patrick.net

AmericanKulak says

Yet with Credit Cards... and Credit Cards alone...

True, but then the alternative is to have a different credit card for each state you make a purchase in. Just like a Peterbilt in days of yore had a separate license plate for each state that driver operated in.

Always easier to just pay the toll and not spend your life in court. Because the courts in USA are no longer law courts, but administrative courts of the Crown, you could declare yourself a sovereign citizen of your state and disavow your DC corporate imposed identity and demand a proper law court of the Republic.

In some instances, if the 'administrative judge' knows the law, he will simply leave the court room to allow for a currently non-existent 'law judge' of the Republic to take over jurisdiction, basically ending your case because a judge of jurisdiction of the Republic hasn't been appointed since 1860's. This has been done successfully by some brassy litigants and the judge has literally just said nothing and left the court room. The 'administrative judge' can do nothing if you do not submit to his authority and jurisdiction if you are a sovereign citizen and demand such.

This 'consent' is usually obtained in covert ways with the procedures and even the cooperation of your lawyer, an agent of the Bar and thus the Middle Temple of the Inns of Court in the City of London.

However, it much more likely that the non-jurisdictional 'administrative judge' will just use prison, browbeating, fines, arrests, and endless legal bureaucracy and lawfare to hound you into compliance.

HeadSet says

True, but then the alternative is to have a different credit card for each state you make a purchase in. Just like a Peterbilt in days of yore had a separate license plate for each state that driver operated in.

The credit issuer can just tailor the contract to the state. If insurance companies and banks can do this... it can't be too hard for a company that primarily deals in unsecured loans

It might mean Shaniqua with the $30k job at Target doesn't get a $5000 limit credit card at 29% and less Shein XXXL lingerie dropships from Wuhan. The country will survive. The 2nd/3rd order effect is that many services and goods that have too much pricing power due to the glut of credit have to pare back prices, which is better for wiser spenders and savers.

At the very least they will have to spread the bribe money around beyond 2-3 states.

The problem with CA is that they blind their leftoid sheep with "great ideas" for consumer protection but really just abuse the funds and release a law with 1000s of loopholes which protects nobody. Case in point the "illegal" debit card surcharge bill (from 2024). Great idea and I would totally support it since debit card transaction fees are close to zero compared to credit card transactions fees and are supposed to be "like cash". They left the loophole for companies to call it a "processing fee" necessary to "operate the service". So almost all (excpet for finix and helcim) keep charging 3% per DC transaction while costs are a fraction. Another bill not worth the paper.

Thanks for the sausage making insight on the bill.

One big scam is State Insurance Commissioners or whatever. They basically do a dog-and-pony show where the insurers make an super ludicrous request, the Commish says "no increase", and they agree to some consumer fleecing amount slightly less than what the insurer asked for. All loopholes. NJ is infamous for this kind of bullshit.

The solution to insurance is to make it optional. Then whammo presto! Like an invisible hand, coverage improves, deductible amounts hit the floor, and the premiums collapse.

When it's mandatory it's all a big baloney show where the insurers pretend they're hanging on for dear life while chortling all the way to the bank, waiting to cancel policies at the next hurricane or flood and coming up with the next BS about how deductibles have to go up thousands because the can barely afford another big conference in Honolulu for the top account underwriters and a YUGE dividend to Buffet with preferred stock to stay in business.

AmericanKulak says

The credit issuer can just tailor the contract to the state.

State based on residence address, like how insurance for house and car is done? A lefty state could pass laws limiting merchant fees or put limits on unpaid balance interest rates, and thus a traveler to other states may find their card declined.