The End of Bankruptcy
A San Diego Bankruptcy Attorney comments on the end of bankruptcy...
As a San Diego Bankruptcy Attorney, I am not afraid to admit my fondness for Star Trek – especially the one with the bald captain. I own the DVD set even, though I more often watch the episodes I’ve TiVo’d than the discs themselves. Fortunately a blog isn’t a chat room, so I’m somewhat insulated from hearing you laugh at snicker at me. What matters, though, is that it’s utopia – the future, that is. So, we’ve got that to look forward to, which is nice. And apparently, the future doesn’t have money. There’s no “want” and there’s no “poverty.” (I guess I’m specifically talking about members of The Federation, because the Bjorans didn’t have it very well after the Cardassians invaded). The secret, I suppose, is two-fold: firstly, matter/energy conversion and, secondly, cheap and infinite energy. Fortunately, we Earthlings are currently working on both.
Converting energy into matter, or matter into energy, is as simple as E=mc^2. In Einstein’s famous equation, matter and energy are simply manifestations of the same thing, albeit related to the incredibly large sum of c (the speed of light) squared. This is nuclear physics. A little bit of matter unleashed by a neutron cascade creates a very large explosion (think fission). Doing it in reverse is a bit tougher, requiring the management of, and control over, heat in a very confined space, only to create a small quantity of matter (i.e, fusion), but the science is the same. Master this, and with enough energy, we can simply create food and shelter and anything else we need just by pressing a button.
Happily, then, cheap and infinite energy is being studied everywhere. Fusion, itself, might present one option, but so might geothermal, wind, solar, or any of the other green energy approaches. I expect that twenty years from now we will be able to look back on this time as the “Time before _____” where the blank is some beautiful technology that’s simultaneously diminishing our need for oil while also building up infrastructure in isolated areas (I’m thinking sub-Saharan Africa).
But it’s 2010, and we’re just not they’re yet. Long ago, they put people in Debtor’s Prison. Fortunately, the practice died out around the 1850s, but that’s not that long ago. Now we have bankruptcy as an outlet. Ah, evolution. The laws which are available to those with debt housed in America (you, if you’re reading this) let us void our debt – or sometimes restructure it – by merely asking. Sure, there’s a price to pay – and not just the $299 federal filing fee for a Chapter 7 bankruptcy or $274 for a Chapter 13 bankruptcy. I mean, you can’t get a discharge within 8 years of a previously granted Chapter 7 discharge and your credit takes a hit when you file (though it is very often bad by the time you need bankruptcy), but that’s not too bad at all. It’s not prison, but it’s also not the 26th century yet, either.
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