You make a great case, the shell of the idea seems pretty sound. It will be a real slug for some of us though.
Is communism the answer
Join a credit union now while you can.
Take a break, or try different activities when you get down with the ganja. If your norm is to get blasted and watch YouTube or play video games, try some light exercise like an outdoor walk or visiting downtown shops if you have them. Try a new restaurant or go to the cinema. If it’s nice out rent a bike or explore a city park or nature trail.
When I’m stuck in a rut sometimes it helps to just try something new. It’s hard to get myself out of the house but I always enjoy myself when I do. Sometimes I wake up before my fiance on the weekends and walk the dog to downtown or there’s a coffee shop + dispensary wla shirt walk away.
Just… Why?