the same rights as a consumer of a service from an old company or a new company.

The difference with the challengers is that they're hungry. They're enthusiastic, passionate and energetic. They're not sitting back, farming their monopoly and expecting the good times to roll forever. They're trying to nip and bite the ankles of the big players, and take a slice of the big market share pie, by delivering superior products and services.

My watch wasn't made by some amazingly skilled craftsman in Switzerland, who had to spend many many years learning the art of horology. No, it was 'assembled' in China after it was designed in California. It cost a fraction of what a Patek Philippe would have cost and it does a lot more stuff. I can pay for stuff with it, travel on busses and the underground, monitor my heart rate, receive directions when I'm driving or cycling, ask it questions, get reminders of stuff I need to do, check my diary, see who's phoning me before I get my phone out of my pocket, and read my messages and emails. It has seamlessly blended into my everyday life.

Monopolies don't last forever, and if you dig in and refuse to listen to what the disruptive young whippersnappers are saying then you will find yourself stuck out on a limb. You'll be sat there in your boardroom in your massive headquarters, wondering where all your customers and your profits went. The challengers are no longer coming. They have already arrived and they're disrupting your industry, and word is spreading amongst customers that there's a better way.

The geek will inherit the earth. The meek geeks are taking over everything. Chances are, you don't run a product or service company anymore. You run a software house that happens to specialise in a certain product or service. It's the software and systems that run your organisation, not your people and processes. You're mistaken if you think your best sales rep or most amazing manager are your most important assets. Those individuals just won't scale up like a software system can.

Automation and mechanisation is changing the whole world. There are still plenty of examples where we can industrialise. Where we can get the benefits of higher production and lower cost. We can eliminate human error and the limitations of workers ability to work fast and concentrate 24 hours a day, 7 days a week, 365 days a year. The more that we allow machines to do, the more efficient industries become, and the more delightful the customer experience.

Have you ever noticed how it feels as if you're getting to your destination faster, if you see a queue of traffic and decide to nip down a back alley, to take a rat run? You might not actually be moving any faster, but at least if feels like you're travelling rather than standing still. You might take this analogy with supermarket kiosks. Now that you scan and process the payment for your own groceries, it feels faster, because you're not stood in line waiting for the cashier. Really, you're just saving the grocery store the cost of having to have extra checkout cashiers to cope with the demand, but the cost saving means they can deliver higher quality groceries for the same retail price.

Economies of scale do work, and retailers are very good at scaling things up, because their margins are very aggressive. In the marketplace with price comparison technology, consumers will vote with their feet if your prices are not competitive. Banking hasn't really got its head around that yet. Many people still bank with their original current account, because they haven't seen the benefits of being a 'rate tart' or finding a higher quality online or mobile app experience yet. However, as Apple Pay becomes more and more prevalent, your bank is becoming less and less relevant. Having access to a branch is irrelevant if you live in a cashless society and you have a good mobile app.

We are witnessing a changing of the guard. Out with the old, in with the new. Long live the Queen, cash is not king.

Robots are going to pick out your Christmas presents and despatch them to you. One day, a drone helicopter will deliver your packages. Change is coming. Don't fight it. Geeks don't like fighting (June 2008)

Tags: #bipolar #bullying #childhood #career #banking #capitalism #computing

This is a story about being down and out on the streets of Camden Town...

Performing your greatest hits over and over again drives you insane. However, the public and society expect you to keep repeating what you do best, again and again and again, like a dancing bear or a dog trained to do tricks.

Whoever pays the piper calls the tune, but I'm not a CD player. If you want to listen to the same song over and over again, just press the repeat button on your iPod. Making an artist compromise on their creativity, in order to simply be a human machine, a robot, can destroy them.

The anxiety associated with knowing you have to do something that you've done so much that it's a complete paint by numbers, starts to become an unbearable burden on your ability to be able to function. Pretty much the only way to remain functioning is to drink yourself into such oblivion that you just don't care anymore.

Alcohol is a GABA agonist. What that means is that it suppresses a certain amount of your brain activity. It's effectively making you chilled out and dumb. Yes, if you're chilled out and dumb, you don't mind doing the same stupid shit over and over and over again. If you're intelligent and creative it destroys your soul, your desire to continue living.

Is it arrogant to say "fuck this" and stop doing what your talent and experience qualifies you to do, because it's destroying you? Should I just shut the hell up and "get a job" as I've been told to do by some ignorant twats? Well, it would literally kill me.

There are 2 ways I could die right at the moment. I could kill myself or I could drink myself to death. These are both sane responses to an insane world. I'm not a robot. Sorry about that.

My whole job is to automate human tasks. My whole job is to get mechanical robots, machines, to perform repetitive tasks instead of having human slaves or human robots doing them. We have reached a point with the development of technology, computing, software, where we don't need to do stupid repetitive shit anymore. Even creating software doesn't have to mean re-inventing the wheel anymore.

So, if you ask me to do something that's just plain wrong, I won't do it anymore. If you ask me to write code that's just going to go into the dustbin, I won't do it. I've stopped writing bugs. I've stopped supporting failures and idiots who don't have a software background. If you don't know your arse from your elbow, I won't show you the respect that you don't deserve.

If you want to know how to build software that can process $1.16 quadrillion ($1,160,000,000,000,000) per year, you can pay me for my professional opinion and I'll show you how it's done. That's the most money that's ever been processed by a banking software system, so that means I know what I'm talking about. If you don't want to listen, we can part company and I'll wish you the very best of luck.

1% of 1 quadrillion is 10 trillion. 1% of 10 trillion is 100 billion. 1% of 100 billion is 1 billion. 1% of 1 billion is 10 million. Any questions?

Ignore what people tell you. Money really does grow on trees, for those who can be bothered to climb. Yes, geese that lay golden eggs really do exist. You just have to climb the beanstalk and risk the wrath of an angry giant.

Magic beans are not a waste of money. They can help you to climb the beanstalk. They won't help you climb back down again though. What goes up must come down, but you might take a tumble. More on this in a future post entitled: Self Medication (Part Two).

You've heard about doping in sport. Why would you think that the athletes of the corporate world would be any different from those who compete in the Olympic Games? The pressure to perform at the very top of your game is just the same, if not greater. The competition is fierce, and anything that gives you a competitive edge is needed unless you want to be trampled underfoot by the thundering herd.

Did you ever wonder why London drinks so much coffee? Did you ever wonder why people are prepared to pay the best part of £3 or £4 for some bitter black sludge? Well, it's because of a plant alkali called Caffeine. Yes, that's a performance enhancing drug. It helps you to concentrate, and allows you to work with more energy, stamina, than would ordinarily be permitted by your body & mind. It increases your output potential.

Limitless? No, not limitless. There is a cost involved, and that cost is insomnia and anxiety. But don't worry about that, because there's always alcohol to take the edge off the anxiety and put you into an alcohol-induced coma that is a substitute for sleep.

You are never more than a few tens of metres from an outlet for caffeine or alcohol in London. They even have bars at bus stops. Well, they don't really, but me and my friends made one. It was very popular. It was the ultimate London pop-up.

What can I get you, sir? Would you like uppers or would you like downers? Uppers in the morning, and throughout the day. Downers after work and throughout the whole weekend. Uppers again on Monday morning to get you going again. Heaps of downers on a Friday to try and calm down from the working week, to 'rest' and recuperate. Oh yes, London is a very high performance place.

So if it's not limitless, what happens when you reach the limits? What happens when you're working on the number one projects for the number one companies, dealing with the biggest amounts of money that have ever been processed in the history of humanity? What happens when you have completely saturated yourself with alcohol and caffeine?

Well, you need crutches. You need a wheelchair. You need something to keep you rolling. You become somewhat disabled, but you need to keep moving, so you get wheeled around or you have to hobble along. Why do you think your office chair has wheels on it? It's because you're probably so f**ked that you can barely stand.

Yes, globalisation and corporate culture will f**k you up. You're only playing by the rules. You're only trying to compete and stay up with the herd, but it's f**king everybody up. Setting everybody up to compete with one another is causing people to be trampled to death.

Adversarial culture is wrecking lives. Us vs. Them and the zero sum game is in the spirit of competition, not co-operation. For somebody to win, somebody else has to lose. The system is designed to have losers as well as winners, and because there can only be one winner, that means everybody else is a loser.

Ultimately, somebody is going to win. Yes, that's right. One person is going to have it all, and everybody else will be dead and buried. An eye for an eye leaves the whole world blind, apart from the one-eyed man, who is king of the world. Everybody else just starves to death. Great system!

But we're all in this together, right? There's safety in numbers, surely? Well, you shouldn't put the Lions in charge of the herd of Zebra. That's pure madness. The conflict of interest between the Lions and the Zebra means that the Lions are not best placed to be in charge of the herd, even if they are at the top of the food chain.

Being an apex predator does not mean that you are best qualified to judge what the greater good is. It means that you're incentivised to be selfish. You don't want to tumble from your position at the top of the pyramid. Being one of the struggling masses is shit beyond belief.

Counter-culture does not mean sitting around smoking dope. That's just totally dumb. You might as well just hurl yourself into the Lion's mouth. Making yourself slow and stupid is just about the dumbest possible thing you could do. It's playing into the hands of the oppressive ruling class.

You think this is a bit paranoid and conspiracy-theory-esque? Well, do you feel lucky, punk? 2.7 billion people live on less than $2 a day. Would you and your family like to join them? Would you like to get to the back of the queue? Would you like to swap your decadent western life for the life of somebody in the developing world? No, I didn't think so. You'd much rather prop up the adversarial system where you're lucky enough to be near the top of tottering tree.

Yes, luck is the decisive factor here, not skill or hard work. You don't think people in Asia and Africa work hard? You don't think people in the developing world are smart and resourceful? You're wrong. You're arrogant. You're deluded.

So, why do I reject the system that I profit from? Why do I prefer to live on the street in a cardboard box? Well, it actually pains me to know that I'm part of a system that's causing so much human misery. It's actually physically and mentally damaging to me to help to perpetrate deeds that cause death and destruction. I can't bury my head in the sand like you can.

I know you'll say or do anything to defend your family. More fool you though for not keeping your cock in your trousers. There are plenty of orphans who need parents. Why the f**k didn't you adopt? Are you literally the most selfish c**t in the whole wide world? Yes, the evidence would suggest that you are. You prop up the adversarial system and you create more mouths to feed in the decadent west and do nothing to give a hand up to the already starving mouths in the developing world.

There's no pride in having made a screaming, shitting, vomiting midget. Your body is evolved to do that. You had sex because you enjoyed having sex. You had a baby because your body is programmed to make babies. You did what snakes and scorpions do. You did what sharks and wasps do. You did what spiders and mosquitos do.

If I could give you one bit of advice, it would be to have a lobotomy. Ignorance is bliss. Being stupid is brilliant. Having higher brain functions is a curse. Being conscious and able to absorb information from the world and process it using rational thoughts is a f**king nightmare.

If you're wondering why I liked living with homeless people, it's because our footprint was much smaller. We lived small. We only consumed what we needed, and nothing more. We weren't making more arrogant ignorant greedy clones of ourselves to fill the void in our meaningless lives. We were just surviving and self-medicating for the agony of the f**ked up world.

We were very cheap, in terms of our economic, social and environmental impact. When a white middle class rich person goes haywire, they normally hurt the world a great deal. That's why it's such a great shame that the west is run by such criminal psychopaths. They'll drop bombs and starve people in order to remain quaffing champagne in their palaces. I include relatively modest homes when I say 'palaces'. Yes take a look around at your home and remember that $2 a day to keep a person alive for a year is probably the price of one of your many flat screen TVs.

So am I a hypocrite? Well, calling me one from your palatial surroundings makes you a hypocrite. You can't hypocritically accuse somebody of hypocrisy. That's ridiculous. Have you been homeless? Have you lived on less than $2 a day? No, I didn't think so. Shut the hell up and go and buy your kids an iPad.

So, what's going to happen to me? Well, my current thinking is that I'm going to finish my story and then take the final exit. I can't really see any more point in existing beyond telling this story, this cautionary tale. I'm literally wasting oxygen.

I loved being homeless in Camden Town. At least it was an honest existence. At least it was true to my values (September 2014)

Tags: #homeless #suicide #frank #capitalism #drugs #depression #alcohol #london #career #banking

This is a story about the doors of perception...

So I radically altered my appearance for over a month. I went from being the suit wearing IT Consultant working on the number one project in the biggest bank in Europe (HSBC) to being the crazy suicidal mental patient guy with a moustache and a tattoo. That how I roll [on the floor laughing].

Self sabotage and self mutilation are strange things to do, but then so is suicide. They are symptoms of a very sick society. It is no measure of health to be well adjusted to a broken system. There can be no pride or honour in being able to turn a blind eye to wrongdoing.

I knew what I was doing. I could have held back. I could have buried my feelings and kept my mouth shut. I could have bitten my tongue. However, things have been eating away inside of me, like acid dissolving the container it's kept in. It was time to vent some toxic gas.

This is all a rather extreme form of bridge burning. I'm really pretty sickened by what global banking and corporate culture is doing to the world and I want to do the right thing. I want to whistleblow on all the life-wrecking and economy destroying corrupt bullshit that I have had to endure.

It's not going to do me any favours, it's not going to make me any friends, it's not going to make me rich, famous or popular, but it has to be done. Somebody has to stand up, be counted, and do the damn right thing. It's going to hurt me, a lot.

Is this some personal grievance? Well I wouldn't be so passionate if it wasn't personal, but it's not personal in the way that you probably assume that it is. I was a Griffin Saver with Midland Bank since I was a little boy, and I've always loved HSBC and I was so proud to start work for them, age 21. Later, in 2003, I was amongst the first 8,000 people to work in the prestigious 8 Canada Square... headquarters of the HSBC Group Plc, which employs 245,000 people worldwide.

If you look after me, I will look after you. Actually I tend to do things the other way around. I will look after you on the assumption that once I have proven to you - beyond all reasonable doubt - that I am adding value to your organisation, you will look after me, to some extent. Sadly, the way the system works is to try and get blood out of the proverbial stone.

Yes, the employees of global banks are driven very hard indeed, but they share so little of the reward, in terms of the wealth that they generate for their masters. The customers of global banking pay huge sums of money for financial services, but it's them who still toil all hours to service their debts, rather than being enriched by the products they are sold.

Consumers are being sold a lie. They are being told that products and services will make them happier, richer, more attractive, more successful. The truth is that the only people who will get rich are those who own and operate the pyramid schemes. There simply aren't enough pay rises and promotions for you to be able to reach the rungs on the ladder where you will be able to see your kids and sleep at night... you're going to be stuck on that treadmill for the rest of your life, sorry.

It's not market economics that is broken. The markets really are efficient. However, they are not free from political influence. They are also not immune from manipulation by exceedingly wealthy individuals and institutions. Here's how it works...

Imagine if I were to buy all the insulin producing factories. Building a factory takes quite a long time. During the time that I own and operate a monopoly on insulin production, and the time that a competitor could enter the market that I have monopolised, the demand for insulin is going to remain constant, because diabetics don't want to die. So, if I am in control of the supply, and I know that demand is constant, then I can demand practically whatever price I want. That's market economics.

We see artificial scarcity created through cartels in many industries. Diamonds are only worth as much as they are on the markets because the De Beers family has such a large monopoly that they can control the amount of diamonds supplied to the market. Oil is only worth as much as it is because the Organization of the Petroleum Exporting Countries (OPEC) can artificially control supply in order to maintain high prices. They are quite open about their monopoly, their cartel.

So you can't eat diamonds or money, but we do need energy. Money is the way that energy is swapped for goods and services, like food. It's easier to grow more food or make more goods, using energy that has been generated from a power station, rather than by manpower. Welcome to the industrial revolution.

Technology has made vast efficiency gains in terms of being able to move money around to get it to where it can work most effectively, but it doesn't mean that the system can't be gamed. In fact the whole financial system is a giant game. We need to remember that it's simply a way of keeping score and deciding who - as a person - is somehow 'worth' more than another, using some arbitrary measure.

That's right isn't it? The people in the West are 'worth' a lot more than the people in the developing world. Because they have more zeros on the end of a computer system that is keeping score, they get to have all the food, shelter, medicine, education, transport etc. and everybody else is a worthless slave. The human lives in the developing world are clearly not worth anything because their electronic bank balance is as good as zero, if not negative.

You can quite clearly see from the image above, who the superior being is. Yes, it's the one with the biggest bank balance in the global casino. They're the winner. Gold medal for them, hurrah!

Actually, huge numbers of people in the developing world have been saddled with debt that they didn't even agree to. Their nation's leaders signed away their natural resources, signed huge loan agreements to pay for some multinational to come and bleed the wealth, and then mortgaged every man, woman and child to pay for it all. That's really not acceptable.

When the people inside that country get a bit p1ssed off that their leaders have sold them down the river, then the developed nations can sell a bunch of guns, tanks, artillery and warplanes to keep their people in check. It's the gift that keeps on giving.

Oh, and when the people have really had enough, then it's time to bomb all the roads, bridges, schools, hospitals, power stations, sewerage plants, factories etc. etc. so that they have to have the developed nations come and rebuild it all again using yet more lovely lovely loans.

Yes, economic slavery is the New World Order. Yes, you might not see people in physical chains toiling in the plantations in your actual country, but somebody still has to grow your sugar, wheat, cotton, coffee etc. etc. Did you grow it yourself? Did you see where it was grown? Do you know anything about the life of the people who grew your food?

We're all rather busy in our wanky make-work jobs, feeling all high powered in a suit in a swanky glass & steel office, pressing buttons in the lift and doing the photocopying... great, but how many meals does it put on the table? Has it stopped war and human suffering? Has it stopped the spread of preventable disease? Has it saved the life of sick people?

I'm fed up of being shouted down by people with vested interests. I just wanted to do the right thing at HSBC and I got muscled out for escalating my concerns in line with my moral duty and legal responsibility to the shareholders and customers. I actually wanted to try and save jobs too.

So this is a call to action that is not some viral marketing, psychologically A-B tested, clickbait horseshit spam scam. This is not some pump and dump. This is not me grinding an axe because of a personal grievance. This is about the big picture and a sickness on all our souls, if you are part of the perpetration of the economic enslavement of the developing world.

In actual fact, the wrongdoing extends to your own doorstep. Somebody you know is in distress because of consumer lending. Their life and livelihood is under threat because they were told to borrow, borrow, borrow! Buy now, pay later! 12 months interest free credit! Low rates! Consume consume consume!

The whole ponzi scheme is set up to get people paid out by suckering other people in. Sure, my life looks fantastic with my riverside apartment, and of course I've had cars and boats and luxury holidays and hot tubs and flat screen TVs and Macbooks and iPhones and gadgets and technology galore. It doesn't make you happy, and eventually you realise the human cost. You wake up and smell the coffee.

So, as Nicholas "Mr Ethical" Wilson (@nw_nicholas) says:

I have been radicalised by HSBC/Tory fraud & corruption

Yup, I woke up one day and realised I couldn't carry on being part of something I knew was wrong, from the depths of my experience in my 19 year career as an IT consultant to global banks. It made me very sick to be living with such internal conflict. It made me upset to see talented professionals being completely ignored.

You can't buy me. You can pay for my opinion, but you don't get to choose what my opinion is. I will give you my opinion based on my experience and an objective analysis of all the evidence that I can gather. If you don't like that opinion, it's not up for debate, unless you are qualified to contest what I'm saying.

So my approach is very unorthodox, but the orthodoxy led us to the brink of economic armageddon, so why should I conduct myself in a manner which is clearly misconduct? Only an idiot expects to see different results each time they do the same thing. The only reason to play by the old rules is to protect the old system, but that system has failed.

Thankfully, there are all these motivational posters around HSBC telling you what to do if your manager isn't listening and the number one project is going down the shitter. If you're a consultant, you're specifically paid for your expert opinion... and very highly paid too. Lots and lots of shareholder money is being spent on the number one project in the biggest bank in Europe (HSBC) unsurprisingly.

So, what happens if you do speak up? Well, I'm not giving out any prizes for correct guesses.

But maybe my contribution just wasn't valued? Maybe I wasn't pulling my weight in the team? Maybe I have too much of a high opinion of my expertise?

The email from the HSBC CIO in charge of the number one project in the biggest bank in Europe reads as follows:

"I cannot thank you enough for the work you have put into this and for your commitment"

So, I'm a little bit confused. The Programme Director also told me, in front of loads of people, that he was really happy with my work... shortly before I was sacked. Curious, oh so very curious.

Anyway, I've got no mandate, no authority to communicate these things, so I'm just going to wait and see what happens. Let's see what happens with the Deferred Prosecution Agreement (DPA) and whether the US Department of Justice is satisfied with the naughty banks who have managed to allegedly commit crimes but not been prosecuted for them.

Good luck, I say to them. Like I say, I've been a Griffin Saver with Midland Bank/HSBC since I was a little boy. I'm very loyal.

Merry Christmas!

Tags: #banking #career #london #it #capitalism #politics #hsbc

This is a story about being an activist...

The streets of London are home to a huge population of runaways, refugees and other homeless people who have been marginalised by society. We tend to ignore them and their struggles. There are so many, we can't help them all, right?

I'm not OK with people freezing to death on the streets, right under the noses of the wealthy. I'm not OK with just walking past human suffering on a daily basis, on the commute to the office. There are people huddling in shop doorways for a little shelter from the elements. It's brutal out there, and things are getting worse.

There are no words to describe just how cold it is, sleeping rough. I have slept on a glacier. Millions of tonnes of creaking ice. That's cold, even with a decent sleeping bag, sleeping mat, and a tent. Sleeping out on the streets is just as tough - most homeless people don't have equipment that cost hundreds of pounds. The most vulnerable people in our society don't even have enough money for food, clothes and other basics that they depend upon.

Normally charities will expect you to reach for your wallet. Normally charities will expect you to donate money. The whole fundraise & spend model of charity has failed, sadly. People and corporations are just not giving enough. People and corporations are treating charitable giving as a way to absolve themselves of personal responsibility for the wrongdoing in a society that they belong to.

Let's start with some empathy, instead.

If you haven't roughed it ever in your life, or it's been a very long time since you were truly soaked to the skin, freezing cold, shivering, and with chattering teeth... then you have lost touch with what some of your fellow human beings are going through. There are people freezing to death, here, in a supposedly civilised advanced Western econonmy. I'm not OK with that.

Please, try and make it to West India Quay with some warm clothes and a good sleeping bag, and sleep out with us. 7pm to 7am on Thursday 12th November 2015. It's incredible that this can take place when Canary Wharf Estate don't really want a whole tent army right under the noses of rich bankers!

The Centrepoint charity has worked incredibly hard to make this possible, and only by agreeing to do things in the most unbelievably controlled way. There is private security for the event, as well as Canary Wharf's own private security force, making sure that the wrong sort of people are not protesting about the abhorrent situation of young people being left freezing to death on the streets of London.

Sadly, in the 3 years that this event has been happening in Canary Wharf, my ex-employer JPMorgan Chase & Co has donated a paltry £70,000. That's a disgustingly small amount of money considering how this bank has wrecked lives. One of my colleagues was driven to #suicide by the insanity of what Global Banking is doing to the world.

I absolutely do not want to see this event lose credibility, so please sign up for an official ticket and donate whatever you can afford: https://www.centrepoint.org.uk/news-events/events/sleep-out/west-india-quay

Whatever happens, please please please tell everyone you know about the plight of the homeless and support this event.

7pm to 7am, Thursday 12th November, 2015.

So, last week, I was working for HSBC on their number one project. The biggest bank in Europe at the moment is HSBC. They just declared quarterly profits have risen 33% to $6bn. That's a substantial amount of cash that they have extracted from the world's pockets!

So, how much do HSBC care about the homeless? Well they employed a homeless person (me) but their due diligence should have prevented me from getting that job and working my way out of poverty and debt. I should have been trapped into living on the streets.

We can't have the wrong sort of people getting ahead in life, can we? It's all about the rich getting richer, at the expense of the destruction of society by people who already have more than they need.

I made sure I got this email from the HSBC Group so that nobody is going to get sued! Hurrah!

I've got a bunch of other emails that prove that Corporate and Social Responsibility is a joke. These companies pay a pittance in order to try and cover up wrongdoing on an unimaginable scale. The institutional corruption is disgusting.

I'm being warned by journalist friends to flee for my life for whistleblowing. You'll be able to find me... sleeping rough somewhere in London. If the Safer Streets teams can't find people, then good luck to the banks with their teams of lawyers out to gag me!

Come and sleep rough with us!

That is all.

 Tags: #homeless #frankie #london #banking #capitalism #notanonymous

This is a story about goodbyes...

Oh, Megabank Plc. I would go to the ends of the Earth for you. Shame the feeling wasn't mutual and you grew tired of my unique style. Oh well. Best of luck with the #1 project and looking after your 213,000 shareholders in 131 countries, 48 million customers and 245,000 employees in 72 countries.

Here is a picture of a random homeless guy.

Tags: #banking #career #homeless #london #frankie #capitalism #notanonymous

This is a story about turning a blind eye...

I have a moral dilemma. Do I whistle blow or go public with the things I know, tomorrow, when I lose my contract at HSBC.

How do I know I'm going to lose my contract? Well, I've rattled the cage pretty hard. The problem is that I care more about the shareholders, customers and employees, plus the stability of the global financial system, than I do about some idiots playing silly political games.

Fundamentally, I do believe that markets are efficient if they are free from political influence. Also, markets only really work if there is free trade and a single currency. Trade tarriffs, sanctions and so-called 'hard' currencies are the new way that wars are waged and nations enslaved, and I'm not OK with that.

It's pretty clear that a crash is inevitable now, but I don't want to see the baby thrown out with the bath water. The laws, financial instruments, systems and infrastructure that allow capital to flow, should not be swept away.

Anti-capitalism is wrong. It's the perversion of capitalism by 'rigging the system' like Bretton Woods, that is wrong. It's the insanity of having financial instruments that are not underwritten with collatteral, like Credit Default Swaps, that is wrong. It's the institutional investors who buy every company of a certain market cap, thus creating a market for junk stock, provided its valuation can be pumped up unrealistically with ridiculous Profit:Equity (P:E) ratios (a.k.a Price:Earnings).

If we expel the money lenders from their temples, we only set back our civilisation. There will be chaos and greater inequality as a result. Just look at how the oligarchs monopolised everything after the fall of the USSR.

I'm really cut up right now by the strong desire to do the right thing, and I know that it will probably hurt me most of all. However, I'm not out to hurt anybody. I just couldn't live with myself knowing I stood by and didn't do anything when evil deeds are afoot.

Even if they're not totally evil deeds. People are still sleepwalking right into another major crisis. This one doesn't even seem to have an elegant central system designed to help things unwind with at least a little preplanning. It's all about that lack of joined-up-thinking that will cause an unpredictable domino-effect.

So, wish me luck in the morning.

I wish I was a cat and I didn't know any better. Ignorance is bliss (October 2014)

Tags: #banking #career #london #frankie #politics #capitalism #hsbc

This is a story about thought experiments...

I had 50 minutes to draw something while in hospital. I drew this. I have been thinking about it since I lay dying on the floor, unable to move a muscle except my eyes, diaphragm and heart. My urine was like orange juice and full of blood.

I considered that dying would be a regretful waste, because I wouldn't be able to tell anybody what it was like to die. I decided that if I discovered I was immortal, it could corrupt my morality and I would eventually use that knowledge to my sole advantage. I also considered how embarassed I would be to 'meet my maker' in the full realisation that I p1ssed away my chance to learn anything from the situation.

Bizarrely, I then conceived a thought experiment, as I lay on the floor. This addresses The Measurement Problem in Quantum Physics. The problem is this: how do you separate the experiment from the scientist who is conducting the experiment? By taking a measurement you are actually part of the experiment. We see this in every experiment that attempts to measure Quantum weirdness.

Then, seemingly 'miraculously' enough of my muscle was broken down by my body so that I had enough energy to get up and phone for help. I wasn't out of the woods though. I nearly lost my kidneys. There was a lot of muscle damage too. So, just biology, and not really a miracle. I'm not a God bod now... although I did become agnostic at this point.

My thought experiment is a variation of Schrödinger's Cat, where two brave (or suicidal) scientists willingly enter a soundproof box, with a soundproof wall separating them. They then have to press a timing device for each other that must be pressed once every 2 minutes or else the timer will reach zero, and a captive bolt will pneumatically be driven into the brain of the other scientist. Given that there is a co-dependence on each other, if one scientist dies, so will the other.

As an additional twist, if the two scientists press their buttons at the same time, within n milliseconds of each other, then they are both killed by the captive bolts.

We can then start to tweak the parameters of the experiment so that we dial in a known probability of our scientists being killed. With 120 seconds of possible button push time, and 1,000 milliseconds in a second, we might hypothesise that there is a 1 in 120,000 chance (0.0008%) of both buttons being pushed within the same millisecond, which will trigger the event that leaves our scientists dead.

So, what if our suicidal scientists press the button 60,000 times? Well, then the probability that the 2 scientists will be dead when we open the box is 50/50 . This is equivalent to Schrödinger's Cat, except that 2 scientists are both alive and dead, rather than 1 cat that is both alive and dead, until we open the box.

So, what if our suicidal scientists press the button 120,000 times? Well then the probabilistic prediction is that there is a 99% chance that the co-incidence would have occurred. We would be very surprised to open the box and find two living scientists. However, there is still a possibility that - no matter how slim the chance - they could have played Russian Roulette with a 100 bullet revolver loaded with 99 bullets, and somehow managed to fire the empty chamber.

So, what if the scientists playing the game keep playing and playing and playing and playing. What if they eventually grow tired, having run many millions, billions, trillions, quadrillions of iterations, and they are still alive and button pushing? What if they decide to rip off the equipment and step outside the box? What would they know?

They would know that Quantum Theory's prediciton of immortality is very likely to be correct (Many Minds interpretation) and also know that this can be communicated beyond a single conscious surviving mind.

I know that this is very messed up. Similar thoughts troubled another JPMorgan IT bod to the point where he took his own life.

However, we can't ignore the predictions of a fundamental theory that seems to be borne out by the experiments that we can conduct ethically. But why are we asking intelligent people to do stupid jobs? Is that ethical?

I have always had a passion and aptitude for science and art, but we are all in a debt trap. Without the brain draining work of Global Banking IT, I could never be debt free. My myopic ex-wife got greedy. She now has a paltry amount of rapidly devaluing fiat currency, rather than a tangible freehold property asset.

This is the kind startup I really want to be working on.

I started building this but my divorce nearly destroyed me (October 2013)

Tags: #physics #depression #suicide #mentalhealth #NHS #startup #career #divorce #banking #capitalism

This is a story of "greedy, lazy, incompetant people who got found out"...

Justice is a funny thing. So is Karma. Things will always catch up with you. "My name is Earl. I'm just trying to be a better person".

I might not particularly agree with the Patriot Act, but I agree with the punchy tagline that was used to sell a lie to the American people, who were still scared and reeling from the biggest terrorist attack on home soil: nothing to hide; nothing to fear

However, I have a job which I need to pay my rent, but someone who isn't me (Earl) was working with a colleague who had his/her contract terminated today. Here are some more words I heard from Earl:

"I had asked to be moved from one scrum team to another due to a difference in style and approach from the way I like to do things, which has always been quite successful for me. However, it's not in my remit to tell other people how to do their job, so I asked if I could work with the a person who seemed to be doing things more in line with my expectations.

There then followed a blissful two days of productivity. The business seemed happy. The product owner/CIO seemed happy. Us developers were overjoyed and we were high-fiving and walking around the office with big grins.

We decided to go out for lunch as a well bonded happy team, at the suggestion of our scrum master. But he/she never showed up. As we sat there at lunch, we all agreed what a great guy/girl he/she was, and that we wanted to support him/her from the inevevitable management pressure that was going to fall on his/her shoulders.

We were surprised that our colleague didn't join us for lunch, especially as it was his/her idea. We had left a note and tried phoning him/her.

Over lunch we discussed how 'damagement' (management) were not really interested in knowing the truth, and in fact didn't want to know it, as it would undermine plausible deniability.

I observed that a couple of people had been asked if they would like to consider other opportunities in light of the increasing and relentless pressure. I wondered whether I might have been guilty myself of precipitating one of the scrum masters' untimely departure. It was almost an open secret that I thought he/she was a micro-managing waste of space.

I had actually been one of the people who was asked to consider other opportunities. I nearly laughed in the face of the person asking me. The irony of it was beyond belief, given this person's dependence on me during the previous weeks. I stood my ground and asked him/her to resign instead.

This kind of brinksmanship must be going on all the time between these equally incompetant fools. Knowing that I was competant, it was not brinksmanship for me. Instead I felt confident that the project and the client needed me more than I needed the contract.

You can't bluff a poker player who is holding the nuts - the very best possible hand available from the cards that have been dealt. It's a simple matter of memorising the odds for all the possible hands, and then your play becomes automatic: you know almost immediately when you should fold.

When we got back from lunch, I went for a pooh. I sat on the toilet, looking at Facebook and taking my time. I was relaxed and enjoying my job again, for the first time in ages, after having been empowered to do my job and make things better.

I came back to my desk, and my team told me he/she was gone. Immediate effect. They had got rid of him/her while we were all at lunch, with that empty chair at the dining table.

We speculated during the afternoon that the reason for termination was a lack of fear. Our departed colleague was rumoured to have no mortgage. He/she was too honest. Too fearless. He/she wanted to do the right thing.

I liked him/her, even though many people didn't, seemingly for intangible reasons, unrelated to whether they could do their job well or not. His/her face didn't fit it seems."

Anyway, I'm not really able or willing to comment, given my position on a sensitive, high-profile project that I can't talk about, and would never talk about, given my professional duty to my client. I will say this though, of the attitude of me and my colleagues. We care very deeply about the needs of our client and customers, and we always put those needs first, often ahead of our families, our health. We are passionate and dedicated, and excel at our jobs, under the most intense pressure and stress.

We are all trying to be the very best we can possibly be. We need to be. The bank is "rotten as shit" as the Department of Justice will attest. $1.9bn fines don't get dished out every day. We are turning it around though. I really like the CIO. I really like my team. I really like my job. I really like trying to save hundreds of thousands of jobs. We don't get to do that in IT very often.

[Picture has been removed by IT Security]

Me in the office, wearing a rugby shirt, looking like I'm having a 'good time' despite having worked far too many 7-day weeks (September 2015)

Tags: #banking #career #london #leadership #agile #scrum #capitalism

This is a story of a ragged trousered philanthropist...

For those who are unfamiliar with Robert Tressell's posthumously published book, it's a story about craftsmen - people with skill and dedication to their trade - who are so passionate about their work, that they virtually work for free.

Are their masters grateful, for the passion and diligence of their employees? No, they just try and exploit them further, asking them to work longer hours and never sharing the wealth that their workforce has generated.

So who is at fault? Well, I think this is a symbiotic relationship, and not master-slave as we would be led to believe by Tressell's rather bitter and overly satirical work of literature. You can't put a price on job satisfaction. As a craftsman, if you have enough money for rent and food, you are generally looking for job satisfaction before extra 000's on your paycheck.

However, what ends up happening is that while fiat currency wealth piles up in the bank accounts of the Industrialists and Capitalists, the real store of wealth is in the brains and muscle memory of the people who built the empire. For every bead of sweat, drop of blood, salty tear that is shed, there is intangible value that becomes locked into that person's experience bank.

The software engineers who built the banking system ARE the banking system, and its store of wealth, especially after Bretton Woods and the abolishment of the gold standard. Before these capital controls were relinquished, the store of wealth was the toil of miners, who had extracted an extremely rare heavy element, created in the supernovae of dying stars, from dark holes in the ground that they had dug, mostly by hand.

Now that I can create money at the stroke of a key, it is unsurprising that it has lost its intrinsic value. Douglas Adams joked about a society of estate agents, whose currency was leaves from trees. Unsurprisingly, this not-so-fictional society had terrible problems with inflation during autumn.

So, we are standing at a crossroads in global banking. We have insisted that our investment banks and insurance companies actually have sufficient collatteral to underwrite the Credit Default Swaps and other securities that they had been busy printing, which reached an aggregate notional value of nearly $60 trillion (i.e. approximately $10,000 for every man woman and child on the planet) despite this figure completely dwarfing the entire value of every company in the world, all the precious metals, all the fiat currency and all the houses and other buildings and land (plus any and all other securities - loans, bonds etc. - you might care to chuck in the bucket).

So that was clearly a ridiculous situation, and as soon as the DTCC had been built and the major counterparties were in the system, the Credit Crunch was allowed to happen so the rich could stay nice and rich. Do you see a poor banker? No.

However, investment banking is just nonsense. The purpose of our banking system should be to grease the wheels of commerce. The most enterprising businessmen, and the most rapidly expanding and profitable companies can grow faster if they are given the capital they need, rather than having to do everything organically... so goes the theory.

What we see instead, is banks lining their pockets at the expense of every man, woman and child on the planet. George Soros famously forced the UK out of the ERM by getting leverage from an investment bank, in order to place massive bets against the Treasury. He is rich, and evey citizen of the UK was commensurately poorer after Black Wednesday. In what version of reality is capitalism working for the greater good of society?

I shan't get into the stride of my tirade, talking about the American dream (which is to be crippled by medical care bills to satisfy the healthcare industry's financial interests) and other bugbears, but I would say that people have been well and truly shafted by bankers and politicians.

There is a silver lining:

If you ask a philanthropist to build you a bank, the wealth can finally flow back to the people (September 2015)

Tags: #banking #career #london #capitalism #computing #apple

This is a story of exploration, at the ragged limit of control...

Promises are easily made, but you have to make good on those promises if you really meant what you said. When I found myself without any money or support to build the startup that would set my conscience straight, for my involvement in the Credit Crunch, and help me back to health & wealth after separation from my wife, I had to think creatively.

I sank every penny I had, plus everything I could borrow from the banks and other commercial lenders (which was a lot... I am extremely creditworthy) into Bitcoin, in August 2013. This turned out to be a rather shrewd investment. Only one friend, Cameron, was wise enough to back me, and I think the return on his capital is likely to have exceeded a lifetime of Governement-backed tax free saving.

Another friend, Will, decided to copy my investment strategy, and had me to manage the purchase and sale of his Bitcoin Miner to maximise his profit. However, he decided to hold and try to run his profits on his Bitcoins, when I was cashing out in December 2013. The losses he sustained from that mark-to-market point, have been pretty eye-watering. Oh well; he's still suckling at the teet of Investment Banking, so he doesn't need the money.

Selling my house, dividing up all my posessions and trying to move what I could to London, as well as divorce paperwork and general breakup unpleasantness, plus having to risk everything just to keep my hopes & dreams alive, was the very last distraction I needed. Doing a startup is hard at the best of times. Moving is stressful. Leaving everything you've built and worked for is heart-wrenching. Doing it when you are unwell... it's enough to finish a person off.

And so, in the first half of 2014 I had to invest in myself. All my profit was re-invested in my health. I parked my dreams of building a social enterprise - a not-for-profit built to salve an aching conscience - built with knowledge gleaned from my obscenely rich masters.

Exactly how rich did I make my masters? Well, software I designed and delivered was responsible for the confirmation of $1,160,000,000,000,000 in Credit Default Swaps contracts in 2008. That's $165,714 for every man, woman and child on the planet. That's f**ked up.

A guy I worked with resigned in moral protest... but he was really just looking after himself: he bought gold at $550 a troy Oz and a chicken farm in New Zealand. I was disturbed by what we were doing, but I'm just a frustrated coder... I knew I could deliver the project for the bank... I didn't know how to say "no".

Scarcity, collatteral, securitisation: the basis for the non-insane version of capitalism (September 2013)

Tags: #startup #career #banking #capitalism #computing #divorce #friends