1eclecticwriter

Three AM is not the best time to be awake, when a good night’s sleep is needed in order to have the energy for the next busy day. But three AM is when, on some nights, my inner self alerts my mind to what it is misperceiving, or not giving sufficient attention to, with subsequent unaddressed emotional stress further depleting my already age-limited energy. My most recent three AM wakening first brought out a well of anger at banks for forcing abandonment of payment by check, through outrageous fees for using checking accounts as they were originally designed to be used – to pay monthly bills, for non-local purchases, and daily expenses when carrying much cash is putting oneself at risk.

Apparently we are now supposed to set all regular payments as automatic withdrawals from an account. I have already experienced the humongous hassle of trying to stop one of those when it is no longer appropriate, and swore I would not go that route again for anything less than a gun to my head. A few current monthly expenses are paid by direct withdrawal, but only as I initiate them each month – nothing automatic. And every time I do provide account information online I cringe, too aware of the risks from hacking, fraud and phishing that we are constantly warned to be alert for.

So what is left? Constant use of a credit card – while monitoring the totals so it can be paid off in full each month, obviating fees. That carries some risk, however – in that the issuer can put a hold on the card at any time, if they suspect there may be a fraudulent charge, and apparently there is no requirement that they promptly notify the legitimate card holder of the fraud alert hold. I was left stranded overseas, my card refused, in one such case. It took three days of long distance calls to get the hold released. And just recently a similar silent hold prevented local withdrawal of cash from an account, again without any notice to me.

We older people are persistently urged to “keep up with the times” as technological “advances” flood our lives. This older person appreciates some of the benefits of interconnectivity, and as a writer I most certainly appreciate the ease of editing and rewriting online, compared to using the typewriter with which I began. Not all the changes and supposed helpers that change my words or think they know better than I do what I am trying to say and how I wish to express it. I still turn off every autocorrect that I can. My grammar remains far superior to that which is programmed into current software.

What I don’t appreciate, and I think gives rise to the misperception that older people are resistant to change, is the present conviction that change is always positive. Nope, sorry. Especially not when the changes are rooted in a serious shift in ethos, values and worldview.

I am far from alone in pointing to major changes in how politicians, pundits, the press and the now fashionable “influencers” present themselves, and their perception of what matters – or should matter – to the rest of us. If I were given the right to name the current period of time I would call it the era of personality cultism. How many followers can I collect, in order to sell their information to advertisers and thereby support myself without having to work for someone else? How do I acquire power to use as I see fit, without regard to the good of others, not even that of my constituents (Mr. Manchin)? How loudly can I scapegoat, point fingers, deflect blame, vilify and generally disrespect anyone who doesn’t bow at my feet? How high can I raise narcissism as a virtue, making it the norm rather than an aberration?

In company with many elders, I resist change when it goes so dramatically against the values I have lived by – that respect and a following are to be earned by honest conduct, thoughtful engagement, respectful listening to different viewpoints, and the search for collective wellbeing. I resist the marketing of absolutely everything, and the abandonment of a belief that not everything has a price. If that makes me a “stodgy old fogey” so be it. I suspect I am still in quite good company, though I accept that the current ethos, especially online, deprives me of the opportunity to find and connect with most of that company.

Would that we had louder voices, more stamina and energy to make our presence, our values and our concerns not just heard but listened to! With awareness that the years ahead of us to act and perhaps make a difference are rapidly diminishing, it is difficult not to despair. If all I can do now is stand firm in my own life, for what I perceive is right, that is what I must do.

So bank be advised – if you won’t let me write checks, I will close my account and go elsewhere!

Tags: aging, Banks, lessons, self-acceptance

This entry was posted on October 11, 2023 at 10:28 am and is filed under Living and Learning, Social Commentary, technology. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.