Saturday, February 3, 2024

The Personal Finance Emergency Room

© saintlukeskc.org

The state of healthcare, or lack thereof, in the United States is exemplary the overall pattern of capitalist predation and oppression that causes undue financial and emotional stress. A recent experience with an emergency room visit prompts me to probe the connections once again.

While visiting family out of state for the holidays in December, my partner experienced prolonged numbness in her hand. This was not an “I slept wrong” issue that resolves itself within an hour or so of waking up. Given Heidi’s history of a mild stroke, we take symptoms like this seriously.

My sister-in-law’s family lives in a rural town, so we drove an hour to one of the few open urgent care clinics. Upon describing the issue and her medical history, the intake person declared that urgent care is not equipped to evaluate such situations, and referred us to the nearby hospital.

I will be generous and say that our time with a physician lasted fifteen minutes. The doctor asked questions, even got out of their chair to do a brief, standard protocol to rule out another stroke. They ventured that it was not a stroke, but without imaging, could not rule it out entirely. We declined additional procedures. The next half hour was devoted to the paperwork exit interview.

Fast forward to this week. The bill is over $2,400. We have health insurance. Despite this, we are left with a payment exceeding half of that amount. Yes, there is the “deductible,” and we are fortunate in being able to absorb that shock to our finances. Most people cannot, but even for those that share our circumstance, the ripple effect is profound.

Misery is simply another commodity, publicly traded under other identities.

When faced with a large, unexpected, unavoidable expenditure, be it for a medical bill, vehicle repair, needed plumbing upgrades, or some other catastrophe (all of the scenarios I listed are ones we have experienced in the last few months), my mind goes to what we must now sacrifice. There goes that vacation. Charitable donations? Off the table now. Membership in that organization? Nope. Meals out are less frequent.

It is no wonder that the average American’s bank account is always in the emergency room. It may not be a government conspiracy responsible for that condition, but certain business models literally profit from it. You did not get yourself into this mess.

We need an ‘unsubscribe’ button, and do not have to name an alternative to reject the current system.

The American oligarchy existed long before any of us were born, but its influence has intensified, and become vastly more complicated in its ways of appeasing the masses without truly solving any of the problems that exist because of….oligarchy. Government is complicit, at least at the level rendered by the ability of the oligarchy to appease politicians it helps get elected. Even supposedly well-meaning crusades like the “war on drugs” are waged not because of sympathy for addicts, but because cartels are making money that the oligarchy covets.

In the world of capitalism, everything must be privatized, and for profit. Only the consumer has value. Labor is an overhead cost, to be outsourced, or automated, at every opportunity. How to foster consumerism, then? Credit, and other forms of lending, which the oligarchy profits from by charging interest. Debt is not figured in the calculation of poverty levels, so the illusion of a middle class persists.

Our economic system has even turned our collective stress and anxiety into for-profit enterprise, from pharmaceuticals to sports betting. Misery is simply another commodity, publicly traded under other identities. We are in an abusive relationship with corporate-level business, on both the production side and the consumer end. We need an “unsubscribe” button, and do not have to name an alternative to reject the current system.

Instead of capitulating to the script that says Blacks and other minorities are threats to our safety and security, that immigrants are taking our jobs, and welfare is being exploited by the poor, we can seek ways of disconnecting our lives from global capitalism. We can expose the culture wars for what they are: distractions from the oligarchy that is taking power and control away from us.

We do not have to quit capitalism cold turkey. Do it incrementally. Engage in positive distractions, like arts and crafts. Go out into nature, like I do, and observe other organisms as examples of a basic, but vivid and satisfying existence. Participate in community commerce. Make friends with local farmers, and school teachers. Help them prosper. You will feel better daily.

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