Having been taught Special Care Counselling in college and moved on to different fields of work over the years, there were multiple instances of me wondering how could the knowledge I gained in SCC could be applied to other fields of work. Think in job interviews...
I was never involved in the world of finance. I can safely say it was never of interest to me, even if I stay up to date with the sate of the economy, mainly for it's political and social implications. The company I work for has banks and major banking corporations as clients and we work on tenders and bids for their IT contracts and their software asset management solutions. That's as far as it goes as far as I'm concerned. However it came to me to think of skilled financial advisers. Now what if one of their competencies was also that they were thought in the field of social work.
In the current financial system we deal with, it is not far fetched to believe that a state controlled bank structure could hire a different kind of banker. One of these employees' mandate would be to identify the people that are in a downward spiral of debt and have one of the newly nationalized banks buy their debt and finally stop the bleeding. From there, they could help the individual work his way out of that debt with reasonable interests rates, constant follow-up on budgeting to eventually, slowly and responsibly building the credit rate back up. A planned intervention from the ground up, made with dignity and based on personal history has the potential to significantly improve individuals and families lives.
Other private banks will not lend even an ear to the struggling man. The few people ready to lend him are plain bandits. The state tolerate doubtful pawn shops mainly scattered where poverty reigns, it currently allows credit card companies to charge 28% rates to men and women failing to consistently meet their commitments to these corporations. The racket of profiteering over one's suffering has to stop. As a society we must ask ourselves what do we want to do with people like them. Judge and shun them for not meeting their responsibilities or foster a system in which these people, thanks to the principles of decency, the common good and common sense, can be respectfully assisted back to a better financial health?
By showing care and social responsibility towards these men and women, we lead by example and can righteously and rightfully hope that they will uphold those principles for themselves in the future.
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