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Broke, USA: From Pawnshops to Poverty,…
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Broke, USA: From Pawnshops to Poverty, Inc.How the Working Poor Became Big Business (édition 2010)

par Gary Rivlin (Auteur)

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267998,841 (3.52)6
"A unique and riveting exploration of one of America's largest and fastest-growing industries--the business of poverty"--Provided by publisher.
Membre:thejayray
Titre:Broke, USA: From Pawnshops to Poverty, Inc.How the Working Poor Became Big Business
Auteurs:Gary Rivlin (Auteur)
Info:HarperBusiness (2010), Edition: 1, 368 pages
Collections:Votre bibliothèque
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Mots-clés:Calibre

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Broke, USA: From Pawnshops to Poverty, Inc. - How the Working Poor Became Big Business par Gary Rivlin

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» Voir aussi les 6 mentions

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Lots of great information and anecdotes. Something about it rubbed me slightly the wrong way, but I can't put my finger on it. There's no denying that this is a worthwhile, very depressing read, though. ( )
  Adamantium | Aug 21, 2022 |
Excellent, readable, and ultimately depressing story of the poverty lending business and how it helped bring about the financial meltdown. ( )
  tsmom1219 | Feb 24, 2022 |
I did like this book, but I am not rating it higher because, well, "I liked it" but I did not "really like it." It is not because the book is bad. Far from it. If a list is ever compiled of the books that must be read to understand the 2008 financial meltdown, this book has to be among the top two or three. Also, the book is required reading to understand why the poverty industry-- those who profit from the plight of the poor-- are thriving in the United States. So, why only rate it "three stars"? Because the book is exhaustive, but it is also exhausting.

Rivlin takes us on a gran tour of Poverty Inc. He covers just about every player: payday loans, rent-to-own, those tax refund loans, pawn shops, subprime mortgages and a few others I cannot recall at this moment. He delivers human interest stories, interviewing a lot of victims, but he also sits down with some of the tycoons of these companies. Though Rivlin strives to be fair, in the end, the tycoons pretty much hang themselves. As we read, it is clear that what they do is far from noble, and we are reading a tale of greed gone awry. The damage these companies caused is such that it will be felt for years. And even if you are tempted to feel bad about one of these tycoons, once you learn of their trade conventions, where they trade secrets on how to squeeze the poor even more, their lobbyists, and their underhanded tactics, you won't be left feeling too much sympathy for them.

The thing is that there were very early warning signs, signs that many people either failed to see, or they refused to see them because the money being made was very good. In the end, the companies may be bruised, but they are not totally out yet. We can only hope more education can help the poor find better options. Because in the end, these companies thrive because society and businesses have simply enabled the erosion of a solid middle-class turning it into a working poor class with no other choice than to fall into the trap of the subprime lender or other poverty exploitation merchant. Rivlin, in addition to telling the story, raises some very good ethical and moral questions that we as a society really need to consider if we want to move forward.

The book includes a good set of notes for documentation for those who may be interested in learning more. The only catch, as I said, is that Rivlin strives to cover so much that after a while reading these tragic stories of exploited people just becomes too exhausting. Add to it you may get angry (as a decent human being) when you read about these predatory lenders and their deceptions, and you have to read this book a little at a time. However, it is an important book, and I think it is one more people should read. Plus, in an election season, it may be a relevant one as well.
( )
  bloodravenlib | Aug 17, 2020 |
Interesting expose of the way various descendants of the pawnshop, such as payday advance, check cashing, prepay credit cards etc. developed and how little has been done to actually control or limit them. Also, how subprime mortgage and home equity businesses developed and what's driving them to continue. Gets a little repetitive and focuses a little too much on personalities for my taste, but definitely worth browsing through. ( )
  kaitanya64 | Jan 3, 2017 |
This is a great recent history on financial gains made from the impoverished, from payday lending, tax preparation to subprime mortgage and credit lending. It details the consequences of instant financial gratification and reveals some of the motivation behind why a consumer would subject themselves to such consequences. Regardless of the reader's income level, this book will make the reader a more aware consumer. The overall lesson, from the consumer's perspective: the majority of lenders are not on the side of the consumer. ( )
  Sovranty | Mar 17, 2014 |
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Oliver
And in honor of two extraordinary people
who passed away during the writing of this book,

Sandra Rothbart Cohen
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Daniel Sheafe Walker
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"A unique and riveting exploration of one of America's largest and fastest-growing industries--the business of poverty"--Provided by publisher.

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