Perhaps the BEST B1G Forum anywhere, here at College Football Fan Site, CFB51!!!

Here in AZ, my ID doesn't expire until I'm 65, so I don't see why I should replace it when I move. 

Because it is required by law and it is super easy to do.

I applied for a home loan in 1981, the quoted interested rate was 17.5% 30 year fixed.

I passed.  Another bank bailed out the owner of the new condos and gave me a 3 year ARM at 12.5%.  I took it.  Got a sweet deal on the unit too, 80% of original listing cost.

This would hammer real estate values in time and make imports expensive and raw materials expensive.

I got a 13.5% fix rate in 1983 only because there was a special bond issue for funds in Ohio for first time home buyers. 

Because it is required by law and it is super easy to do.

For some reason, I'm not big on victimless laws that aren't enforced.  But I'm weird like that.

For some reason, I'm not big on victimless laws that aren't enforced.  But I'm weird like that.

Weird folks aren't required to vote

or even encouraged 

Weird folks aren't required to vote

or even encouraged

The poor are discouraged to vote.  

Living poor for a while does sharpen your empathy and your financial discipline.

Lived poor for a long long time. I am well off now, my wife has accused me of changing in the last 5 years and become cavalier with money.  Probably true, I have become use to doing what I want when I want and not worrying about the cost.  Use to be I tracked every penny, seriously to the penny and every bit of money coming in was allocated to a category. 

All that said, I can say that can be quite empathic to those less fortunate than me. I believe (and practice) strongly in personal charity, while opposing governmental forced "charity"

If you need someone to tell you, it won't be a fruitful discussion.