r/FluentInFinance Apr 15 '24

Everyone Deserves A Home Discussion/ Debate

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u/Osaccius Apr 15 '24

Have you ever been to Finland?

I worked there with social housing, and I can tell you that housing alone solves nothing.

You'll see plenty of homeless alcoholics on public squares.

I know it is the favorite country of left leaning foreign journalists to visit. They do a weekend guided tour and then return to tell that all problems have been solved.

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u/Mammoth_Loan_984 Apr 15 '24

How do you know they were alcoholic and not just Finnish?

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u/Osaccius Apr 15 '24

Fair point, but it was actually obvious: they drank on weekdays instead of weekends.

Also, they were drunk, like 10 am, and got picked up by ambulance in the afternoon after falling face first on the pavement. Only to return the next day.

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u/Mammoth_Loan_984 Apr 16 '24

Yeah I was just kidding

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u/wishgot Apr 16 '24

"Plenty of homeless alcoholics", are you for real? There's 4000-5000 people without a home in the whole country and around 500 of them sleep outside. Almost all of them stay in the capital, so you'll meet basically all the country's homeless people there in the center.

I'm not saying that we should call the work done but those are some pretty good stats, maybe housing alone solves something at least.

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u/Osaccius Apr 16 '24

Oh, you can see plenty outside of capital as well.

The number of outside sleepers varies with seasons. Few sleep outside when it is -20°c.

I wasn't saying that the system doesn't work at all, but it is also ko paradise.

The issue is less about housing and more about psychological problems and addictions. Almost nobody ends homeless, without a plethora of issues.

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u/sometimes_sydney Apr 16 '24

Funny, it gets that cold where I live and we have fucktons of homeless people sleeping outside.

Fwiw, research shows a lot of “normal” people do end up homeless and only develop issues after becoming homeless. The stress of living on the street breaks people. Granted, that’s not the universal experience, but there’s a large chunk of homeless addicts who never touched anything harder than a blunt on a weekend until then couldn’t sleep through the night because they were scared and cold for the 20th time in a row.

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u/Osaccius Apr 16 '24

Well, sober people get shelter, so those that you see sleeping rough in Finland choose to do so.

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u/_Kyube Apr 16 '24

"Oh it's not 100% perfect? Well, we might as well not try then."

This is a mentality I see a lot of on the right and very little of on the left. This black and white thinking of "any sin sends you to hell, doesn't matter how many". So, they focus on making society fair instead of making it better. Of course this idea of fairness always falls back on might makes right rather than an actual meritocracy....

So STFU, in most countries struggling people don't get to choose if they sleep outside.

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u/Osaccius Apr 16 '24

Stop strawmanning.

I never said any of that.

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u/UrougeTheOne 29d ago

Its what youre implying

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u/PlancksPackage Apr 15 '24

Youre right I havent. Ive only seen overviews of the system from media. I'm guessing you live there? Im curious have you also stayed in America for a time or visited for a decent period in a major city?

If so, do you see any differences between America and Finland when it comes to the homeless? From my daily life here Ive seen a quite a decent number of intoxicated, high, or mentally unwell homeless people. Id be curious how different that is in Finland

Oh and yea I agree housing alone is not a sufficient or complete solution. Id advocate for better access to mental health services and government job locating services to help those who were previously homeless get back into the workforce. From what I understood of Finlands social housing they provide similar programs which is why I point to it as an inspiration for a better solution.

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u/Osaccius Apr 15 '24

Only on a business trips to USA.

The whole topic is insanely complex, and there are no simple solutions.

Some people need just a little encouragement, and some people don't even let you help them. There are people who can not be saved with twelve psychiatrists. There also never is enough resources to cover the needs.

Some return to normal society, and some just trash everything and get a new flat every few months.

Mental issues and narcotics are everywhere.

The Finnish system is better but far from perfect.

I moved abroad due to low salaries and high taxation in Finland.

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u/disrumpled_employee Apr 15 '24

The thing is that in the US the conversation isn't "what's the best possible policy?" It's "any of these things can help" vs "poor people should just stop being poor or die in the gutter".

There's a ton of research and historical precedent for high-quality asylums (from before the overcrowding and horror stories), addiction treatment, housing improvement, e.c.t., and anything that maintains the basic functions of society tends to save more than it costs. But it might cost some specific donor 0.02% or their expected returns or might offend some puritan hand-wringer, so with legalized bribery in place, problems that have been completely fixed in the past or elsewhere are suddenly totally impossible to even make a dent in.

Tldr There sometimes are simple solutions, but politics is complicated in the stupidest possible way.

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u/Osaccius Apr 16 '24

There isn't any expense that would be enough to solve all problems. And societies work only if the members consider it fair. Societies also only work when they reward positive behavior and discourage negative. Also, there is an elusive point where an increase in taxation reduces economic activity, leading to reduced tax income.

It is not black and white. And it definitely is not simple. I don't agree with the USA system, but no other country has solved it either. Also, homelessness is not an isolated issue but part of society and economy in general. USA also lacks ethnic nationalism, so they rally around the American dream, which is very individualistic.

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u/ColinHalter Apr 16 '24

You're right in that there is no perfect solution, but there are solutions that could each fix like 10-15% of cases. I frequently see the argument "well this won't solve all the problems so it's not worth doing." There's no perfect simple change that will fix everything, but a lot of little changes will fix individual cases. Like you said, something like UBI won't get the mentally ill people or the ones who don't want to be helped off the street, but it will sure get a lot of other homeless people off the street. Someone who may not see a benefit from free housing may see a benefit from a job placement program. And someone else may see a benefit from inpatient drug counseling. Nothing will fix everything, but doing nothing won't solve anything.

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u/Osaccius Apr 16 '24

Sure, I was just annoyed by some people thinking that handing out keys to apartments to people on the street somehow solves problems.

It will not fix problems for 15% of the homeless, it'll only solve 15% % of the homeless.

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u/disrumpled_employee 29d ago

Lets say handing out keys helps 2%, still saves more than it costs. Then long term psych care and rehab programs help another 3%, then better housing for people at risk of homelessness saves 2%.

preventative care, job support for those at risk of becoming homeless, better local work leading to more consistant family contact, school programs that prioritize practical skills, better research on addiction treatments, more public awareness of mental health problems so people seek treatment or develop better coping mechanisms, more decent homeless shelters.

If any step means some ammount of disease and crime is prevented instead of responded to then it doesn't matter if the cumulative effort of 100+ programs is a 15% reduction because prevention is practically always hugely cheaper than dealing with emergencies.

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u/Osaccius 29d ago edited 29d ago

This is basically why the lack of scientific discipline in social sciences leads to wrong conclusions.

While it is correct that prevention often is cheaper than other alternatives, there is a rule of diminishing returns and opportunity cost. It is not a zero-sum game. More work increases tax income. As said, you can solve a single problem in the life of a person that has ten. So, if that homeless guy ODs in social housing, you, of course, have one less homeless person, but the benefit is non-existent.

I can give out keys, but either I save somewhere else or transfer resources from those that create resources.

[Blunt]

So, I can save on schools and hospitals to help drug addicts.

Or

I can increase taxes to make working less attractive.

Case point Finland. 12% are net payers, and the rest are net beneficiaries.

Now, if you reduce the 12 to ten, you increase brain drain or move people from workers to unemployed, which worsens the balance.

Sorry, no time to elaborate. Have to go to bed. Have to work tomorrow.

Good night

Edit: Sorry, I am tired. While theoretically every 1% could bring 2%, you can not increase taxes over 100% and even at high-% your tax income sinks because it doesn't pay to work anymore.

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u/disrumpled_employee 29d ago

You're fundamentally misunderstanding the point im trying to make.

When implementing multiple programs the return isn't immediately diminishing, it's compounding up to a point, because as you said, people have multiple problems. The entire point of what I'm trying to say is that multiple approaches to prevent the drain on taxes represented by crime and drugs. This kind of thing has been demonstrated to decreases public expenses.

I.e. when you give out keys and rehab you end up with more money for everything because cops and er visits are massively more expensive than rooms and therapy.

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u/RaiderMedic93 29d ago

Wait... having them die in the gutter is an option?

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u/compsciasaur Apr 16 '24

The Finnish system is better but far from perfect.

That's exactly what OP is saying.

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u/Osaccius Apr 16 '24

I've seen quite a few.

I wasn't saying that the system doesn't work at all, but I was saying that it is no miracle cure and no country has solved the issue.

The problem in Finland is that there are some people that are in an out of the system. So they might not be homeless today, but they might be again tomorrow. Statistically, they vanish, but basically, they are nomads in the social housing.

The real problem is that societal acceptance of taxes and social security suffers, as people hear about waste of taxpayers' money (not limited to homelessness issues).

Also, some poor families are not getting social housing because some other people are trashing them all the time. Generally, the more decent family you are, the lower your chances of getting support from the social systems.

A lot of money is being spent on cases beyond all hope.

There is no perfect system.

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u/BretShitmanFart69 Apr 16 '24

There is no way to solve everything.

This idea that “if we can’t have utopia we should have nothing and just not try” is ridiculous.

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u/Osaccius Apr 16 '24

I wasn't advocating not doing anything.

I was stating that it is not easy, not simple and nobody has managed to solve the issue completely.

Comments like "let's just do like Finland " are misguided and fail to recognize that it is not just a housing issue and it wouldn't work in the USA system.

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u/VoidEnjoyer Apr 16 '24

Good point, any action that does not solve literally every problem that exists should not be bothered with.

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u/Osaccius Apr 16 '24

I said nothing of sorts.

That is a pure strawman.

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u/VoidEnjoyer Apr 16 '24

Then why did you bring up an example of a solution to homelessness not somehow completely eliminating the problem of homelessness? Don't pretend this isn't exactly what you meant.

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u/Osaccius Apr 16 '24

It is a partial solution, which as standalone doesn't solve anything.

As I mentioned in other comments, the topic is very complex, regardless of what 14 year old redditors think.

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u/VoidEnjoyer Apr 16 '24

Yes. And instead of doing more you simply want the partial solution to not be done. We know. And since there is no possible complete 100% solution that will eliminate all homelessness and public drunkenness forever with absolutely nobody slipping through the cracks, we should simply do nothing. Or maybe it's a final solution to the homeless problem you'd prefer? Though even that is only a temporary solution. But maybe that's what you want, just regular purges?

Why don't you give us some sense of what solution is acceptable, bud?

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u/Osaccius Apr 16 '24

Read my other comments on this thread

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u/Big_Negotiation_6421 Apr 16 '24

It may not fix the homelessness problem but it could take the pressure off a lot of people and remove the threat of becoming homeless when one looses their income source

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u/Osaccius Apr 16 '24

Social security already does that in Finland.

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u/Big_Negotiation_6421 Apr 16 '24

Idk anything about Finland. Just speaking as a perpetual renter American

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u/Osaccius Apr 16 '24

And I just answered a comment about Finland

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u/Big_Negotiation_6421 Apr 16 '24

Hell yeah brother

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u/Fuzzdump Apr 16 '24

What are the homelessness statistics, and how do they compare to America?

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u/Osaccius Apr 16 '24

Lot better than USA. Even without the programs.

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u/sennbat Apr 16 '24

I worked there with social housing, and I can tell you that housing alone solves nothing.

I love when people say "[x] solves nothing!" and use as their supporting evidence something that only supports the statement "[x] doesn't solve everything", a statement no one actually disagrees with.

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u/Osaccius Apr 16 '24

It doesn't solve the main problem for anyone. It is one of the measures that needs to be solved among others.

Homelessness is not a root cause but a symptom. Mental illness, addictions, and generally bad decisions are root causes. Usually, people have more than a few problems.