The Ten Commandments of The American Religion
(http://www.freakonomics.com/2011/09/28/the-ten-commandments-of-the-american-religion/)
James Altucher
09/28/2011 | 5:58 pm
09/28/2011 | 5:58 pm
If I stood in the
center of Times Square and said something like “Moses didn’t really part the
Red Sea,” or “Jesus never existed,” people would probably keep walking around
me, ignoring what I said.
But if I stood
there and said, “Going to college is the worst sin you can force your kids to
commit,” or “You should never vote again,” or “Never own a home,” people would
probably stop, and maybe I‘d lynched. But I would’ve at least gotten their
attention. How? By knocking down a few of the basic tenets of what I call the
American Religion.
It’s a fickle and
false religion, used to replace the ideologies we (a country of immigrants)
escaped. Random high priests lurk all over the Internet, ready to pounce. Below
are the Ten Commandments of the American Religion, as I see them. If you think
there are more, list them in the comments.
The below is an
excerpt from my just released book, I Was Blind But Now I Can See.
The Ten
Commandments of the American Religion
#1 Thou Shalt Own a
Home.
The American Religion wants you to have a home with a white picket fence. Why
would the high priests of the American religion want that? A couple reasons:
So that you owe the
banks money for 30 years or more (after second, third, or fourth mortgages).
The banks need to borrow from your checking account at 0.5% to be able to lend
right back to you at 8%. That’s how they make money and it’s one of the largest
industries in the world.
Also, owning a home
makes you less flexible in terms of where you can move. The job market is ruled
by supply and demand. Supply of jobs in an area is finite. So they want to make
sure you can’t move so quickly so that demand only goes up.
#2 Thou Shalt Go to College. There’s the myth that going to college leads to a better life, or a “promised future.” Almost like how the contract Abraham had with God would lead to Judaism being a group of “chosen people.” A couple of points:
Statistically,
there’s no proof that smart, ambitious, aggressive people won’t benefit
enormously from a five-year head start against their peers who choose to spend
five years doing homework and drinking beer and going to frat parties. And don’t
quote me the stat about the differences in salaries between college grads and
non-college grads because there’s enormous selection bias in that stat and it’s
like comparing apples and oranges right now.
The government
needs to pay off $74 trillion in Social Security in the next 50 years. They
have to make money somehow, so student loan debt is now higher than credit card
debt for the first time in 50 years. Imagine that: we send our children off to
college and then 5 years later (the average time spent in college by those who
graduate) they come out owing the government $100,000. Thank God the government
gets to exploit our kids so they can pay off the promises they made under Lyndon
Johnson during the Vietnam War.
There are so many
exciting alternatives to college. I list some of them here. I’m excited for my children, because
I hope they have experiences that will change their lives forever rather than
going into the rat race so they can end up ignorant, in debt, and working at
nonsense jobs so they can pay off the gangsters who have guns pointed right at
their heads.
One anecdote: the guy who caught Derek Jeter’s 3000th hit is a
sales clerk at Verizon with $150,000 in student loans. Why couldn’t he get a
better job with his college degree? Why did he give Jeter the ball back? Jeter
is going to make $100 million in the next few years. This guy could’ve paid his
loans back and been free. Freedom is
everything. But he wanted to be a “good guy.”
The American
Religion needs you to be in debt; needs you to pay hundreds of thousands of
dollars to read the same Plato you could’ve read in the bathroom at your local
library. “You’ll have a better life,” they say. “Your life is secure now.”
Right, you are fully secured by the shackles they hand you on graduation day.
#3 Thou Shalt
Recognize that Some Wars Are Holy. Everyone argued with me in my post about
“Name me a war that was worth it.” Apparently some wars are
“holy” and can’t be argued against. All I want is to prevent 18 year-olds from
dying. That’s the basis of my argument. We can argue all the history we want
after that.
#4 Thou Shalt Obey
the Constitution.
There’s no document more sacred (as it should be) in the American Religion. And
yet, just as the principles of the Bible are often forgotten by its highest
adherents, ditto goes twice over for the U.S. constitution. For instance, who
has the power to declare war? The House of Representatives according to the
Constitution. The House hasn’t declared war on anyone since 1941. The U.S.
Constitution is the Holy of Holies in the American Religion. Until those
moments when we break the rules. Then everyone looks the other way. “We had to
do it that way,” goes the common refrain. “To protect our way of life.” Someone
is always protecting me and my way of life. I’m fine thank you.
[See my post: July 4 is a
Scam]
#5 Thou Shalt Give
to Charity. Because the American Religion, unlike most religions, doesn’t
have a strict code of ethics, giving to charity is often considered the sign of
a “good person.” A couple of points on that:
Giving to charity
costs money. So the best people in the American Religion then are the ones who
have the most money to give.
Volunteering is
more and more difficult for people who have to pay back student loans and
exorbitant home loans. Good luck volunteering when your children need to be fed
or when you are an indentured servant thanks to your advanced learning in the
ivory tower.
Let’s go over the
math of every dollar you spend on charity. When you give $100 to a major
charity, most of that goes into the bank. They then invest the money. On the
interest they make on their investments, a percentage goes to actual charity,
another percentage goes to salaries. So for every dollar you give to charity,
about 2 cents a year, give or take, goes to the actual charitable cause you
wanted to support. Now let’s break that down even further. How many charities
have executives making over $500,000 a year. More than a few. And let’s say
it’s a medical charity. Now most of the money is going toward drugs that cost
billions of dollars to approve. See the next point.
[See my post: A Better Way to Donate to Charity]
#6 Thou Shalt Obey
the Food & Drug Administration. What is this organization? And does it
do any good? The FDA requires that drugs go through trials to prove their
safety and effectiveness. That sounds good, right? Before you give an 80
year-old a drug for cancer, let’s make sure it doesn’t kill him first.
It costs billions
to build those trials and the FDA can shut you down at any point. Companies
raise those billions from charities and from individual investors, who usually
lose all of their money when the FDA shuts down a trial. But what’s the
solution?
Well, we have the
Internet now. We have social media. We have “word of mouth” on steroids. That’s
what technology and innovation is for. Lets get the drugs out there. We can all
see which scientists worked on them and what their backgrounds are, we can all
read the patents, we can read real-life experiences from people using the drug.
The Internet will conduct “virtual trials.” Will people die? Yeah, but people
die in FDA trials too. Will more lives be saved? Of course! Many drug companies
just give up (they can’t raise the money even if their drugs are miracle
drugs). Now they can get those drugs out there and we can really see. If I have
a terminal disease, I want the FDA to get out of the way and let me ingest
whatever I want.
#7 Thou Shalt
Always Vote. When I wrote the other day that I don’t vote I got quite a bit
of violent email. That I was somehow ruining the country. Really?
I live in New York.
So I know my vote is meaningless no matter which way I vote. And I’m tired of
voting for congressmen who supposedly represent my interests, but then make
deals with lobbyists and other congressmen for bridges to nowhere, and then get
hired as vice-chairmen of Goldman Sachs when they “retire” after years of
“public” service. I’m fine representing my own interests and I’d rather vote
directly on issues.
So why can’t I vote
on the Internet? I can read all about the issues there. I could vote directly
on bills, presidents, wars, drugs, whatever I want. If I could vote directly on
issues, instead of sending a “representative” in my place, the costs of
lobbying would go from the millions to the billions, which would deter the
corrupt lobbying industry and further give more power to the people. And then,
maybe things would actually get done in this country. In the article below I
explain why all the initial reasons for the legislative branch (as it stands
now) are obsolete. And the beauty of the U.S. Constitution is that it can
change.
[See my post, Politics is a Scam - Why I Will Never Vote Again]
#8 Thou Shalt
Choose Between Two Political Parties. We’ve basically had two parties for
the past 200 years. With occasional offshoots. I don’t believe in either party.
And I bet a lot of you don’t either. It’s all a way for a select few to push
through an agenda that is going to change constantly over the years anyway.
This is not a new opinion. Most people hate the two-party system. So let’s
change it.
Again, with the
Internet, I’d rather be a party of one and just vote for what I want on every
issue. I’m perfectly willing to read about the issues of the day and vote
directly. I don’t need to have my congressman represent me. How many ethics
scandals are going on in Washington right now? And, how many should be going on
that we don’t even know about?
#9 Thou Shalt
Recognize the Media as the “Fourth Estate.” There’s this weird idea that’s
developed over the past 50 years that the media is somehow a “check” on the
other three branches of government. This is ridiculous but people still don’t
get it.
Six months ago
everyone was panicking that radiation from Japan was going to get blown over
San Francisco. Did that happen? Of course not. But the media doesn’t apologize
for the thousands of people who got sick taking iodine pills, or who spent
weeks away from supposedly radioactive areas.
And let’s not
forget the whole “debt ceiling scare.” Every week there’s a new fear. I
obviously don’t think the media should be shut down. But there certainly should
be a greater sense of responsibility than simply scaring the hell out of people
with a new topic every. single. week. I am so bored of the “fear of the week,”
I’d rather watch Snooki all day long rather than another “fear of the week”
analysis from the pseudo-experts who are desperate for screen time.
#10 Thou Shalt
Forever Progress Toward the Frontier. My kid had to read about Lewis And Clark
this summer as she prepared to go into the fourth grade. The “frontier” is a
beautiful, almost spiritual concept. The idea that we can always expand, always
improve. For the first several hundred years after the Europeans took over
North America, we expanded into every unmapped territory. But then something
went wrong.
We’re missing out
on the more subtle points of the word “Frontier.” For the past several decades
we’ve expanded into the frontier of technology, creating everything from
computers, to rockets that go to the moon, to the Internet, and many cures for
many diseases (polio, smallpox, etc). But now our innovators, technologists,
and creators have to pay down their homeowner debt, their credit card debt,
their student loan debt. They have to vote for people who never truly represent
them and get us further and further into trouble. The government puts more and
more hurdles in front of our creators.
Who knows what
further twists and warps the American Religion will take to destroy us more
than we’ve already been destroyed. At the end of the physical frontier is the
ocean and we’re all being pushed into it.
I love this
country. But I get sad when I see all of the above. When 18 year-olds are sent
to get killed while 60 year-olds can’t get the drugs they need to survive.
Where the government and banks and even charities take all my money. Where
commercialism in its worst form conspires to take the remaining dollars of my
salary.
I’m not political.
I’m not in any party, nor do I believe in any particular political philosophy.
For me, I believe in the impossible. That change, even at a mass level, only
comes from the inside of each individual. That if each person tries to remain physically healthy, emotionally healthy, mentally healthy, and
spiritually healthy, then the country itself will rise to new
heights never seen before in the civilization of man.
A height without
mythology, without the dream of immortality, without fantasy notions of a
“better life” that turn out to be just lies. Without deeper and more
complicated mechanisms to control the masses. Where mediocrity is not rewarded
with power over the creators. I know, I’m asking for too much.
So today I’m going
to do what I always do. And it has nothing to do with anything in this article.
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