One bank pissed me off due to an extremely dishonest thing they did. So I overdrafted the account to the max ($500) and left them the bill.
(Not the first time I've done something like that to someone who deserved it. I've done much, much more in some cases. Endless painful papercuts? Nope, I do not accept that.)
They weren't happy about this. I think they hit "my" "credit" with that for years. I never noticed, as I don't borrow money; the machinations of these "credit reporting" agencies are beneath my concern. They have no credit in my eyes. I don't consort with crooks, I just punish them.
> Second example: I use an iPhone because I judge it to be more secure yet I'm constantly fighting the same bugs and misfeatures that seem to never get fixed/improved.
I haven't had a phone in decades at this point. Don't want one. I refused to be tracked, monitored, or abused by anyone. And no, I sure don't give a single fuck about any of the many people (and there have been MANY) who have tried their best to shame, cajole, insult, ridicule, harass, intimidate, or bully me into getting a phone. Fuck em all.
> Your chain of reasoning is broken? Or is it your model of the world?
Maybe it's you who's broken. Why do you accept slavery? Just to fit in?
Since you're hardly the only one with a similar way of thinking, maybe we could say it's the entire society that's broken.
I simply do not tolerate the things that you tolerate.
I think theft is a poor answer - although most society accepts your rationalisation when dealing with government or big business.
Even worse is that you can't know what it may cost you in the future. My friend couldn't open a business account the other day. After many phone calls he was lucky enough to find someone that told him it was because he left that bank with an account $67 overdrawn when he was younger. That's in New Zealand: I strongly suspect he never would have found out the reason he was denied in many countries[1]. His only recourse was to use a more expensive provider (maybe $600 per year).
Please don't assume I am tolerant of abuse. I vindictively avoid some brands (and even all products from some countries).
I just often judge that my changing to a different service has costs I would rather avoid so I stick with a known evil (I'm good at finding workarounds for many niggles).
I also accept annoying papercuts because I believe all services have imperfection and flaws. Too many people count costs without balance.
What is this perfect bank you have discovered without papercuts?
[1] https://www.bitsaboutmoney.com/archive/debanking-and-debunki...
Unfortunately the link seems to contain some advertisements so perhaps google yourself to find a better source. I looked for a filetype:pdf but that didn't help me (although Gemini AI did helpfully summarise the same article).
We are definitely fortunate to live in a world with free access to information.
Unfortunately my skills at search are getting rusty.