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look at them one at a time
Health insurance companies - yes I buy a product from them, and it is a product that I need. In that sense though, it is no different from food, water, gas, electric, and so on. Just because I require some things in order to live, and more so, in order to LIVE WELL, does not mean that the corporation that I buy those things from 'owns' me.
banks - Well, for one thing, the bulk of my money and my checking account are at a Credit Union, which I technically own. In actual practice not that much different from a bank, but I really do not see how I am owned by this place that keeps my money and that I use to pay my bills via checks. As a group they have tremendous power in the community, state, nation, and world, but on the micro level they also provide me with services. So I don't at all see how they own me. They often make tremendous profits from the dumb or the desperate and lobby against me when I propose that we prevent them from doing so, but even the dumb and desperate seem to me to be just exploited and ripped off rather than 'owned'.
mortgage holders - a small part of banking, but the general practice is for somebody to buy a house and to get a loan and to repay that loan with fairly low interest. That's a long way from being owned, and it has often been profitable for the home owner, their house payments are lower than renting and equivalent space, they have freedom to make the place their own, and they build up home equity. Some people may have dug themselves into bondage of sorts by taking a bad mortgage deal or buying too expensive of a house or by burning up their home equity, but that's a trap I, and most of the people I know, have avoided.
my employer - Yes, they sort of own us for 40, or in my case 20, and in other cases more than 40, hours a week. Except for a few things. First 40/112, means that only 36% of my time is under the control of my employer. Second, they pay me for this time, usually more than a subsistence wage. Lots more. Third, it's part of the social contract. Unless I had slaves of my own who provided me with food, clothing, shelter, medical care, entertainment, and transportation, then I am gonna have to work in order to be able to pay other people to do this for me, or work and provide all of those things by myself. Just because you have to work, does not mean you are a slave. The slave works for somebody else and gets almost nothing for himself. I know some DUers like to pretend that most Americans have nothing, but I don't buy it. I have been in the bottom quintile for income since 1986 and I have always had lots more than nothing.
my government - yes, it often does things that I don't want it to do, particularly when my neighbors elect Republicans. Still, it is a long way from owning me. Many of the things I rail about are even far away from affecting me. None of my close friends has died in Iraq, and I don't have lots of friends or relatives who live in Iraq. Still, I did what I could to prevent that destruction, and yes I lobby for other progressive things and often lose to big money and have to work against an education system and media loaded with lies. None of that though, equates to ownership or me being a piece of property. Just because I have no more power than any of the other 300,000 voters in my Congressional district does not make me, or any of them, property of our government. We are still a long way from a dictatorship.
As far as the 'misfortune that has befallen the vast majority of people' that is surely overstated. If there are 50 million poor in this country, then there are 250,000,000 non-poor. In this bad economy unemployment has risen to perhaps 17% (if you include the discouraged and those working part-time when they want full time work). The vast majority though - 83% still have jobs (and even some people who have lost their jobs are like the wife of my supervisor - not necessarily hurting that bad since her spouse still has a job as well as retirement pay and medical benefits from the VA and she now gets to collect unemployment for a year or more.)
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