This is a story about clock watching...

In 3 weeks' time I celebrate a year of blogging [almost] every day as well as 6 months 'clean' (whatever that means). I'll have pretty much proven my point that stress, anxiety, depression, hypomania, addiction, homelessness, destitution, social isolation and every other ailment that threatens every single one of us, can be swept under the carpet.

My life is hideously painful: basically, Fuck My Life.

Nothing has any purpose or any meaning. To volunteer at a soup kitchen makes a mockery of everything, if the vital exercise of feeding the homeless is seen as a fucking hobby. To spawn children because it's fulfilling to nurture things, is to ignore the fact that there are already plenty of hungry mouths, the planet is fucked and existence is pain and suffering.

I'm going to continue until the 21st of September, keeping everything the same, in the hope that my depression will somehow lift. I doubt that my mood will improve without medication, or impoverishing myself by setting myself on collision course with destitution and homelessness again. Who wants to be functional in a dysfunctional society?

On the 21st of September, I have to make a choice: whether to continue for another couple of months, to possibly reach financial security and wealth again. Would loosening of the purse strings and retail therapy make life more palatable? It's distasteful to say that money brings happiness, but it's obvious that lack of money brings stress and anxiety.

Through comfort eating and alcohol, I'm limping along. My waistline is suffering and I'm getting quite depressed about my physique too. It's a vicious cycle, because depression is one of the reasons why I feel so drained and unable to stay active. You might think that a boring day at work should leave plenty of energy to do other things, but in fact quite the opposite is true: it's so draining being bored all day.

It doesn't make any sense that I'm so exhausted and depressed. I do all the right things: good sleep hygiene, good diet, good routine. I do a lot of walking, some cycling. I occasionally see friends or have a little more interaction with my work colleagues than the bare minimum. I'm working my job, saving my money, paying down my debts. I'm a model fucking citizen.

Yes, a lot of people find their lives mundane and boring, but if those people are as desperately suicidal as I am, then society is about to collapse at any moment, because I'm always just on the brink of either drawing the curtains and going to bed for 2 months, killing myself or running away, where nobody can send me a fucking bill or harass me on the telephone. If there are vast swathes of people who think like that, because they have a modest dislike of the rat race, society is utterly fucked and why the hell aren't they speaking up?

I had no choice but to speak up. I could have died in silence, misunderstood, and with people keen to mis-label me. At least by recording my thoughts and feelings in great detail, I have a fighting chance of dealing with hateful people who would wish me buried as a madman and an addict, even though I can clearly be neither if I'm holding down a highly desirable job, paying my rent, paying my bills. Can't anybody see that the attempts to pigeon hole people are ridiculous, insulting and desecrate the memory of those who can't stand the bullshit any longer?

I steer clear of talking about conspiracies, because that's the hallmark of somebody who has succumbed to paranoia. When a mind implodes, the vultures of organised religion swoop on the poor fool, and fill their head with all kinds of falsehoods about deities and miracles. Sometimes, when a person's grip on reality is loosened by the relentless hardships of life, they will start believing that the universe is conspiring against them. Even though we are ruled by cruel and evil plutocrats with insatiable greed, no conspiracy could really work successfully to control 7 billion people.

Instead, we are collectively the architects of our own demise. Every time we say "I was just following orders", "I was just doing what I was told" and "I was just doing what everybody else was doing" we illustrate the fact that we hide behind pathetic excuses for behaviour that is to the detriment of the greater good. In the relentless pursuit of the impossible dream that we might one day be elevated from struggle and poverty, we actually collectively enslave each other.

My aim is to play by the rules, so that I can die with integrity. I aim to cut away from the mainstream as soon as I have reached the point of break-even. To become fixated with the unattainable goal of 'getting ahead' is to make myself a lifelong slave. Who gives a shit if I can retire fabulously wealthy, if I gave away my youth and my health so cheaply?

And so, I watch the clock tick down. I'm just killing time. All I'm doing is waiting. Waiting for the day that I can show that my point is proven: yes, it's possible to look like a fine upstanding member of the community, wearing my smart suit and going to work in a fancy office. It's possible to be valued immensely by the capitalist system, and very well remunerated. It's possible to do without drugs & alcohol. It's possible to do without doctors, medications and psychotherapists. Then, with everything we supposedly hold dear in life, I reject it all because I think it's morally wrong to prop up a corrupt system that enslaves so many.

The end of the collective insanity can only come to an end, when individuals are brave enough to vote with their feet and risk their lives and their livelihoods.

So many poor fools are buying lottery tickets and working dead-end careers hoping for a promotion that will elevate them from a position of financial insecurity, into a tolerable situation. This mistaken belief that there's some pot of gold at the end of the rainbow is akin to the donkey that keeps trudging along to try and get the carrot that's suspended just out of reach... always just out of reach.

You've got to pay to play, and you have to run just to stand still. Even the homeless are criminalised. Anybody who doesn't conform is bullied and tortured. You're damned if you do and you're damned if you don't.

At some point, it's time to give up.

Tags: #writing #suicide #depression

This is a story about revolting peasants...

The problem with a race to the bottom is that once taken to its ultimate conclusion, mass extinction or war, revolution & regression are the only options.

As a technologist it seems like the huge cash mountains, built up by the dominant players in the information age, might lead to innovations that could solve some of the crises facing humanity.

If you think that Elon Musk and his Gigafactory producing staggering amounts of lithium batteries is the answer, you haven't looked at the fundamentals. Batteries are about energy storage, and energy still has to be generated somehow. Lithium is a metal, and all metals have to be mined. All that production capacity for batteries drives the price much lower, while the countries who have the mineral reserves can price gouge for their scarce resources.

Let's imagine that the gulf states move from oil to solar, because they're hot desert countries with very little cloud cover. Let's imagine that China produces all those solar panels, and also fulfils its ambitions to become one of the world's top lithium exporters, to rival Chile, who are currently number one.

Wealth is going to continue to flow to the gulf states, because we're still wedded to petroleum products. Nobody has yet come up with a realistic way of moving huge container ships, aeroplanes, freight trains and heavy goods vehicles, without fuel oil, kerosene and diesel. Most industrial plant used in mining runs on diesel. Crude oil is still the grease on the wheels of industry.

Automotive transport is a disproportionately high energy user in the USA because it's a wealthy country where almost every household has a car. In China, only 13% of the population have a car. Electric self-driving cars might be a big deal in the land of the free, but the 320 million people in the USA just can't compare to China's 1,360 million.

The bulk of what's going on in the tech world at the moment is silly toys for silly boys. Yes, the achievements of the SpaceX project are incredible. Yes, electric vehicles appear to go some way towards addressing climate change. However, it's an absolute piss in the ocean for most people on the planet.

I'm not even that worried about the rise of the robots, and automation. The main problem we've got is the social disruption. For sure, things like Uber seem to deliver a great advancement for people who are already wealthy. As a rich city dweller, being able to have a "private driver" (to borrow from Uber's tagline) feels like the promised future has arrived. In fact, what's happening is that a load of cab drivers who invested a lot in their local 'knowledge' and fleet of vehicles are now on the scrap heap. Uber attracts immigrants who can raise the money to buy a Toyota Prius, and are prepared to accept appalling working conditions.

For every person's livelihood robbed by technological 'advancement', a whole family is put into an economically precarious position. What are all London's black cab drivers going to do, with their investment in their vehicles and the approximately 3 years it took them to memorise 125,000 points of interest?

It seems logical and rational that people should adapt to change as quickly as they can, because hesitation will only leave them further behind. However, people don't tend to like it very much when the rug is pulled out from under their feet. People tend to dig their heels in, complain and protest, when their comfort zone is threatened.

From weaving looms to agricultural mechanisation, the peasants have been deeply unhappy with technological advancements. For hundreds of years, people have wrung their hands about the proletariat being left idle, while the machines till the fields and make our clothes. Clearly, the workforce has adapted. New types of jobs have been created. We have seen the rise and rise of the service sector, and entertainment.

You would have thought that people would be happy. We have low mortality rates, and we no longer have to work in the blazing heat and pouring rain, out in the fields, or in the choking smog of the industrial towns. We sit in our air-conditioned offices, moving a mouse around and tapping on a keyboard. These should be halcyon days.

However, we have failed to stem the flow of information and imagery of the excesses of the wealthiest 1% flaunting their money on the world stage.

We can't help but compare ourselves with others, and most of our media is obsessed with the super-rich. The idea of a jet-set lifestyle, with limousine transport is part of what makes Uber so successful. We have been promised a better life for so long, but yet we are stuck with the drudgery of menial jobs. Suddenly we too can be chauffeur driven around. However, we forget that we are living in a tiny bubble.

The very vast majority are still living absolutely shit lives of grinding poverty. While wage increases at the bottom of the food chain look very good in percentage terms, they really don't measure up to the increased expectations of those people who are being paid marginally more. Also, there is little data to suggest that increasing somebody's salary from $1 a day to $2 a day is transformative to their quality of life.

Nearly 50% of the world's population uses the Internet, and so implicitly, those people expect to soon have a helicopter, a superyacht, a private jet and an idyllic desert island. These are the images that we see every day. This is what we're promised. I can follow Kim Kardashian on Instagram, just like I can follow my mate Fred Bloggs from down the road. It takes one swipe of my finger on my smartphone to compare myself with the top 0.1% of the population, just the same as it does to compare myself with the 99.9%.

I'm not given to comparing myself with the billions of other Internet users. Looking at Twitter is depressing. Guess what? Everybody's got a mum. Everybody's got cats & babies. Everybody's got the same worries about money, relationships and how attractive their body is. Everybody blogs. Everybody photographs. We're all just so much meat in the mincer.

There is a bit of us that needs to feel special and unique and different. "Big data" doesn't care that you're special, unique and different. Technology says that you're just one of billions of users. You're just one pair of eyeballs in a sea of marketing opportunities. Tech is a numbers game. You're a statistically negligible number.

As our communities have collapsed, and we have been driven into increasingly desperate lonely isolated lives, where our only connection with the world is through social networking, the war on our workplace rages on. The same technology that knows if you're engaging with advertising can be used to make sure that we're paying attention while we're working our jobs. Eye-tracking technology could easily be used to deduct money from your wages every time you stare out of the window, instead of focussing on your spreadsheets and email.

Technology is developing very fast, and the hype suggests that exponential growth is delivering all the things that we've been imagining for hundreds of years.

The truth, however, is that somebody still has to mine your lithium, install your solar panels, and actually permit the switch to be thrown to enable our robotic overlords.

What we're going to find is that even though the geeks might be right, people still don't like to end up standing around with their dick in their hands, looking like a total idiot. The message from the technologists seems to be "this is better, so you'd better get on with accepting the future" and "evolve or die".

It's been very frustrating as a technologist to be held back by dinosaurs who just don't 'get it'. It's been very frustrating to work with organisations that are extremely resistant to change. A lot of people who I meet in my job have 99 reasons why something won't work, and will be deliberately obstructive. In order to get anything done, I've had to become extremely resourceful about going round people who just want to protect their jobs.

There are more people than you think who are having a shitty time. There are all those people who society has been happy to leave festering in the "economically inactive" bucket. There are the vast majority, who are seen as a commodity pool, to be given zero hours contract McJobs on minimum wage. There are the jaded, disillusioned, demotivated and demoralised people who are educated and intelligent enough to see that the system's pretty crooked - the rich are getting richer and the poor are getting poorer - who are also bored zombies in their horrible office jobs.

The thumb screws are getting tightened on the working class, with austerity, benefit cuts, job insecurity, pay cuts in real terms, ever-increasing cost of living (i.e. food, housing, energy, transport) and every other thing that creates a death by a thousand cuts.

And why are the ordinary people suffering this low growth, high stress environment? So that we can have bank bailouts, corporate welfare and tax breaks for millionaires.

Yes, us technologists can imagine a utopian society of endless leisure time, self-driving electric cars and android servants, but we are very unlikely to get there while the bankers, oligarchs and politicians are attempting to feather their already plump nests.

Already, we see anger directed at gentrification. How long before the peasants march to Palo Alto with their pitchforks and burning torches, in order to lop off the heads of the plutocrats who say "let them eat Facebook likes"?

Tags: #computing #socialmedia

This is a story about how to fuck up a kid...

I love the symbolism of this image. What it means to me is this: we have to jump through hoops, like some kind of trained circus animal.

What made you decide that you could give your kids a brilliant life? What made you decide that creating new life on an overcrowded planet was a great idea?

Was it the fact that climate change is an undisputed problem, and your children will inherit a drowning world?

Was it the fact that neoliberal capitalism has given us a cruel ruling elite who have enslaved most of humanity in menial jobs, and left the rest to starve?

Was it that a small handful of oligarchs, monarchs and plutocrats control all the world's wealth, and the chances of being elevated from poverty are the same as being hit by an asteroid, twice, on the way to collect your lottery winnings?

Was it that the social structure of the tribe, the clan and the extended family has now all-but ended, as we are forced to roam the entire planet in search of a golden opportunity that does not exist, and we are forced to content ourselves with social media, text message and video-chat interactions, that are in place of actual face-to-face human relationships with our nearest and dearest?

It won't be long before our babies are whisked away from us at birth, and we can do nothing but follow their progress on a Twitter page, as they forge their way through an educational system designed to produce compliant drones, who have no hope but to join the enslaved masses in some soul-crushingly dreadful job. And the reason why we never get to see our children? So we can continue to pursue our unfulfilling jobs for as many hours as we can possibly work before collapsing with exhaustion.

I have this little fantasy about being a dad. In my fantasy, me and some imagined partner are woken up early in the morning by our two children. One child is a toddler, and the other is slightly older but still a preschooler. The kids clamber into bed and we all spend the morning watching cartoons together. Then we all get up and dressed and eat pancakes together around the kitchen table.

Then, I also have this imagined version of reality.

I wake up before the kids, get showered and dressed although I'm desperately tired. I then have a stressful commute through traffic and endless crowds of people. I arrive at a job that I hate, because it's boring and stressful, underpaid and my bosses have nothing but contempt for me and the capitalist scum who run all the corporations have no gratitude or respect for the workers who toil to line their pockets. I get to look at a photograph of my children on my desk, but this is merely a form of emotional bribery. Without the picture of my kids on my desk, I would question what the hell I was even doing, and just quit the awful job.

In my imagined version of reality, I work extra late to try and impress the bosses and get a precious promotion that may allow the basic essentials of life to be bought without constant financial struggle to make ends meet. Every time the car breaks down or some home improvements are needed, it always costs more than any savings that have been put away as contingency for these eventualities. A debt spiral has been happening because of having to use short-term borrowing to simply meet the cost of living. Then more debt was incurred servicing the first debt. This wasn't money that was spent on frivolities, but on such things as fixing broken plumbing and essential child-rearing equipment like cribs and pushchairs.

My imagination tells me that, in reality, I would then struggle home late through yet another stressful commute, only to find that the kids are already in bed. My partner is exhausted from the demands of working a part time job that brings in marginally more money than the cost of the childcare that we must pay for so that she can have her very badly paid job. Juggling work and childcare arrangements, she must travel twice as far as a normal commute, in order to pick up and drop off the kids at their daycare facilities. The household budget is super tight, and extremely diligent use of discount coupons, shopper loyalty schemes and knowing the cheapest supermarket to obtain our groceries for each product, is the only way that a few extra pounds can be found to balance the books.

Exhausted and stressed - in this imaginary reality - we collapse into bed. The pressure that me and my imaginary partner are under means that we are arguing all the time, so we aren't having sex or any kind of physical intimacy anymore. We are just two exhausted scared and anxious people, trying to survive and hide the desperation of the situation from the children.

The children - I imagine - are browbeaten into believing that they have one shot at getting good school grades and not fucking up their lives. Me and my imaginary partner tell our kids how important it is that they study hard and try their best, so that they can go to university and get a great job. We repeatedly tell our kids that life is a struggle, and the world is a mean place, and that they should stop laughing and playing, and knuckle down and do some damn homework.

Grow up! Concentrate! This is important! Pay attention! You have no idea what the real world's like! We rebuke our little kids. We are desperately anxious that our children should not suffer the same fate that we endure. Endless arguments over schoolwork and bad grades. Endless stress about whether or not our kids are thriving in the rigid educational system. Every bit of spare time we have goes into educational activities. We can't just make a fort out of cushions... we have to turn it into a history lesson, or a lesson about the physics of why buildings don't fall down. Everything is twisted into an opportunity to try and cram a bit more knowledge into our little kids' craniums.

Your kid drives themselves nuts with the pressure and expectation placed upon them. Kids are sensitive to their parents anxiety. Kids are like sponges, and they're getting the message loud & clear about how important it is that they apply themselves and try their hardest. Some kids will respond, and will allow themselves to have their personality dissected, sifted and sorted. Some kids will quietly allow themselves to be judged and graded by complete strangers who couldn't give two fucks about who they are as an individual.

Then, finally, it's time for the big wide world that we've promised our children is the whole reason why they can't have a childhood. The whole reason why we didn't let our kids play in the dirt, or spend time with their friends, was so that they could have their noses in books, writing essays or taking mock examinations. Now, it's time for your kids to spread their wings and be whatever they want to be.

Use your imagination! Follow your dreams! Find your passion! We tell our precious children.

What we really mean is: go get a sensible job for a reputable corporation, shovelling shit for the capitalists.

Childhood was jettisoned in favour of academic achievements. We told our kids they couldn't be friends with some of the other children, because they were too stupid and a bad influence. We told our kids they couldn't laugh, play and have the simple joys of their childhood, because there was too much at stake. Our kids' precious future was on the line. It was life or death.

And now, your kids have the same shitty job that doesn't pay the bills and is inadequate to support a family. Your kids busted their balls to get their grades, go to university, follow their dreams. Guess what? There aren't any jobs for historians or philosophers. There aren't any jobs where you need to speak dead languages like Latin or Ancient Greek. There aren't any jobs for artists.

Your kids are going to have to get a job keeping score for the capitalists, while they wait for the planet to become totally uninhabitable. It's a football game with 21 referees and 2 goalkeepers. It's a rowing race with 20 coxswains and 2 rowers. Over 80% of the 'economy' is made up by service sector bullshit.

This is it? This is what you you wanted to give your kids? This is the life that you thought your children would be so happy to live? Did you think about this stuff? You did think about this stuff, didn't you? No? Why didn't you think about this stuff?

"Everything will be alright in the end"

No. It probably won't be.

Things probably won't be alright in the end, because everybody has that attitude. Through collective wilful stupidity, and a desire to ignore the evidence in front of our eyes, we spawn yet more children in the hope that one of the little fuckers is smart enough to solve the world's problems. It's like setting alight to the basement of your house, in the hope that it will put out a fire in the roof.

Don't get me wrong; I love kids. I think kids are cute and I love the way that they make me feel happy when I look after them. I definitely feel very fulfilled as an animal, when I'm playing make-believe daddy, and imagining that I might have kids of my own. There's definitely something biologically right about reproducing one's genes. However, ethically it would seem to be the wrong thing to do.

You know, you made your choice, and I like you and your kids. But collectively it's fucking insane.

I would say that the only way to redeem yourself now would be to pull your kids out of school. Go and live near your parents, uncles and aunties. Form a little village of your relatives. Let your kids play and be children. Teach your kids about the grave responsibility that faces them, but don't fucking bullshit them. Stop selling this lie that hard work and a lost childhood will somehow pave the way for a happy adulthood.

Just look at the goddam stats. Soaring rates of mental illness and suicide. Almost everybody hates their fucking job and doesn't get to spend enough time with their families. Almost everybody is stressed as fuck about money, job insecurity and the uncertainty over whether they will be able to provide housing, food, clothing and everything else they need for them and their children. It's fucking awful.

But, you know what? There are more of us than the goddam capitalists who want to maintain the status quo. Sure there are police and the army, who are there to make sure that the rich stay rich and the poor stay poor. However, the system only continues to function while we all collectively help to prop it up. Are you happy? Is this what you want for your children? Is this it?

Is this it?

Tags: #capitalism #childhood

This is a story about shutting down conversations...

Why don't we complain more? When things are going badly and luck is not in our favour, why don't we speak up about how unfair life can be? Why are we not allowed to discuss how hopeless we feel? Why aren't we allowed to say that we feel overwhelmed and that we can't cope?

There are numerous ways of shutting a person down, and ending any conversation before it even gets started:

• "Life is hard"
• "Life is unfair"
• "Deal with it"
• "Get over it"
• "Other people have it so much harder than you"
• "Look on the bright side"
• "You'll find a way to cope"
• "You'll get there in the end"
• "Look how far you've come"
• "You're a strong person"
• "God wouldn't give you anything you couldn't handle"
• "This will pass"
• "It gets easier"
• "Keep going"
• "Don't give up"

All of these phrases have the same objective: to shut the person up who is in distress. We seem to believe that talking about our distress is somehow wallowing in self-pity. We seem to think that the best way to deal with problems is just to pretend like they're not there and that they'll go away on their own. It's akin to saying "LA LA LA! NOT LISTENING!!".

This cultural programming is so engrained that we repeat the useless mantras to ourselves. When stress, anxiety and hopelessness are overwhelming us, we say the very same things to ourselves. It's like we're trying to bully and abuse ourselves into happiness. "Get happy or fuck off and die" is the unequivocal message that is being sent.

Talking about depression is now permitted, but the message is very much the same: go to your doctor, get a therapist, take some medication, take MORE medication. I can't believe how many people would say "have you taken your pills today?" or "maybe you need to increase your dose" when you're having a bad day. This is part of the reason why I don't tell my work colleagues that I have struggled with mental illness, and it's part of the reason why I don't take medication. It's too much of a cop-out to medicalise a situation which might be brought about by circumstances, rather than pathological brain chemistry.

There was an experiment where mice had to run across an electrified floor in order to get to their food. The mice were obviously pretty stressed about this, and would exhibit all kinds of symptoms of anxiety when they were getting hungry. The mice knew that the only way that they were going to get fed would be to have painful electric shocks jolting through their feet as they crossed to the other side of their cage, where the food was.

The mice would get more and more stressed, until finally they were so hungry that they had to dash across the electrified floor as fast as they possibly could, getting zapped the whole time. Pretty stressful circumstances, right?

When the anti-anxiety drug diazepam was discovered, they were testing it on these mice. The mice who were injected with diazepam would exhibit none of the symptoms of stress and anxiety, and would wander across the electrified floor in an unhurried manner. The mice who were under the influence of diazepam still felt the pain, and their faces winced with each painful electric shock that was delivered to their feet. The mice just didn't give a fuck anymore.

Pain exists to condition our behaviour. You don't stick your hand in a fire more than once. You're careful with a knife because of that one time you cut yourself. Pain tells us about our environment. Pain gives us our list of dos and don'ts, without them having to be extensively listed in some kind of compendium of things that fuck you up.

Anxiety exists to tell us to avoid pain, when we can see it coming. Without anxiety, we would stand in the middle of the road, watching a truck hurtling towards us and think "oh, this is going to hurt" but not actually be bothered about getting out of the way.

We now have a society where pain and anxiety seem to be accepted as facts of life. We can see the onrushing disaster of climate change, but yet we just stand there in the middle of the road waiting for it to smash into us and obliterate most life on Earth. We know that our jobs are utter boring bullshit and are destroying our physical and mental health, but we still continue to work them until we're too old and infirm to continue any more.

In the oft-quoted example: a frog is put in a pan of cool water, and then the water has been slowly brought to the boil. Nobody has sensed just how deadly the situation has got. Nobody is jumping out of the pan to save ourselves. We're all just sitting in a pan of boiling water saying "this is fine" like the cartoon dog in the house that's on fire.

Image credit: K C Green

If things get too hard to handle, and the danger that you sense - which is very real, tangible and rational - can no longer be quieted by telling yourself "everything's going to be fine" then you can trot off to your doctor and get yourself some happy pills to mask your symptoms.

How much depression is due to demoralisation, demotivation, boredom, stressful bullshit jobs with never-ending makework? How much anxiety is due to job insecurity, financial uncertainty, hand-to-mouth existence, well founded fears about terrorism, violence, rape, murder and paedophilia?

For sure the media rams the world's problems down our throat 24x7 from all corners of the globe, but fundamentally, even in our little local communities shitty stuff is happening. Even on the streets of wealthy London, there are awful things being perpetrated against innocent people.

Saying that life is a fight for survival, and that we are doomed to some kind of Malthusian catastrophe is disingenuous. Blaming people for their own misfortune is just an excuse for inaction. What we're basically saying is "at least I don't live in Africa" even though our lives are hardly peachy.

I would imagine that this put up & shut up ethos is trickled down from our ruling elite. While wealth is not trickling down at all, we are told that we should be grateful for a few crumbs from the table of the fat cat plutocrats. Bullying and drugging us into submission, our whole culture is one where we criticise anybody who dares to voice their discomfort and dissatisfaction with their lot in life, even though we ourselves are living with nearly unbearable stress.

It's as if we are all eating handfuls of ground up glass and razor blades, and somebody whose mouth is dripping with blood suddenly says "what are we doing? why are we doing this? we should stop!" and then everybody else rounds on them and says "we're all getting on with it without complaining, so you should too" and "take some painkillers if the pain is too much". It's as if the peer pressure to keep suffering the pain and eating the sharp glass and blades is so great that we continue to act irrationally and kill ourselves.

Food for thought, anyway.

Tags: #depression #anxiety #mentalhealth #suicide

This is a story about office life...

Look closely at the image above. It appears like I already wrote this blog post. It certainly feels like that. Haven't we been here before? Deja vu?

When you get stuck into a cycle, how do you break out of it? When the loudspeakers scream with feedback, because the sound that the microphone captures is being amplified and re-amplified, how do you reset, without cutting the power?

My behaviour might look self-sabotaging, but I'm actually deliberately burning bridges so that I have no line of retreat back to the places that made me unhappy in the first place.

When I worked in the City the first time around, I used to have 3 or 4 strong macchiato coffees every day. That's 12 espresso shots. I used to get drunk most lunchtimes and after work. I needed 2/3rds of a bottle of red wine to get to sleep, after all that coffee.

Uppers and downers, round and round. We rode the rollercoaster nonstop until we were sick. Every day, every week, every month, every year... they were the same.

When I was in my early 20's it wasn't such a big deal. We used to tank up on caffeine, churn out a load of code that would form the backbone of the world's economy, and then go get drunk to try and calm down a bit. We thought we could carry on like that forever, with our uppers and downers.

I saw colleagues get sick with stress, anxiety, depression, alcoholism. Some of my colleagues needed liver transplants. Some of my colleagues died. The system chewed us up and spat us out.

By my mid 20s I'd owned a yacht, a speedboat, sportscars... for some reason no amount of material possessions and status symbols seemed to quench the massive insecurity and frustration with life. Take a socially awkward, unpopular geek, sprinkle in wealth and the illusion that you're being 'successful' in life, and you wind up with a pretty confused adult.

While my schoolfriends paired off with lifelong partners and started to have children, I would suddenly decide that a loving relationship would be my salvation. I moved to a Surrey commuter town with a girlfriend, and started to play golf and generally start to think & act like a middle-aged family man. That was a bit of strange thing to do for a 21 year old.

Back in London after my first experiment into becoming a happy adult had failed, I satisfied myself with extreme sports, Internet discussion forums and lots of holidays and weekends away with nice big social clan. The London Kitesurfers 'club' was a lovely thing to be part of for several years. However, I still felt that I was missing that 'love' piece of the puzzle.

Some nice scientist kitesurfer girl seemed to tick all the boxes, and I launched myself with great intensity at a long-distance relationship that was never going to work. Relocating to the South coast, I quickly got involved with a geek girl who was into adventure sports: she seemed ideal, on paper.

I set about building the framework for a comfortable family life: the house, the steady job, the sensible car. However, I ignored the massive red flag: my girlfriend was a mean person.

I'm not easily dissuaded from my goals. Whatever obstacles I encounter, I just go around them. I'm a completer-finisher. I try to fix, improve, change, rather than throw things away or start again.

Anyway, I was flogging a dead horse. No matter how many times I painted a perfect picture postcard of how life could be, I'd found somebody who was stubbornly resistant to the idea of being nice and kind and supportive of the person who potentiated a 5-star luxury lifestyle for both of us. There was plenty of space for us both to shine, but sadly, she wanted me to be subdued and subserviant. She had gotten used to being showered with praise and being top of her class. She wasn't used to sharing the stage. She wasn't prepared for both of us to be happy.

I abandoned that life. I lost my business, my reputation with the major employers in the local area, my house and a substantial chunk of my wealth. I was fighting for survival, so I didn't have the time to go and carefully unpick the things that I had spent years building. I had no need of a house and shedful of things. What was I going to do with all that stuff? It was an unncessary millstone around my neck.

Now I find myself following a tried-and-trusted formula for wealth and 'success'. I'm rapidly putting together a lovely home again. I'm rapidly rebuilding my cash position. I'm rapidly rebuilding my reputation. However, I've seen it all and done it all before. I'm just going through the practiced motions.

"How did you know that was going to happen?" my colleagues ask me, like I'm some kind of clairvoyant. My ability to 'predict' the future is nothing more than making educated guesses, because I've been seen it all before. It looks prescient, but it's no more amazing than somebody who's learned from their mistakes.

That means my day job is pretty dull. I finish people's sentences, and I take great delight in giving people things they need before they ask for them. I'm ahead of the game. In the oft-quoted words of Wayne Gretsky, I'm skating to where the hockey puck is going to be.

I'm aware that this seems very arrogant. I'm not delusional. I know I'm not special or different. I know I'm no smarter than your average Joe.

I've done a 'gap' analysis, of my unsatisfying, unfulfilling and depression-filled life, and it seems like I need a dog, a cat, some kids and a loving supportive partner. If you ask children to draw a picture, they'll normally draw a house, the sun, some clouds, their parents and brothers & sisters, their pets. It seems like a pretty tried-and-trusted formula for life.

However, I even feel guilty about my cat living with my parents because he comes from a broken home. My cat, Frankie, has had to move house once in his kitty life, and I feel bad about the disruption and stress I caused him. I would love it if Frankie could live with me, but it would be cruel to make him live in a 4th floor apartment in a busy city. Having Frankie adopted by my parents, with their generous garden and surrounding Cotswold countryside, was the least bad option, but I still feel guilty.

Can you imagine how bad I'd feel if I had kids and they had a stressful home life? Can you imagine how guilty I'd feel if I knew that I selfishly chose to have children because they would give my life purpose and meaning, but I failed to adequately consider that the world I bequeathed to them is dying?

I'm running in autopilot at work. My brain is on tickover, doing my job. This unfortunately leaves a lot of time to consider the plight of the world's poor and struggling people. I have a lot of time to think about war and preventable diseases. I have a lot of time to think about inequalities and morality. I seem to be like a sponge, sucking up all the pain, suffering, cruelty, anger, hostility, selfishness, greed and immorality that seems to characterise the human race.

I could cut myself off from reading the news, but what would I do all day while I'm bored at work?

I can read the news, and if I get caught then nobody's really that bothered because I'm on top of my work and performing well. If I write my blog and try to stay on top of these feelings that threaten to overwhelm me, then I'm always nervous that my mask is going to slip.

I'm flirting with disaster anyway, wearing a semicolon tattoo just behind my ear, that advertises my struggle with depression, anxiety, addiction, self-harm and suicidal thoughts and suicide attempts.

When you have a problem, you can try to solve the root cause, or you can find a workaround. I know what the workarounds are. I know what the root cause is. I'm just not really satisfied that I can either do much about human nature and a selfish race intent on destroying itself, and neither am I very happy to attempt to insulate myself from reality, using drugs and money to put myself into a protective bubble

Begging is illegal in the City of London. Canary Wharf is a private estate, so undesirable members of society can actually be thrown out of the rich little enclave. You can kid yourself that there aren't any problems in the world, because you don't see them - out of sight out of mind - but that's why we got in this mess in the first place.

What happens next is as much a question of morality as it is a question of personal survival. Is it better to have lived life with some values and standards, rather than just saying "I was just doing what everybody else was doing" as if that's some kind of defence.

I know this is very lecturing, and once you've got skin in the game you have no choice but to try and do the best for your tiny tots, but I have a choice. I actually choose not to get a dog, because they're polluting (dogs need to eat masses of meat) and I choose not to have a family, because I can't make any guarantees that there's going to be a liveable planet for them to grow up on.

It doesn't make me a morally superior person. It's just the way I personally think. I know parents are racked with worry about the kind of world that their kids are going to inherit. I do empathise with the stress and challenges faced by families. Doesn't mean that's an excuse for me to join in though.

Tags: #family #capitalism #climatechange #career #london #banking #computing

This is a story about euthanasia...

I need to cover what I'm about to write with a hefty preamble, full of caveats and other disclaimers, because there are so many considerations with this issue, but it's an issue I need to tackle.

Firstly, let's consider this: nobody really wants to die.

For people who are in pain and other kinds of physical discomfort, or are otherwise afflicted by diseases, injuries or genetic problems that mean their quality of life is terrible, or certainly going to end up terrible: these people do not want to die. Those people would dearly love for a cure or some kind of relief from their symptoms that doesn't come with intolerable side effects.

Clearly people who want to prematurely end their lives in a dignified manner, have exhausted all treatment options, and their future looks bleak: pain, discomfort, infirmity, senility and disability.

Alzheimers and other kinds of incurable degenerative brain diseases carry the added worry that the sufferer will no longer be of a sound and rational mind when the illness reaches its late stages, and they will burden their carers, while perhaps not even being able to recognise their loved ones any more.

Let's also consider this: some people have hope, while others do not.

Yes, there's always a chance of a miracle cure. Yes, there's always a 1-in-a-trillion shot that God might personally intervene to remove the horrible afflictions that he originally cursed you with.

Most people love life and can't bear the thought of being torn from the arms of their loved ones. Most people cry out in fear, when they think they're about to die. Most people fight to survive.

There are people who have gone through many bouts of surgery, chemotherapy, radiotherapy, transplants and who take bucketloads of medications with horrible side effects, and generally battle through awful sickness and pain, holding out hope that their ailments will be at least treated well enough to prolong their lives a little longer.

Some people might spend a long time on a transplant list, barely surviving, while oxygen and dialysis just about preserve them while they wait for a donor match. An agonising race against time happens: will a donor arrive before the illness kills the poor helpless person who can only sit and wait?

I feel like I should use softer language, to cushion the blows for every person who's lost a child, parent, friend, partner, relative. Death is painful, and all the more so knowing that a person had so much more life left in them. Death can be so cruel. People so deserving of more life can be snatched away, while others who are seemingly careless with the gift of life can seem so selfish and ungrateful for their good fortune to have been spared by the gods.

And it's the ungrateful ones I want to talk about.

What do you do with the alcoholic who 'wants' to drink themself to death? What do you do with a suicidal person?

The footballer George Best famously received a liver transplant, and then proceeded to court controversy when he was caught drinking again. Instead of demonstrating his gratitude for his stay of execution, by becoming teetotal, he was clearly the same person - ungrateful for life some might say - as he was before he received an organ donation.

What do you do with somebody who is determined to kill themself? Do you put them in a straightjacket and keep them in a padded cell indefinitely, just so that they can die of old age in an asylum?

It might be the case that a suicidal person is in perfectly good physical health and does not abuse drugs or alcohol, but they are nonetheless determined to end their own life prematurely.

There's a general belief that telling people that their lifestyle is much akin to suicide, will curtail their health-damaging behaviour. Doctors mostly seem to take the route of saying "if you keep drinking, you're going to die young" to alcoholics. While most people would think that this would shock somebody into cutting down their drinking, in fact there's little evidence that it has any affect at all.

Similarly, telling suicidal people "you've got so much to live for" and "it's just your depression telling you lies" and other statements that make perfect sense to people who are not suicidal, is also ineffective. The only thing that has proven somewhat effective - as far as short 12-week studies paid for by pharmaceutical companies can tell - is psychoactive medication.

Smoking causes many preventable diseases, and is a big killer, but yet people still choose to smoke even though it's expensive, makes you smell and stains your teeth. You would have thought that the large "SMOKING KILLS" health warnings on packets would cause people to stop smoking immediately, but no.

You know what one of the most effective smoking cessation treatments is? It's the antidepressant called Wellbutrin (marketed as stop-smoking drug Zyban and generically known as Bupropion).

Why would an antidepressant be a good treatment for smokers? Well, let's consider two things: firstly, people smoke because they're missing something. Take smoking away, and a smoker's life is now incomplete. Removing nicotine and the habit/ceremony of smoking leaves a void in that person's life. Also, you've got to be fairly depressed to do something that's clearly a threat to your health, and possibly your life.

Wellbutrin is a fast-acting antidepressant, unlike anything we can get on the NHS. Instead of making people feel sleepy and emotionally numbed, Wellbutrin has been proven to offer a number of improvements in the lives of patients, including their sex lives. Wellbutrin is France's most popular antidepressant.

What do you really want from an antidepressant, other than to relieve your symptoms of depression now when you're feeling it? Being told that a medication might take 6 to 8 weeks to become effective, and then having to suffer your symptoms that whole time while you're waiting is no use at all! Some depressions will lift naturally after a month or two anyway.

But what goes up must come down. After some weeks or months taking Wellbutrin, many patients experience panic attacks and insomnia. Plus there's the obvious problem of having to stop taking the medication at some point, and suffering the comedown (sorry, I mean withdrawal syndrome).

Yes, the difference between 'drugs of abuse' and 'prescribed psychoactive medications' is precisely zero. Every medication that has an upside also has a downside. Addiction and habituation with prescription medications is just as much of a problem as with street drugs. The only difference is medical oversight and quality control.

And so, I arrive at the situation where I'm perfectly well aware that I can get short-term relief for the symptoms of my depression, in the form of a pill from my doctor. However, I'm equally aware that to go down that road is to have a lifetime dependence on medication for my sense of wellbeing. Basically, do I want to be a medically sanctioned drug addict? None of the stigma, but all of the same behaviours.

You're right, I wouldn't have to lie, cheat or steal to feed my habit. I can wander into my pharmacist, and get my uppers over the counter, and carry on like I'm a fine upstanding member of the community. Did you know that even heroin addicts are completely functional members of society, when they can get a clean high quality supply of the opiates they need? When doctors in the UK used to prescribe heroin, there were none of the antisocial problems that we instinctively associate with drug abuse today.

Of course, I'm not advocating drug abuse, but then I'm also pointing out that the flaws that afflict a smoker, a drinker, a junkie and even a depressed person... they're all rooted in the same psychological need to cure an invisible illness.

Pretty soon, I will have spent a year where over 75% of the time I was using no psychoactive substances at all, except for alcohol. A period of 115 consecutive days - 32% of the year - I was completely teetotal. For the whole year I had no tea, coffee, cola, energy drinks, or caffeine containing headache pills (more common than you think). I'm completely unmedicated.

How do I feel? Awful.

It seems to me like I have a choice: suicidal depression, or drugs (i.e. medication, coffee & alcohol etc.)

I know that a scientific study with one participant tells us nothing, but equally I'm not a group, I'm me. You can't dismiss my individual findings, that are true for me. I've gathered the data during a 20 year career, and I've come to the conclusion that my life is unliveable in its current form.

When you are conducting a scientific study, you have to control the variables. Thankfully, I'm an ideal test subject for this.

Since the age of 17, I've been a very well paid software engineer. For sure, during the first couple of years it took me a while to get my salary up to a decent level, but since the age of 19 I've never had to worry about money. Also, I've done pretty much the same thing for all my career: sitting at a desk, tapping on a keyboard, making software.

I've had the same running crisis my whole career. When I was 19, I was bored so I applied to university and was offered places at some very prestigious institutions to study psychopharmacology. I decided to stick with the money, and keep selling my soul to the highest bidder.

When I was 28, depression had crushed me to the point I was on my knees and unable to turn up and do the same office bullshit anymore. I retrained as an electrician and started my own company.

As a self-employed tradesman, I loved what I did, but I was grossly underpaid for the level of responsibility I had. Ordinary members of the public think that tradesmen are out to rip them off. In reality tradesmen are highly trained professionals whose job it is to stop houses burning down and families being electrocuted or poisoned by carbon monoxide.

The freedom of not having a boss, not having a 9 to 5, Monday to Friday routine, and not having to sit in the same damn chair at the same damn desk, pushing the same damn 102 keys on the same goddam keyboard... all of those things are just as great as they sound. However, getting paid peanuts to do dangerous dirty work is also not great either.

And so, I returned to what I'm experienced and qualified to do.

I earn staggering amounts of cash for moving my mouse around and looking busy at a desk. However, I used to earn £470 per day when I was 20 years old, doing computer programming for Lloyds TSB back in the year 2000. My job is exactly the same today, doing the same damn computer code for HSBC, JPMorgan, Barclays or any other damn bank.

But maybe the problem's banking? Nope. I've written computer code for nuclear submarines, torpedos, school computer networks, trains, parking ticket machines, busses, security guards, shop assistants and just about every other weird and wonderful industry you can think of. I've written in dozens of programming languages, for dozens of operating systems, on dozens of form factors. It's all the fucking same binary 1s and 0s and boolean algebra under the covers. All code is made from the same nuts and bolts. It's fucking boring.

And so, I can be a miserable exploited worker on a low wage, doing something I take pride in but knowing that I'm undervalued. I can be an overpaid and underworked software developer / scrum master / development manager / IT director. I can be a stressed out startup founder working my arse off to line the pockets of the venture capitalists who are going to get filthy rich at the expense of my health. I can be a destitute bum, a tramp, a hobo. Which would YOU choose?

I particularly object to the idea that I have to drug myself up, just to fit in with the bullshit jobs economy. I object to having to be high on antidepressants just to be able to cope with the same bunch of fucktards making the same fucking mistakes I've seen a million times over, in the job that I've mastered and brings in obscene amounts of cash. I object to having to be high on anxiety medication, to cope with the insecurity faced by the underpaid and undervalued front-line members of society who build your houses, look after you in hospital, grow your food and perform every other truly useful function that we need.

Even to work in civil engineering would frustrate the hell out of me. Crossrail, the multi billion dollar project improve London's cross-capital transportation, is rather pointless because it will be at full capacity on the day it opens, because London is already packed full of idle fucktards like me, clogging up the world with pointless makework jobs. Do we really need any more offices and office workers? Do we really need any more service sector jobs? Do we really need such a bloated financial services sector, with its equally parasitic support industries of corporate law and accounting? It's all such utter bullshit.

And so, I'm damned if I do and I'm damned if I don't.

In my 20 years of full time work, I've become worn down with it all. I'm exhausted. I've tried a number of things, and I find that bullshit prevails everywhere I look. My heart is broken by all the bullshit that trumps everything else.

I'm exhausted, and I'm depressed and I'm suicidal.

Yes, I know some people are grateful for their lives and what little quality of life they can squeeze out of their existence. Yes, I know that I have good physical health and I'm reasonably young still. Yes, I know that there'd a queue that stretches around the planet, of people who would love to have my job.

So, if I choose to reject all that and end my life because I feel like I have no quality of life, is that morally wrong?

You can't even level the accusation of me that I don't know suffering, and I don't know poverty. I've lived homeless in a park, destitute, penniless and surviving on charitable food donations. I've woken up in hospital numerous times in pain and discomfort. I've had numerous scrapes with death. Shouldn't all that stuff make me grateful to be alive? Guess what? You have absolutely no idea. Guess what else, I have a very good idea, because it's already all happened to me.

I wasn't born with a silver spoon in my mouth. I went to state comprehensive schools. I wasn't gifted jobs by any friend or family member. I had no head start in life. It's true that I have no obvious disability or disadvantage either, unless you count a couple of drug addict alcoholic parents, but I still had other family members, teachers and friends who were nice to me. It's not a fucking competition. The point is that the variables are controlled. I neither had advantage nor disadvantage, but yet I arrived at this point, here, now, today.

It's not like we can say this is just a short-term crisis. Like this will fucking blow over.

It's not going to blow over. For 20 fucking years it's been the same. The same shit, different day.

Yes, there were times that were actually pretty good, but guess what... they weren't sustainable. I liked living in a hostel with a bunch of other homeless people. I liked not having a job and being a bum. I liked having no responsibilities. Who wouldn't? But that's not real life. We don't get to have a freebie just because 'real' life is killing us. It still cost £120 a week for my bunk bed in a dormitory that slept 15 people, with one fucking bathroom between us all. My current rent is only £240 a week and for that I get a double bedroom, an ensuite bathroom, a kitchen, a dining room, a dual-aspect lounge with panoramic views over London and a balcony overlooking the river Thames.

I should be happy, but I'm not. Happiness is not a choice, no matter what you read on some bullshit Internet meme inspirational quote.

All the right pieces are in place. My doctors are chuffed to bits that I don't drink, smoke, abuse drugs or in any way engage in health damaging behaviours. My blood pressure is amazing. My cholesterol is low. My eyesight, hearing, teeth, joints... all of it is perfect.

And yet, my mental health is in ruins. I'm so depressed. I'm so suicidal.

I'm doing everything right, and yet everything feels so wrong.

Of course I feel guilty for feeling like this. What the fuck am I supposed to do though?

Honestly, I feel like I want to spend the next 30 days convincing people that the most humane thing is to let me end my life. Honestly, despite the things that should be really great in my life, nothing feels great. Nothing feels good or nice. Nothing works. Nothing is working.

There's still the possibility of just running away and absenting myself from all responsibility, but then when I'm dirty and sick from a life of destitution... when I die then, will anybody understand? A tramp, a bum, a hobo, a junkie, an alkie... these people are all too easily dismissed by society.

What happens when highly paid banking IT consultants start dying? Well if they're white middle class thirtysomething men... not much. Who cares? Probably just a selfish socialite, having a tantrum because they can't do whatever they want, one newspaper article basically said, in the wake of one death.

What the fuck is anybody supposed to do about this fucked up life that we're supposed to live?

I really don't feel like I can live this bullshit rat race anymore, and the alternative is a long slow death, shunned by society and marginalised.

In the long run, we're all fucking dead anyway.

Apologies if I'm triggering raw and painful feelings about your beloved family member or friend who is busily fighting for survival, or who lost their battle. I really don't mean things disrespectfully, but I can't lie anymore. I feel this stuff and it's undeniable.

Call me narcissistic needy spoilt white middle class brat if you like, if it'll make you feel better. It certainly won't make me feel any worse, but isn't that so terribly melodramatic and attention seeking?

Can you understand, how exhausting it is, having to justify your feelings and apologise for wanting to be dead the whole fucking time?

It's a one-way ticket and for sure it needs careful thought, but aren't we being a bit unfair, shutting down the conversation by guilt-tripping people into hiding their feelings? Perhaps suicide is a smart choice for people who feel that they have no quality of life.

Tags: #suicide #depression #mentalhealth #addiction #alcohol #drugs #medication #nhs #hospital

This is a story about the rich:poor divide...

Theresa May, the British prime minister, had the gall to lecture the poor on living within their means. In actual fact, the poor are working hard and just trying to keep up with the wealthy, who are racing ahead.

If you look at the Instagram account called Rich Kids of Instagram you will see that it is extremely popular. 'Reality' TV shows that have followed mega-rich people like Ozzy Osborne and family, the Kardashians and the cast of Made in Chelsea, are some of the most viewed and talked about things on television. Wealth worship is everywhere, and is it wrong for people to feel that they deserve a little of the life that is rammed down their throats by the media?

When we are talking about living within our means, this is coming from politicians who spend 6-figure sums of money each year on expenses alone, while also pocketing salaries that are many many times more than the average wage. The problem comes right from the top. The more that rich public figures splash their cash, the more the hypocrisy is insulting when they tell the poor to tighten their belts.

How many people on council estates are driving Ferraris that they can't afford the repayments on? How many hardworking families have ordered yachts that they now can't afford to pay the remaining balance on?

When we talk about living within our means, we are talking about people who are quite familiar with budgeting, make do and mending, and the general attitudes of postwar austerity. Really, when talking about living within our means, we should be talking to the banks, who recklessly endangered their financial stability by not living within their means in terms of their ability to maintain solvency. It's the banks that are insufficiently capitalised and are excessively over-leveraged. It's the banks that have lent many, many, many times more money than their reserves allow, in the pursuit of endless effortless profits.

When a person borrows money, they intend to repay that money using hard work. The borrower will go to their job every day, and be productive. In return for a person's hard work - productivity - they will receive their salary, with which they will buy the things that they need and repay their debts.

When a banker lends money, they intend to profit for no labour at all. Through interest slavery, the banker will make money, simply because they already have money. Using the money multiplier - fractional reserve banking - the banker will in fact be able to lend the same money, over and over and over again, multiplying the amount of effortless interest that is earned each time.

It is the banks who are not living within their means, nor being hardworking or productive in any way. It is the banks who have decimated global finances, and are now demanding that the hardworking people accept austerity, pay freezes, job insecurity, unemployment and low growth, simply because they overstretched themselves in pursuit of yet more effortless and labour free income for doing absolutely nothing.

Let's imagine that a banker, with zero money of his own, is paying a generous interest rate of 0.25% on deposits - exactly the same as the Bank of England. Using a fractional reserve of 5%, which is the minimum requirement for today's stress-tests of banks, to make sure they're adequately capitalised in the event of another credit crunch, that means the banker can multiply a £1,000 deposit into nearly £19,000 worth of loans. Obviously, the loans carry a hefty interest rate. Let's imagine that the banker lends out the £19k as overdrafts, which often carry a 20% APR on the high street. In a year, the banker will now net nearly £4,000 of profit, for doing absolutely nothing, out of just a £1,000 deposit. That's a 4 to 1 ratio! For every £1 deposited with Utter Bastard Bank Plc, they're going to make nearly £4!!

So, while the poor toil and tighten their belts, buying the cheapest groceries they can and cutting back on every expense, the banks are getting fat for doing absolutely nothing at all. Interest slavery is a con and a crime, and the perpetuation of this situation is the only reason why ordinary hardworking people are having to suffer NHS cuts, crowded public transport, packed classrooms, pay cuts, redundancies and every other economic penalty for the bankers' failure to live within their means.

Yes, we'd all like to make money while we sleep. Yes, we'd all like money for nothing. However, a bank is just utter bullshit. A bank is supposed to be an instrument to grease the wheels of commerce, not a massive leech, sucking so many pounds out of people's pockets, for every penny they leave in their bank accounts.

And, when you're richer, the things that go wrong in your life are mere pocket change. Let's look at a person who earns £20k, versus a banker who earns £200k, i.e. a 10 to 1 ratio:

• Parking fine £50... costs the banker £5
• Car breakdown £500... costs the banker £50
• Need a new central heating boiler £3,000... costs the banker £300
• Private school fees £12,000... costs the banker £1,200
• Food £300... costs the banker £30
• Holiday £700... costs the banker £70

Imagine if your budget used the values that the banker pays. They're a much smaller percentage of your income, aren't they? Life would be a lot easier if everything cost 1/10th of what it does. Well, guess what, the banker pays exactly what you pay, except they earn 10 times as much, so the two things are equivalent.

Everybody's car breaks down from time to time. It's a fact of life. In fact the shitty old unreliable banger that the poor family bought, is much more likely to break down than the brand new BMW that has a warranty, that the banker bought.

Once you've got money, you can keep it and you can make some more. If you haven't got any, no amount of living within your means is going to improve your situtation. It's a con. It's utter bullshit. It's a swindle.

When the banks in Italy start to fail, and cause a domino-like collapse of all the banks across the world in a re-run of the 2007/08 financial crisis, except much, much worse, it will become apparent that all of the suffering that ordinary people have gone through in order to rescue a deeply flawed banking system, was for nothing.

I think people are going to be pretty angry when they realise that patronising idiots like Theresa May arrived in their positions of power by luck not good judgement. I think people are going to be pretty angry when they find out that the good times never stopped in the City of London, and pay rises and bonuses are just as big as they ever were, while all the hardworking ordinary people suffer the consequences of propping up a broken and corrupt system.

It's time to smash the system, and rip it out of the hands of a psychopathic elite who would have us starving and dirty, living on the streets, if it meant they could maintain their ill-gotten position of wealth, power and domination.

What's the difference between a successful banker and a struggling worker? Absolutely fuck all, apart from pure dumb luck, but those arrogant fucks don't even realise how fucking hypocritical and patronising they are when they accuse other people of being underachievers, having been profligate and poorly mismanaged their finances, and having not worked hard enough.

It incenses me, that a tiny handful have such unimaginable wealth, when so many billions live in abject poverty. Just 62 people have as much money as 3.6 billion others. There is so much that is wrong with that. Off with their fucking heads!

Tags: #banking #capitalism #politics

This is a story about having too much of a good thing...

Pills, pills, pills. A pill for every ill. We have so much faith in modern medicine at the moment, that we have medicalised boredom, depression, stress, when clearly these are as much a product of our environment, as they are a sign of anything pathological.

The very process of going to your doctor and getting sent away with some unnecessary pills, is well known to have a placebo effect. With the Internet and the possibility of self-diagnosis, we have turned into a society of hypochondriacs, who attribute every tiny discomfort to symptoms that require medical attention.

We have now overprescribed to the point that we have super-resistant strains of bacteria that can't be killed even with our last-line-of-defence antibiotics. Going running to your doctor because you've got a cough or a cold, and being fobbed off with magic beans that you believe can cure your viral infection, is just downright stupid, and now it's biting our arse.

It's the same thing with antidepressants. Because over 60% of us hate our boring stupid stressful crap jobs, we've been dishing our psychiatric medications like they're sweets. Over 60 million antidepressant prescriptions got written last year in the UK. That's enough for every man, woman and child in the whole country.

The number of people taking antidepressant medication for their clinical depression has doubled in a decade. There is a mental health epidemic that is driving so many other antisocial trends: alcoholism, drug abuse, isolation and loneliness, insecurity and anxiety, loss of productivity, loss of motivation, loss of drive to exercise and socialise.

What are you going to do if you work some dreadful zero hours contract for rock bottom wages and can barely make ends meet? What are you going to do if there's no hope of you getting on the housing ladder, or escaping from the financial situation you find yourself trapped in?

Of course people are going to turn to drink & drugs, to try to numb themselves from the painful monotony of working as hard as you can but never getting ahead. There is no light at the end of the tunnel for so many people. You just work, and then you die. None of your dreams will ever come to fruition. None of your hopes will ever be realised.

There's a disrespect for addicts and alcoholics, like they're taking the easy way out. Because there is supposed to be instant gratification in a pill, powder or liquid that contains psychoactive substances - uppers & downers - then it doesn't seem as worthy as those who physically toil for their fix of endorphins. However, how many 'legitimate' routes to happiness are there in the world, really?

There used to be a formula: get married, buy a house, have some kids, die. The first 3 you can't really do anymore, without cash handouts from the bank of Mum & Dad and/or the state. Who can really afford the lavish wedding that society expects us to have? Who can afford the deposit on some crappy tiny little flat, and afford the mortgage repayments, when you earn barely enough to survive? Who can afford childcare and all the other associated costs of childrearing, when you already don't have any disposable income?

All the hard work, industriousness, austerity, careful financial planning, saving, budgeting and diligent application of yourself to furthering your career, is likely to result in what? Maybe a few percentage points of a pay rise, if you're really lucky. Are you going to get promoted? Are you fuck. They're going to promote somebody incompetent and lazy, because they're older and they've been with the company for longer. Merit and hard work will get you nowhere.

So, pretty soon, you're going to get tired & depressed about it all. You tried hard at school. You turned up for your exams and gave it your best shot. You stressed yourself out and went to those interviews and got that job, and you worked your hardest, day after day, even though you could sense it was all utter bullshit by now. And for what? Where are you? What have you achieved? What are you ever going to achieve?

The enormity of it all hits you: you were sold a lie. You can't be anything you want to be. You're not special. You're not unique. You're not different. We're all just so much meat in the mincer. Turn the handle and out comes yet another drone just like you; prepared to do the shittest, most mind-numbingly boring and pointless work imaginable, for a salary that doesn't even buy you the basic essentials in life.

Why wouldn't you go running to the doctor, and ask them to dope you up to the eyeballs, so you don't have to live with the crushing realisation of the pointlessness of it all anymore? Why wouldn't you need happy pills, when you realise that the only way you're ever going to get the things that you were promised that hard work would bring, is by being given a council house or a cash lump sum from your parents. The only way you're going to ever be self sufficient is if Mum & Dad or the state top up your income... like you're some sort of fucking charity case... going around with your begging bowl.

How undignified. What an affront to human dignity it all is. Our parents and grandparents proudly tell us that they're "self made". They make loud proclamations that "nobody ever gave me a handout. I worked hard and I earned my keep". How shameful it is that we're twice as smart and work twice as hard, but we have nothing to show for it, except for a sneering generation telling us that exams are getting easier and that we're lazy and stupid.

Crippling debt and the crippling shame of not being able to live independently, not being able to be self sufficient and feel like we too are earning our money and contributing to the growth and wealth of the nation. It's all so crippling, so debilitating. Of course we need to turn to medications, drink and drugs.

You think it's about having a good time? Happy pills, and lashings of beer & wine? You think people wouldn't rather be happy by natural means, because they're fulfilled by normal things in their life: walking the dog, kissing their kids goodnight and paying the mortgage on their own home?

Antidepressants are a sticking plaster over a gaping wound. We have attempted to cover up the steady decline in the standard of living of young people, and mask the problem using happy pills, but the soaring suicide rates are just the tip of the iceberg.

Unless we face up to the reality that those who are suffering from many mental illnesses are the canary in the coal mine, we will reach a crisis point where most of the population are unable or unwilling to continue to maintain the status quo.

The mental health epidemic is the true breaking point, not immigration.

Tags: #mentalhealth #suicide #depression #politics #capitalism

This is a story about the debt spiral...

When the burden of debt in society is too great, and lenders are unwilling to forgive - to take a debt haircut or even write off debts - then there will be popular uprisings.

It's not that people don't want to repay their debts. In fact, most people accept that debt is a necessary evil in order to get the things they need when they need them, rather than towards the end of their life, in senile old age and infirmity.

And so, we become burdened with a mortgage, in order to give our family a stable roof over their heads. We become burdened with a car on hire purchase, so that we have a reliable and safe modern vehicle to be able to take the kids to school, and to get us to work without breaking down. We put our holidays and special occasions on credit cards, and pay back the debt when we get back, or after the festivities are over.

Most people diligently repay their debts.

In free-market economics, prices are able to fluctuate to find the point where affordability meets maximum profit. Do you think the cost price to the producer or supplier of the goods and services that you purchase, bears any relation to the retail price that you pay? Of course not. That's why a designer brand T-shirt costs at least 10 times as much as an unbranded garment, even though they come from the same sweatshop in the developing world.

In our consumer society, you are 'free' to select the goods and services that you want. However, in order to fit in with your buddies who are in a similar socioeconomic group to you, you will select the brands that they do. If you're rich, you'll do your supermarket shopping at Waitrose. If you're poor, you'll do your shopping at Asda/Walmart. However, the food you buy will have similar calorific content.

The brands become better and better at pricing their products so that you are just about able to buy everything you need, but won't have much spare cash left over. The brands know the income bracket that they're targeting, so they know the level where their consumers will become price insensitive. I literally don't care whether my coffee costs £2 or £4. If my coffee cost £5, then I'd think "blimey! that was expensive, I'm not going to go there again" but the £2 coffee shop could literally increase their prices 100% and I wouldn't even notice.

Once everybody has maxed out their budget, on the mortgage, the car finance, the credit cards, the overdraft, the store cards and some personal loans, where do you really go from there?

We demand that our corporations make increasing profits, but yet in order to do so they must hold down wage inflation and the cost of raw materials. We demand that our economy grows, but in order to do so, people must use increasing amounts of their limited pot of disposable income to drive consumption. What happens when everybody is just maxed out?

We're living in the age of low growth, high borrowing and low wage inflation. In order to sustain corporate profits, the cost of goods & services continues to increase. In order to prop up the capital growth of the pension funds, asset prices - such as house prices - have continued to be overvalued. However, the only way that the general population have been able to maintain their standard of living is through borrowing.

Ordinary people have not been profligate and stupid. People were promised pay rises and promotions, and instead they've been given job insecurity and wage cuts in real terms. If your wage increases just a few percent, but the cost of your housing, bills, food and transportation all increase in double-digit terms, then you're actually getting poorer.

If the headline rate of inflation - which is pretty much just concerned with wages - is low, then the value of your loans & mortgages is not getting inflated away. The baby boomers might complain about interest rates reaching over 15% in the late 1970s, but they forget that their wages were also increasing too. By the time the 1980s came around, people's mortgages were a tiny fraction of what they were earning.

What we see today is people's cost of living skyrocketing, but their wages are the same, which means they're earning less and less in real terms. If your wages stay the same, and your cost of living is increasing, that means you have less and less money to service your debts. So, you tighten your belt and cut back on your consumer spending, which in turn hurts an economy that is so dependent on spend, spend, spend!

What we see today is far worse than the Japanese stagflation that meant that the price of goods and services was getting cheaper, which encouraged people to become thrifty because they could buy things more cheaply if they waited. Instead, what we are seeing is people who have been promised growth, completely screwed over by a system that robs them of their wealth with no opportunity to do anything about it.

In a zero growth world, debts need to be forgiven or else ordinary people will become so unhappy that they will overthrow their idle creditors.

Tags: #banking #capitalism #politics

This is a story about ethics...

Imagine if you or I got caught laundering the best part of a billion dollars worth of drug money. We'd get sent to jail for a very long time, right? What if a bank got caught doing it, and there was so much evidence that there was clearly a case for criminal wrongdoing that could be prosecuted? Well, maybe you'd get given a chance to get rid of some of your dodgy customers, and nobody would go to jail. Does that sound fair?

Let's think about the financial crisis of 2007/08, when reckless trading meant that the whole banking sector had to be bailed out, causing austerity for ordinary hardworking people. The people who have paid the highest price - with lower wages, job insecurity and cutbacks for frontline services - would never be able to go begging for interest free loans if they behaved so irresponsibly.

Bankruptcy is not a criminal offence. It's OK for a private citizen to run up huge debts, find out they could never hope to possibly repay their creditors, and declare bankruptcy. You don't go to jail for bankruptcy.

So, arguably, what the banks did in 2007/08 wasn't that bad. It wasn't criminal. They had their risk underwritten by governments, so why wouldn't they take huge risks with public money? They were economically incentivised to take those risks, because the precedent of the "too big to fail" bailouts meant that there was no downside risk.

But what about money laundering? What about facilitating payments for drug gangs, dealers, traffickers? If you or I were involved in any of that as a private citizen, the courts would throw the book at us. They'd lock us up and throw away the key. It's criminal.

So, what about the banks? If the biggest bank in Europe - HSBC - was well known to authorities for helping a couple of major drug gangs to launder the best part of a billion dollars in dirty money, wouldn't that be criminal too? Wouldn't people go to jail?

Well, no. Enter the concept of "too big to jail". Just like the financial bailouts that the banks received, banks can also receive Deferred Prosecution Agreements. That is to say, even though you got caught doing criminal stuff, you'll get let off so long as you take some steps to stop doing it in future.

And how long would you have to get rid of your dodgy customers? Well, say the US Department of Justice were thinking about prosecuting you in 2012, you might still be botching the IT project that is apparently 'essential' to get rid of your dodgy customers 4 years later... in 2016.

How much do HSBC really know about their customers anyway? Well, from their electronic records that they already have on file, they know about 6% of what they need to know. So basically, they don't know 94% of what they need to know.

Now, you might not be an IT project management expert, but you'd have thought that it's more important to find out the missing 94% of what you don't know, than even to bother with the 6% that you do know. Sure, it's pretty embarrassing to have to ask your customers where they live again, but what you really need to know is this: where did you get your fucking money?

In Customer Due Diligence terms, this is called Source of Wealth. You might have inherited the money (legit), you might have won the lottery (legit), you might have sold a priceless artwork (legit) and you might have trafficked vast quantities of illegal narcotics (not legit). Basically, HSBC had 4 years to ask all their customers "is your source of wealth drug money?". Did they manage this? No.

I'm quite spectacularly offended by just how badly they botched a simple project to ask all their customers to fess up: are you in the illegal drugs business?

Sure, it's true that HSBC had to cough up a couple of billion dollars in fines, but for them that's just the cost of doing business. Their profitability was barely affected.

Arguments were made to the US to defer prosecution, and to allow HSBC to keep its banking charter and continue to do business in the United States. These arguments were made on the basis of maintaining stability in the financial markets. The Deferred Prosecution Agreement came with stringent terms, that a court would appoint a Monitor to make sure that HSBC actually cleaned up their act. I can tell you now, Michael Cherkasky, that the project to clean up HSBC's customer base was a total sham. A shambolic waste of time & money, mismanaged to the point that the whole thing was laughable.

Do you think that message that is sent to "too big to fail" organisations, that they're above the law and they can never go bankrupt because they'll always be bailed out, is looking like the right one, today, now, in 2016?

The argument that has been made is that we need to prop up the share prices so that the pension funds are protected, and we need to maintain financial stability. Isn't that just utter bullshit, in the face of austerity and extreme volatility in the markets? We've had round after round of Quantitative Easing (QE) and other attempts to breathe life into markets that have lost their minds. There is nothing at all rational or efficient about the global markets that we see today.

And to round it all off, it's corrupt as hell. To allow banks to ride roughshod over the rule of law is the final step in handing over the nations of the world to the multinational corporations who have driven us into a position of financial ruin, much to the pain of the vast majority of ordinary working people. It stinks of the worst corruption ever perpetrated on Western civilisation, does it not?

Somebody has to call time on the lack of ethics and accountability for the too big to fail organisations, and their board members who are too big to jail.

When we allow the likes of Stuart Gulliver to be the CEO of HSBC, when he doesn't even keep his wealth in the bank he manages, but instead keeps it hidden in the Cayman Islands and Switzerland, clearly we have corruption right from the top down.

David Cameron, outgoing Prime Minister of the United Kingdom said, as recently as April, that "[I] can't point to every source of every bit of [my] money" but yet we would have the likes of you or I have to prove that our filthy lucre was not ill-gotten gains from some criminal enterprise. The corruption comes from the very top of both Government and organisations. It stinks.

Who is going to grasp the nettle and hold Government and large enterprise to account for having run us into economic ruin, while busily siphoning wealth offshore?

There needs to be accountability. There needs to be jail time for corrupt executives and government ministers.

Tags: #banking #capitalism #hsbc #politics