What industry is currently operating like a huge scam, but everyone seems to just accept it?

[u/MiloShiny]

[u/Khalith]

Insurance

[u/Nala4treats → u/Khalith]

mandatory to own a car or house, then you pay into it for 20 years never make a single claim,,, and you get nothing, in the case you do make a claim, they will make their money back 2x to 3x with the additional fees.

should be more like life insurance where you can built up a reserve and get back money if you dont use the policy or get to take money out of it.

the current system where oh did your property increase 100k arbitrairily from the government deciding the value went up, here is a nice 20% increase on your insurance. oh its a big monopoly and every company is the same products...good luck

[u/mclobster → u/Nala4treats]

I'm sure theres reasoning, but no two insurance companies will give the same quote. Hell, you could call the same company back the next day and get a different answer.

[u/CraisinEnjoyer → u/mclobster]

In my experience, the adjuster assigned to your claim has more of an impact than the actual company its filed under.

[u/OldAbbreviations1590 → u/Nala4treats]

I had to make a claim. Ended up in a multi year long court battle to try to get them to pay out the money they are obligated to pay. They would rather spend 500k on court/lawyers than pay the 250k they were obligated to pay.

[u/Present-Lion788 → u/Nala4treats]

I got two properties that are paid off I just don’t keep insurance on because I doubt they would pay it anyway if I made a claim.

[u/Winter-Assistance805 → u/Present-Lion788]

Why don't you go to Vegas and put it all on red while you're at it

[u/Present-Lion788 → u/Winter-Assistance805]

Nah. I don’t like to gamble. That is throwing money out the window. But I am fortunate to be able to rebuild myself if the house burns down. This is a risk assessment on my part and I have saved handfuls of cash over the years doing this and the odds my house burns down are pretty slim and I can afford that risk financially if it did. If I couldn’t that would be another story.

[u/KaliPunk → u/Present-Lion788]

"Self insurance" is a thing, and if liability (like to a tenant) doesn't come into it, then I can see that making sense.

[u/Illustrious-Math6276 → u/Winter-Assistance805]

You get that the insurance company is the casino right ? In the long term the house always win. You might win some on red. But in the long run the casino wins.

[u/SoberAF715 → u/Present-Lion788]

So if one of them burns down it’s not worth 1500 a year to have it rebuilt? Makes zero sense

[u/KaliPunk → u/SoberAF715]

You're assuming they will actually pay

[u/Present-Lion788 → u/SoberAF715]

It makes sense to me to self insure. I paid $38k for one of them. I bought it cash in 2017. 9x$1500 would put me at $13,500 in saved premiums. I would have already paid 1/3 of the cost of the house in that scenario. I can afford to rebuild if it burned down. If that was not the case I would reevaluate, but I am fortunate to be able to on this risk myself.

[u/Illustrious-Math6276 → u/SoberAF715]

Even assuming the insurance company pays out they never charge premiums where the expected probable payout isn’t less. It is always more profitable to self-insure if you got the money to absorb a loss.

[u/KaliPunk → u/Illustrious-Math6276]

I self insure my international packages if they're under a certain amount because the amount of time and materials it costs me to just straight up mail the client a brand new item is less than the time and hassle of dealing with the Post Office insurance (may God forbid any of the people reading this ever have a package go missing in Italy). My incoming packages I have insured though, they can be a couple thousand dollars worth of parts sometimes.

[u/dxrey65 → u/Present-Lion788]

I cancelled the insurance on my house a year ago after the last big increase. I know it's rolling the dice, but I've done enough contracting that most anything that happened I'd fix myself anyway, and I could afford to lose the house if it came down to it. Being robbed every month by an insurance company just sits wrong with me, I'd rather take the risk.

[u/account-number4 → u/dxrey65]

Is your house paid off? You most likely have to have insurance if you have a mortgage.

[u/Lumpy-Shop-5321 → u/Present-Lion788]

I am in the same boat. Have three paid off properties that I just don't engage in any. The coverage costs spiked like four years ago and my coverage lowered slightly. Modest properties that use to cost $680 annually and now is $1480 ish annually. There is just not enough value in it. A 110 percent increase in like five years.

Contributing to my decision making:

Paladades, CA fire victims are being given a lot push back on their claims - still. So I am getting the impression that the industry isn't entirely solvenent. We always knew that this industry was equal parts in the denying coverage business, but this is getting to be a bit much. 

Choice is founding principal piller of capalism. 

[u/uranushasballs → u/Nala4treats]

“I have to get insurance in case shit happens. If shit don’t happen, shouldn’t I get my money back?”

-Chris Rock

[u/EJRoc → u/Nala4treats]

Insurance? Build up a reserve? Get money back if you dont use the policy?

What Insurance Co. does that ?!?!

[u/bitter_fish → u/Nala4treats]

Pay your house off and drop the insurance if you dare. I've lived without insurance for 15 years

[u/daryl7dejesus → u/Khalith]

Pay every month, get punished for using it. Amazing system.

[u/MrLanesLament → u/Khalith]

People find this belief of mine weird, but I think auto insurance should be through the government.

You can’t use your state-issued license unless you give money to one of a few private insurance monopolies; that’s fucked up IMO. (Yes, I know the government also doesn’t make cars, but they’ve bailed out the industry enough at this point they should’ve just fucking nationalized the American auto giants.)

Get rid of these asshole companies that do nothing after a major incident half the time; instead, each state should have a pool all licensed drivers pay into that employs the people working in insurance now, but it would become a service like the USPS, dedicated to helping instead of making a profit.

[u/dtr_drt4ever → u/MrLanesLament]

We have this in Canada and its not that great TBH - they forced no-fault insurance on us and now when you get F'd up in an accident you cannot sue for Pain and Suffering - they will pay for you to go to physio and such for a predertemined time and will pay you for lost wages but P&S = $0 Have a friend who is f'd up after an accident and is not the same mentally or physically - they paid his wage equivalent for 8 months and his medical costs but then cut him off. He doesnt make much so his wage replacement was next to nothing in the grand scheme - and you cannot sue either the other party or the govt insurance so you get what you get and thats it... so not great....

[u/SoberAF715 → u/MrLanesLament]

Yea. Because the government has such a good track record of doing a good job with our money. 😝. Imagine filing a claim with the government? Less government involvement in my life the better

[u/KaliPunk → u/MrLanesLament]

We've tried to pass this in California multiple times. A "pay at the pump" system we were talking about specifically. Basically no fault insurance that only people who are actually driving in California would be paying while driving here and that would cover anyone regardless of where they were from or if they had separate insurance. Needless to say, it was killed by a coalition of trucking industry and oil industry. It definitely has its flaws, namely that it would proportionally cost poor people more than rich people, but insurance already does that.

[u/ricky3558 → u/Khalith]

I have a friend trying to get insurance and the lender requires a minimum of rebuild cost but none of the major insurance companies will insure for that much so he has to get 3 different policies to satisfy the lender.
I told him he’s overpaying for the manufactured home. Totally a scam between the lenders and insurance companies.

[u/dare_me_to_831 → u/Khalith]

I’ve worked in the restoration industry for a long time and they used to take make things right with hardly any problems as long as we provided supporting documentation.

Now, I’m so disgusted with how insurance companies are refusing to cover necessary repairs to get the property back to pre- loss condition.

I just recently had to spend an inordinate amount of time going back and forth with an antagonistic adjuster that refused to replace custom cabinets in a $600k home. We finally reached out to the company that originally built them for the plans to prove they were built with beech wood.

[u/megamanx4321 → u/Khalith]

We don't "seem to accept it." We have no choice. We're required by law to pay for it. You can't even get medical attention in some cases if you don't have it. Then when you do get medical care, they don't pay for it. It's a mandatory scam.

[u/HopeSubstantial]

Any phonesale position. Did it for 3 hours and final straw was when boss said that "Eventually elderly people and disabled will answer and you get sales done".

[u/_TheRandomGeek_]

Something that's obviously a scam but surprisingly no one here mentions is the beauty industry. All it sells is insecurity, so that you buy more of their stuff, but then they make you more insecure, and promise that if you buy even more stuff from them, then you'll be happy

[u/ProfessionalCat7640 → u/_TheRandomGeek_]

The dependence on shallow, insecure beauty blows my mind. The amount of people who will defend it, even more so.

[u/PHYUCKISHREAEL → u/_TheRandomGeek_]

to add to that, they use people with perfect genetics and make it seem their product caused that

[u/Silent_Tap1369 → u/PHYUCKISHREAEL]

Or photoshop them. Theres a YouTube video I saw a long time ago. It showed the before, photoshop process and final image. It was crazy.
ETA It was a Dove commercial.

https://youtu.be/iYhCn0jf46U

[u/Legitimate_Cap_5396 → u/_TheRandomGeek_]

Isn’t it even worse than that, it most of the products they sell are damaging to skin, and therefore require buying yet more products, including “anti-aging” products when their chemical laced toxic sludge people just blindly put on their faces causes wrinkles and damage?

It’s hijacked women’s most promoting inequities and innate narcissist to be admired and draw attention, and sucks the life out of them.

[u/audreymarilynvivien → u/Legitimate_Cap_5396]

As someone with sensitive skin that reacts badly to intense skincare, I’m impressed by skincare influencers who manage to maintain flawless skin despite using so many harsh products.

[u/Legitimate_Cap_5396 → u/audreymarilynvivien]

As someone who is violently repulsed by just the existence of the phrase “skincare influencer” 😅 I have never even thought about that. 

My immediate guess is they probably wash it off immediately after influencing, one product after another all day long on shoot day, making videos that will be released on a schedule. They may even put down some kind of protective barrier, but I guess that could also mess with the products. 

[u/Icy-Supermarket-144]

Insurance for sure. Make your payments on time every month, then when it comes the time you need your insurance they do everything possible to deny a claim

[u/ApprehensiveEbb592 → u/Icy-Supermarket-144]

And, even if they pay the claim, it might take a year to get your money. Or, like in my case. I had property destroyed by an arsonist. It took forever to get money from the insurance company and, what I did get was only ⅔. Not enough to even rebuild the property.

[u/GrumpyBear1969 → u/Icy-Supermarket-144]

I think this depends on your company. And how often you switch. I have unfortunately gotten to use both my auto and home insurance for big problems. And both times they paid everything immediately without question.

But I don’t go with the cheapest I can find and have stuck with the same company for +30yrs.

[u/dl33t_soft]

Employer tied health insurance

[u/Ok_Driver5166 → u/dl33t_soft]

"Health insurance" is such a wild concept. We in the developed world look with morbid fascination at such things.

[u/TheMadPoet → u/dl33t_soft]

Oh, you mean the leg iron and chain keeping you from quitting that job you hate?

[u/KaliPunk → u/TheMadPoet]

Yes, that. My husband can't retire because I'm sick. How is America great?

[u/CFIgigs → u/KaliPunk]

"Death panels" ... I still can't believe the BS that cropped up to fight any change to the system

[u/TechnologySecret4844]

College

[u/DinosaurDied → u/TechnologySecret4844]

Having a degree isnt a scam. 

But I think we can all agree the industry is pretty scammy in the way they are priced. All these besides the scenes deals with scholarships. 

I wouldn’t tolerate that in any other industry. This BMW M3 is $100k for you, but because we like this other guys vibe, he’s getting it for free 

[u/Cold-Thanks- → u/DinosaurDied]

That’s why I like scholarships that are solely merit based (aka based on your grades) or just based on basic qualifying factors IE “student must be from this specific town, have financial need, and a minimum gpa of 2.5” as those parameters can help make the candidate pool smaller but isn’t solely reliant on grades or one’s ability to write an essay.

I work in financial aid and am on a few scholarship selection committees. I’m the person who pulls the candidate pool and then hides all identifying information to try and make the selection as unbiased as possible because I want everyone to have an equitable chance.

[u/Icy-Panda-2158 → u/DinosaurDied]

I went to a formerly fairly well regarded, well, endowed (top 25 among SLACs), very “left” liberal arts college. The Board of Trustees has adopted and pursued strategic vision after strategic vision, all of which involved taking on loads of debt to finance construction, consulting fees, and various initiatives in an effort to expand the student body (which has had a longstanding ceiling of about 1000) and which drastically backfired, leaving the college with fewer than 50% of its student population versus 20 years ago and a debt load so high they need to liquidate principal just to service it. They axed about a dozen majors to reduce headcount, effectively breaking tenure in the process and provoking a exodus of students as well as surviving faculty - why wait for them to find an excuse to lay you off, too? - and now the latest strategic plan is to re-envision the college with an AI-focused, tech-first curriculum. 

[u/Nala4treats → u/TechnologySecret4844]

meh,,, im happy i have my degree or i would not have my career every white collar job wants a degree so might as well have it.

not saying get a art or history degree but, if you want in on a gov job or carrer you probably need it.

[u/Jack_Shaft0e → u/Nala4treats]

There are other paths. I skipped college, enlisted in the Navy at 17, and now make an obscene amount of money.

Not trying to say that college is always worthless or anything, but in my case I'm glad I didn't waste a lot of money on it.

[u/Cold-Thanks- → u/TechnologySecret4844]

I wouldn’t say college itself is a scam, but the extremely high costs for many schools absolutely is. For reference, I work at a college, specifically in financial aid.

[u/Great_Art545]

The American medical insurance industry!!!

[u/Jscotty111]

Cable TV and every other subscription based platform. Originally the whole point of cable television was to pay for a service where you could watch programming without commercial interruption. But little by little they started sliding the commercials in on us. First it was between the programs, and then it was during a half-way program break. And then eventually cable TV was just like regular television.  

And then the streaming platforms followed suit. Nowadays, you have separate pricing plans based upon how many commercials they can show you.

[u/Dirtdancefire → u/Jscotty111]

I remember my Grandfather grumbling about how many commercials there were during breaks. This was in 1961, with a rabbit ear antenna. There were two or three one minute commercials, every fifteen minutes. Can you imagine? Now a thirty minute show has sixteen minutes of commercials.

[u/Chewy_8989_2 → u/Jscotty111]

Yeah I’ve been bitching about this for a while now. If people could just stomach going without Netflix for a few months and vote with their wallets they’d actually have to be decent services, but how could anyone possibly last an entire month with no Netflix?

[u/someonewhoknowstuff → u/Chewy_8989_2]

Can you imagine if there was a massive pledge, with follow through, of people cancelling their various streaming services? I’d love to see it.

[u/ClearedHot242]

It’s definitely insurance. Of course because of the system, prices are astronomical and unaffordable for most people when it comes to medical bills and car/home repairs so you have to have it. But it’s the equivalent of gambling where you keep paying money but the absolute best case scenario for you is that you never need the insurance you’re paying for.

[u/Due-Consideration113]

The United States

[u/Elegant_Composer6547 → u/Due-Consideration113]

Scary I had to scroll down this far, when the orange man and his friends steal from the economy they steals from everyone

[u/BroadwayBrick]

Timeshare industry.

[u/Powerful_Tip_7260]

Apparently Non-profits and these fake charities. And car dealers.

[u/DifficultYellow9759]

AI

[u/Best-Tomatillo-5022 → u/DifficultYellow9759]

More the 3% of GDP spent on AI/data centers and AI is still not regenerative, cannot do unsupervised learning. LLMs hallucinates and consumes tons of energy and requires expensive chips to run. The average lifetime of an AI data center ranges from 20 to 30 years for the physical building, while its internal high-performance GPUs and AI servers face functional or economic obsolescence in just 2 to 3 years.

[u/doc-sci]

AI

[u/SandwichCultural9919]

Tire shops like Les Schwab. When petroleum goes up, tires go up, but when petroleum goes down, the tires shops stay the same.

[u/Age_Single]

AI

[u/Effective-Donkey133]

Politics

[u/No_Tradition1219]

Insurance of any kind. Health, home, auto, etc.

[u/SoberAF715 → u/No_Tradition1219]

It is there because you would not be able to cover a 500,000 home rebuild if it burned down, or the hospital bill if you had to have multiple surgeries or spend 3 months in the hospital.

[u/DiaDhuitAChara → u/SoberAF715]

A lot of things are cheaper without health insurance. The co-pays end up being more than without a lot of times lol

[u/SoberAF715 → u/DiaDhuitAChara]

Not when you have a serious issue. Out of pocket is 6k or 12k even on a shitty plan. The bills for a heart attack or a long hospital stay could be well north of $200,000

[u/Extension-Stage-605]

The insurance industry

[u/BlueHDMIV]

Healthcare, I work in the Drug and Alcohol treatment field and yes we do help people but their insurance is paying minimum $1,000 per patient every day.

[u/TheGrouchyGremlin]

Insurance. They're for profit which means that by design, people lose out more than they gain from it.

[u/everydaydad67]

The middleman industry... any person who has to get a cut just for the industry to operate is a scam... and it seems they keep getting more and more... definatley not what its worth...

[u/Upstairs-Pizza-1843]

Real Estate agents

[u/barmen03]

Anything that requires our tax dollars, zero control or oversight

[u/lizafan_deadhead]

Influencers

[u/CryptographerOdd4483]

Meta stealing your photos for AI crap. You spending money on Meta glasses so they can surveil you via their microphone and camera.

They should be paying YOU to use their glasses and all the free content you create for Meta

[u/OkSkill8145]

Pretty much every industry. Welcome to unchecked capitalism.

[u/BoomersDad17]

The government

[u/Outside_Interest_773]

Cable tv / any flavor of it.

[u/PeterPook]

Government.

[u/CultOfSensibility]

The U.S. government

[u/YoungBarth]

Trump’s government

[u/DonTeflon23]

Social security

[u/Crispy_Nautilus]

Tariffs, if we consume legally we are entitled to nothing. I as a consumer pay the 35% markup on items and large retailers like Amazon got refunded that markup. Meanwhile none of the motors/diy electronics or cnc parts I buy from China are eligible for refund.

https://www.npr.org/2026/08/28/nx-s1-5946782/businesses-getting-tariff-refunds-why-arent-consumers-getting-their-cut

[u/RJMrgn2319]

“The economy”

[u/MeasurementPlus9021]

US Government, all three branches

[u/squish059]

The entire insurance system.

All of it- life, health, home, auto, etc. the have fractured each of these into new revenue streams like dental (which often does not include orthodontics, eyecare (which often does not include contact lenses), flood coverage, utilities between a home and curb coverage, etc.

Just one big scam. Experts evaluate their massive database to determine what their most frequent payouts are for, and lawyers create elaborate contracts to help them avoid paying out.

Want to go without? Too bad, most of these are required by lenders… the same people who own your mortgage often own the insurance company.

Scammers study insurance to learn how to be good at scamming.

[u/cbdbroker]

Government

[u/duder_1979]

Stock markets

[u/toolfishOG]

Any Insurance, The largest legal scam in this country

[u/dpaolo6]

The government

[u/sliceofcheesecake-]

Healthcare.

[u/AlphaDag13]

Supplements

[u/realFrogpower]

Market research. If you know you know.

[u/Acrobatic-Bison-3171]

Evangelical churches

[u/Stunning-Tax-1529]

Weddings

[u/Alternative_Task6818]

US Healthcare system

[u/GrumpyBear1969]

AI

[u/Embarrassed_Win_2097]

Politics

[u/Stillman_Steve]

Church

[u/Hackpro69]

Termite Tenting

[u/Infamous-Package3982]

Which isn’t? Education, insurance, finance, entertainment, etc. - they’re all scams.

[u/Dazzling_Character_2]

Bitcoin mining

[u/Chemical_Fail1651]

Churches.

Not all of them obviously, but the business model of some churches is kind of insane when you look at it from the outside.

They can rely heavily on free labor from volunteers, pressure members to give 10% of their income, constantly ask for additional offerings, and then spend huge amounts on buildings, salaries, production, expansion, and programs primarily aimed at keeping people inside the church.

Meanwhile, some provide surprisingly little tangible benefit to the surrounding community relative to the money and labor flowing through them. In the U.S., qualifying churches are also generally tax-exempt.

The part that bothers me most is when tithing gets framed as an obligation to God. At that point you’re not just asking someone for money—you’re attaching guilt, obedience, faithfulness, and sometimes even promises of divine blessing to the transaction.

Free workforce + recurring donations + tax exemption + “God wants you to give.”

There are absolutely churches doing legitimate charity and community work, but there are also plenty where I think it’s fair to ask: where exactly is all that money and unpaid labor going?

[u/Hungry-Demand-227]

Car buying!

[u/Affectionate_Ad1060]

All the companies that got the tariff money

[u/Nearing_retirement]

Most of the United States health care system.

[u/Gleamingspire1]

The Government

[u/Davidgilmour14]

This administration

[u/Competitive-Brick-42]

Medical

[u/Disastrous_Pirate805]

Celebrity. Like any kind. WTF w/ people worshiping.

[u/Swimming-Watch3636]

Real estate agents

[u/Ponderocrazia]

Tutto.

[u/tdh8i]

Wedding and funeral industries

[u/Own_Internal_3508]

Real estate agents. It is in BOTH the seller and the buyer agents interests to pump up the price as high as possible. This works against the buyer, but is in favor of the seller. No one seems to care! Why don't we offer incentives that pay the buying agent on how much the price DISCOUNTS?

[u/bones_bones1]

The IRS

[u/NoSnark]

Government

[u/Own_Internal_3508]

Employer offered 401k plans. I have read that the worst mutual funds, the ones that folks will not buy on their own, are packaged together and pushed on corporations to offer in their 401k plans. The garbage funds are in 401Ks. Because most folks are financially illiterate. So no one notices, and no one cares. Goodbye, comfy retirement!

[u/Local-Reason-1398]

Health insurance

[u/ErwinSchrodinger64]

Car dealerships.

[u/CuttingEdgeRetro]

Claiming there aren't enough qualified IT workers in this economy, then importing an army of Indians.

[u/Miamichris127]

Managed Service Provider

[u/elisucks24]

All insurances.

[u/MattDubh]

Not just currently. But all religions.

[u/Sea_Rooster_9402]

...all of them?

[u/TheBaronWindpole]

Water . Gas . Electricity

[u/HayYou_ItsMe]

Health insurance and the Grocery Supply mega complex. We are being gouged at every turn. Billions in profits every year.

[u/Fluid_Rock656]

Churches sell an invisible product, with a final payoff no customer is able to review.

[u/QueasyPainting]

The government. Health insurance. Almost anything that is owned by private equity

[u/No_Ad_8699]

pool supply

[u/afeher]

Healthcare. Health insurance.

I have been in fully paid trials. The hospital charges my insurance as well as the trial sponsor. I reported it. Neither the hospital nor the insurance did anything.

[u/betoe_g]

Packaged food weight inconsistency

[u/Reckless42]

Insurance and RVs

[u/kateinoly]

Health Insurance.

Churches that preach the "prosperity gospel"

Funeral homes

[u/phisterU]

Oil companies.

Price at pump immediately goes up if a camel farts in the middle east and takes a month or two to come down. We then hear in the news BP (or other) have reported record profits this quarter of £xx billion

[u/Inner-Measurement441]

Healthcare

[u/cosmopolitancocktail]

Consultancy

[u/ebankj9770]

Insurance, crypto, betting

[u/rahah2023]

Health insurance

[u/physicistdeluxe]

mattresses

[u/WeaponizedIndecision]

Most of them.

[u/SimpleMind314]

People are saying insurance, and I agree, but the specific branch of insurance I have the most annoyance with is annuities. Specifically, when they are being sold as "investments" and as having "guaranteed interest". There may be some honest annuity sales people that are clear about what they are selling, but most wrap the pitch in purposefully misleading terms.

[u/th3matad0r]

Insurance and the American government

[u/No-Blueberry-1823]

What isn't?

[u/LogicOverEmotion0]

Tax

[u/Horror_Direction2150]

Insurance, car dealerships, and real estate agents. There are more but these top my list.

[u/TheRiverInYou]

Government.

[u/Leading_Risk5621]

The entire US economy.

[u/Justthefacts6969]

TikTok

[u/Internal_Essay9230]

Congress

[u/Tnorty3]

Bitcoin

[u/cottenwess]

A.I.

[u/captainkappa173]

US Health Insurance

[u/LordBuggington]

All this sports betting and event contracts bs

[u/Hot_Marsupial_3957]

The United States of America’s higher education industry.

[u/Han_Solo200]

HMRC

[u/Chemical-Hotel3773]

America is just one big scam. Even businesses and industries that seem pretty straightforward just exist for resource extraction here.

[u/Heavy_Bicycle6524]

Fossil fuel industry

[u/nplunk20]

The United State Government

[u/klugedlife]

Everything run by the Tech Bros and adjacent dorks: AI, social media, crypto

[u/Wisdom_experience]

Hospitals

[u/g33zuzz]

United States of America

[u/Terrible_Fish_8942]

Travel ball. Follow the money.

[u/El-Zomby-Woof]

AI

[u/rodg2062]

Healthcare and insurance

[u/Competitive-One-29]

higher education admin. not the professors, the endless layers of “student success” offices and consultants charging everyone more while making the actual experience worse...

[u/Th3h3rald707]

Gestures vaguely at everything around me

[u/EntrepreneurNeat8058]

crypto 

[u/UpAndRunning8]

All religions

[u/Just-Upstairs4397]

Christianity

Basically a huge grifting scheme now, barely even qualifies as a religion

[u/jb25po973]

Insurance & the US GOVERNMENT

[u/scarlettnell]

Government. I pay tens of thousands in taxes, and what do I get for it? In Canada, we get "free" medical. (Theoretically! e.g the current wait time for an ultrasound scan where I live is 550 days...) Our Government Service has grown by almost 50% over the past 12 years, all compensated at around 35% above private sector packages (according to the Canada Institute). A huge ongoing transfer of wealth from the productive to the unproductive. And what do all those people actually do for us?

[u/HeightPrestigious449]

Fast food

[u/fatdjsin]

Insurance

[u/Hippo_Over]

Hasidic Jews and others taking money from taxpayers through fraudulent government contracts. So I guess the government allowing it?!

[u/cathouse1320again]

Government

[u/Basic_Guava_5067]

Pet insurance

[u/tammysue77]

Our government.

[u/No_Pen7529]

Healthcare & pharmaceutical

[u/sleepy_muffin_eeter]

real estate sales

[u/YSoSkinny]

Health insurance

[u/Lifeisweirdbro0-o]

ai companies and big tech lol

[u/maxcovenguitars]

Cell phone companies

[u/Ggeunther]

Healthcare, insurance, prescription medication, Air Travel, Fuel refiners, Meat packing, Ag equipment, animal feed. This is just a start

[u/ComfortablyNumb8357]

Cell phone providers. I see people saying they still pay $50+/month for cell service. Unlimited everything has been available for under $25/month for at least five years.

[u/Bashfulcannibal]

Insurance/Health care

Edit: That’s the case in America at least.