The banks were told by the Clinton admin/dems of the 90's essentially the following: "It is every americans RIGHT to own a home, so you are going to give them loans even if they cant pay them back or we will make your 'lives' a living hell until you fucking give in."
This entire mess is a result of Clinton's economic policies, because contrary to the popular belief that clinton's presidency brought massive economic growth and prosperity, the simple fact is that presidential policies lag 4-10 years after being implemented. He was merely riding on the success of Reagan/Bush Sr's economic policies and nothing more.

On the internet speed/access issue:
If you weren't a fucking retard you wouldn't have brought it up. All of the countries that top the US in access/speed aren't nearly the size of the US, and as such their population density is much greater. It's easy as fuck to build a Fiber network if almost your entire population lives within extremely high density areas, but not a single one of those countries would be capable of maintaining the same level of network access/speed if they had to deal with the sprawling communities like the US does. Any belief to the contrary is utopian dreaming and nothing more than naivete.

Who cares if it is efficient, when all it is is the government saying 'we know how to save your money better than you do so give it to us now.' It's money that I worked hard to earn, and if I chose to invest it (assuming I was allowed to opt out/keep it) I would be able to make way more than the government will give to me when I qualify to start receiving SS benefits. And even if I couldn't, it's money that *I* earned, and the government has no place telling me they can better spend my money for me.

I personally like my dad's friends point of view with his son, who is like 4 or 5 years old. "If you're gonna be dumb ya gotta be tough." One instance of this is we were all underneath my car while looking at the exhaust (he had a barn with a 5 foot drop off behind it that he setup 2 tracks for a car to back out over for work under the car) and the kid reaches up and touches the exhaust efore anyone can say anything and he yanks his hand back and says "ow thats hot" to which my dad's friend says "Damn right its hot, bet you wont be doing that again will you?" and the kid shook his head quite hard while saying no way. In my opinion, kids today are too babied and just not ready for the real world.

How the hell does McDonald's bear responsibility for what a private citizen chooses to purchase and consume willingly knowing full well that greasy fatty foods are bad for your arteries/heart? That's just as ridiculous as all the people who cried that McDonald's made them fat.

And just think , if the parents had done their job and protected their little girl from a situation that was extremely harmful to her mental state (whether or not the 'boyfriend' was real or Lori drew means nothing when a high school boy could be just as bad x10000, on top of the fact that her parents, or at the very least her mother, knew exactly what was being said in the messages the two were exchanging and even had fights with her about that as well as her daughter's refusal to get off teh computer when she was told) then none of this woul dhave happened. Everyone cries THINK OF THE CHILDREN OMFG!, but no one is ever there saying 'Where the fuck were the parents?'

Too bad the economic boom that occurred during clinton's presidency occurred entirely due to Reagan and Bush Sr's economic policies. Anyone who has an ounce of knowledge to economic matters understands that presidential policies affect an economy 4-10 years down the road, and Bill Clinton and the Dems in the 90s are the direct cause of this economic meltdown. Shit, if not for Bush's tax cuts in 2002, we'd have been suffering even worse a few years ago than we are now.

Now why exactly should I give my hard earned money to the government to 'hold onto' for me until I reach retirement age? Why can't I opt out and spend / save the money as I see fit?

What gives you the right to tell another person how they should spend THEIR money that THEY earned? If you wanna donate money, by all means do it, and if they want to then good for them. If they want to hoard it, good for them as well, as it is their money.

How is a full loot, FFA PVP, kingdom building game which is entirely skill instead of levels, allows freedom to do anything you want, as well as being FPS (TPS for melees) just like WOW?

Sounds like Darkfall is the game you're looking for. Closed beta finally just started recently, and they're going to move swiftly through open beta (open is just going to be a huge stress test really) and all reports from those in beta are that it's everything darkfall is made out to be and then some.

I'm waiting to see how awesome Darkfall is. Yes, lots of people still claim it's vaporware, but closed beta has actually started finally, and all reports (official and not) are that it's everything they claimed it would be and more.

The reason teh economy is in such a mess right now is because of Bill Clinton and other democrats during his presidency pushing for bullshit such as 'every family has a RIGHT to own a home, and you banks better loan them moniez for it, and we dont give a fuck if they cant pay it back, otherwise we will rape you into oblivion with regulations and the like.' Clinton's presidency saw such economic growth as a direct result of Reagan and Bush Sr's economic policies.

If ou had a clue as to how cable internet works, you would know that current protocols max out at 100MBps over a single line, so no it's not over subscribing, it's the fact that unless you live next door to a hub, you cannot possibly get the full 3-4MBps access.

You aren't paying for a 3meg line, you're paying for a line that can go UP TO 3megs. If every single internet connection was always working at full speed, the internet in the US would crash within 2seconds.