Taking the time...

Well, I told you...I guess it's been almost a year ago now...that I was going to begin blogging and how it's about time. Yeah, time. You can see, I haven't had much of that to share with my blog! Today's subject is going to be about where I see us all going if we don't stop "dumbing down."

We "dumb down" everything. Do you know there are warning signs on chain saws that tell us not to attempt to stop the chain saw with our hands? The sad thing is that someone had to put a warning on the saw because some idiot tried that. It's not that the idiot tried it that caused every chain saw company to have to put the warning on the saw. It's that the idiot talked to a lawyer, and the lawyer decided that there was a law suit in there some where making the manufacturer liable for the idiot's injuries. Companies are out there doing everything they can to protect themselves from suits because we are allowing idiots to dictate this country's every move. We're paying for that in more ways than one...

Another example of companies attempting to protect themselves from idiots is to have all of these company policies that make no sense - policies that allow them to hire idiots. Idiots that all they are required to do is repeat the policies like idiots so that they don't have to think for themselves... I will explain... Due to a pvc pipe rupturing in my master bath, my master bedroom carpet and the ceiling in my family room downstairs was damaged. The damage was in excess of $6,000, so I filed an insurance claim. The insurance company mailed me a check made payable to both me and my mortgage company. It used to be that the insurance company only made the check payable to the homeowner, but due to the mortgage crisis this country is in, they now include the mortgage company on all reimbursements for damage in case the homeowner owes the mortgage company money, the mortgage company can take their portion out of the funds first. I didn't owe the mortgage company any back mortgage payments, so they signed over the check to me WITHOUT RECOURSE (meaning that they would not come after me or the bank for any funds from the cashing of the check - the money was ALL MINE).

To expedite the availability of the funds, I took the check to the bank on which it was drawn - Bank of America (I bank at a small credit union - CMCU). The teller proceeds to tell me that she cannot do anything with the check that I have presented because the person from my mortgage company - CitiMortgage - has to be present with me in order to cash the check. I proceeded to tell her that I did not think that a representative from Missouri was going to come to Charlotte to be with me to prove that they signed the check without recourse. She kept repeating her bank's policy and telling me that it was to protect me. I told her that I was there with the check and my I.D. and asked her how her policy was protecting me? She couldn't answer. I asked her how she expected someone from Missouri to be at the bank with me to cash the check? She couldn't answer. Together, we called CitiMortgage. They told her that they signed the check without recourse and to go ahead and cash the check. After hanging up, the teller, and now the assistant manager, and the manager continue to repeat to me the bank's policies. I am standing there with a check that isn't worth a dime.

I tell them all that the only thing they have proven to me is that they are parrots, that they aren't capable of thinking for themselves rationally, and that policies are made so that idiots like them can be employed at banks like Bank of America.

Am I right?