Violation of copyright through digital piracy (e.g. Pirating software, movies, books, etc.) or Predatory Lending?
Predatory lending is where a person intentionally loans money to someone who would have a difficult time paying it back. They do this so that they earn the maximum interest back and charge stiff penalties for late payments.
Some people believe that digital piracy isn’t actually theft since they are not denying the property to it’s rightful owner. It is illegal.
Predatory lending robs the poorest of the poor, keeping them indebted for long periods of time. It is legal in most states.
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11 Responses to 'Which is these is more morally wrong than the other?'
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predatory lending is worse
Piracy is the direct result of industries not listening to the consumer. I say rip, burn it and steal it
Predatory lending destroys:
-people’s credit
-families
-lives
Piracy is a crime, but predatory lending is worse.
I personally think predatory lending is the worst of the two.
I don’t have a lot of sympathy for people who are ‘victimized’ by either. On the one hand, modern copyright laws are insane, and those who are ‘hurt’ by piracy are mostly exploiting those laws in unethical and amoral ways, already. On the other, nobody is ever /forced/ to take out a loan…
Both are wrong but i think that digital priacy is the lesser of the two evil…….predatory lending is inhuman as you know right from the start that you are hiding behind the fact that you are helping them ….when actually you are helping them to create more trouble right from the start
Predatory lending robs the poorest of the poor, keeping them indebted for long periods of time. It is legal in most states.
That is just absolutely horrible I believe!
The biggest problem here is that a contract is a contract. As early as the 1800’s the US Supreme Court ruled that a contractual agreement cannot be infringed by federal law, because in order to enter into a contract each person agrees that they are aware of what is in said contract. As a result, when you take out such a loan, you agree to the contract you sign, to pay back whatever amount is asked. You aren’t forced to sign the contract, and so the government doesn’t have a right to intervene.
Concerning digital piracy, it is theft of copyrighted material. Copyrighting involves forming a contractual agreement with the United States, which means that the government has every right to intervene if the contract is broken.
I see most people think predatory lending is worse. I’m not sure that’s correct.
Copyright violations are done without the knowledge or consent of the victim. Predatory lending is different, the “victim” usually comes to the lender, and at least has an opportunity to know what they are getting into, whether they take advantage of it or not. In fact, there’s a significant risk on the part of the predatory lender of being the victim, as many of them learned in the past twelve months.
I would go with predatory lending as being more morally wrong.
If we’re talking morals here, then the answer is robbing the poorest of the poor aka predatory lending. However, the fact is Digital Piracy is illegal and although God might smite you for discreetly stealing money from the poor the truth is the cops will get you for illegally pirating software, etc. Predatory Lending may rob the poorest of the poor; however, it is an agreement between both parties and as the saying goes…The rich get richer and the poor most definitely get poorer. Besides, aren’t all banks doing the same thing? When they grant you a mortgage to buy a house, they are basically saying we know you can’t pay us back right now, we’re going to charge you high interest rates, and well hey if you lose your job or become financially unable to pay us within the next oh 40 years of your mortgage term, well we’ll take your house away from you because we bought it.