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16/10/2022

Priorities for a Pro-Life US State Senator

3 July 2022
One of my US friends quipped that ‘Republicans are pro-life until it is actually born’. During the birth
process Republicans are against free health care and after the birth they are against welfare, child
support, living wages, equal opportunity in education etc.
The Pro-life senator in Oklahoma, Wendi Sherman, who was the proponent of the abortion ban
there, said, “The purpose [of government] is to protect life, not to provide for citizens.”
The practical corollary of this definition of the role of government is that women are forced to have
children that they did not want and then forced to care for them, when they knew before the birth
that this was too difficult to attempt. One might ask whether this is the same religious view that was
extant when I was young that having a baby was punishment for the sin of having sex. There is no
quote or evidence of a question on this subject, but these sort of fundamentalist views do seem
extant in the US.
I wonder if political hardheads in the Republican party just use abortion to shore up the significant
religious vote. Abortion is painted as a ‘life and death’ issue and so has great weight. Other policies
like foreign wars, tax cuts for the wealthy and cuts to Medicare and welfare programs can sail
through because of this preoccupation/obsession.
www.abc.net.au/news/2022-07-03/abortion-rights-oklahoma-roe-v-wade/101167280

24/04/2022

Huge Corporate Rort with Petroleum Resource Rent Tax

24 April 2022

Foreign companies are paying no tax due to deficiencies in the Petroleum Resource Rent Tax (PRRT). You may recall that the Rudd government tried to bring in a realistic tax based on the one that they have in Norway with a sovereign wealth fund set up to tide the country over a rainy day (like a COVID epidemic perhaps). The extent of the tax avoided is currently 13% of GDP!

Rudd was targeted by a combination of the miners and Murdoch, who he was trying to stop getting a virtual monopoly of the Australian media.

When Rudd fell, Gillard came in and introduced an alternative tax, which allowed her to save face, but one commentator some time later noted that the increase in miners’ profits that year was almost exactly what Rudd’s tax would have raised, and the new tax raised almost nothing. It was also said that the Tax Office had not modelled the new tax, and it came from the miners. This fits the theory that it was a face-saver so that Australians would still think that the government was actually in control.

Here we are a few years later, with a whole election debate is about tax, tax cuts, handouts and the cost of living, yet neither of the major parties have the guts to call out the real tax avoiders, who actually changed the legislation in their favour. The Greens do and for that they are called radical lefties!

The government takes credit for the COVID bounce-back recovery, which has nothing to do with their policies, and for the low unemployment rate which relates to the lack of backpackers and students, who usually do the dirtiest and least safe jobs for sub-award wages, not to mention the definition of ‘employment‘ as having at least one hour of work a week. The claimed 4% unemployment rate is actually a bad joke.

Here is an article in Crikey from Bernard Keane:

www.crikey.com.au/2022/04/20/prrt-could-be-biggest-theft-in-history/

08/04/2022

Bullshit Jobs

8 April 2022

The idea of bullshit jobs is not new. It comes from a book in 2018.

However, with employment supposedly doing well, largely because we have excluded guest workers due to Covid, it is worth looking at how many jobs are actually needed.

Everyone needs something to do and a reasonable income to live on. The status of having a job relates generally to its perceived income, though there is some ‘doing good’ status associated with jobs like nursing despite their being chronically underpaid.

But technology replacing people has not brought the expected benefits because there seems no plan to spread the benefits evenly, or look at whether what is being done has any social utility. Many jobs that need doing are not done. Many people who want to work cannot, yet much energy and money is spent doing useless things.

I waste about 80% of my time as I treat Workers Comp and CTP injuries. About 20% of my time is deciding what treatment is needed, and about 80% filling in paperwork or writing reports to try to get the treatments paid for. On the other side there are a phalanx of clerks trying not to pay and to transfer the costs elsewhere. (i.e. to Private Health Insurance, Medicare or the patient themselves). Many doctors and lawyers also strive mightily in this unproductive area. The bottom line is that while the overheads of Medicare are about 4.5%, the overheads of CTP are close to 50%,; i.e half the money goes in processing or disputing claims or in profits for the companies indulging in this nonsense. And since many patients often cannot get the treatment or suffer long delays because of their efforts, it is a really bad use of human energy.

Someone needs to look hard at what we do and where the benefits go. Assuming that ‘the market’ will fix it is about as sensible as saying that ‘God’ will fix it, and is usually espoused with the same uncritical zeal.

Here is Wikipedia summary of the book:

In Bullshit Jobs, American anthropologist David Graeber posits that the productivity benefits of automation have not led to a 15-hour workweek, as predicted by economist John Maynard Keynes in 1930, but instead to “bullshit jobs”: “a form of paid employment that is so completely pointless, unnecessary, or pernicious that even the employee cannot justify its existence even though, as part of the conditions of employment, the employee feels obliged to pretend that this is not the case.”[1] While these jobs can offer good compensation and ample free time, Graeber holds that the pointlessness of the work grates at their humanity and creates a “profound psychological violence”.[1]

The author contends that more than half of societal work is pointless, both large parts of some jobs and, as he describes, five types of entirely pointless jobs:

flunkies, who serve to make their superiors feel important, e.g., receptionists, administrative assistants, door attendants, store greeters, makers of websites whose sites neglect ease of use and speed for looks;
goons, who act to harm or deceive others on behalf of their employer, e.g., lobbyists, corporate lawyers, telemarketers, public relations specialists, community managers;
duct tapers, who temporarily fix problems that could be fixed permanently, e.g., programmers repairing bloated code, airline desk staff who calm passengers whose bags do not arrive;
box tickers, who create the appearance that something useful is being done when it is not, e.g., survey administrators, in-house magazine journalists, corporate compliance officers, quality service managers;
taskmasters, who create extra work for those who do not need it, e.g., middle management, leadership professionals.[2][1]

Graeber argues that these jobs are largely in the private sector despite the idea that market competition would root out such inefficiencies. In companies, he concludes that the rise of service sector jobs owes less to economic need than to “managerial feudalism”, in which employers need underlings in order to feel important and maintain competitive status and power.[1][2] In society, he credits the Puritan-capitalist work ethic for making the labor of capitalism into religious duty: that workers did not reap advances in productivity as a reduced workday because, as a societal norm, they believe that work determines their self-worth, even as they find that work pointless. Graeber describes this cycle as “profound psychological violence”[2] and “a scar across our collective soul”.[3] Graeber suggests that one of the challenges to confronting our feelings about bullshit jobs is a lack of a behavioral script in much the same way that people are unsure of how to feel if they are the object of unrequited love. In turn, rather than correcting this system, Graeber writes, individuals attack those whose jobs are innately fulfilling.[3]

Graeber holds that work as a source of virtue is a recent idea, that work was disdained by the aristocracy in classical times, but inverted as virtuous through then-radical philosophers like John Locke. The Puritan idea of virtue through suffering justified the toil of the working classes as noble.[2] And so, Graeber continues, bullshit jobs justify contemporary patterns of living: that the pains of dull work are suitable justification for the ability to fulfill consumer desires, and that fulfilling those desires is indeed the reward for suffering through pointless work. Accordingly, over time, the prosperity extracted from technological advances has been reinvested into industry and consumer growth for its own sake rather than the purchase of additional leisure time from work.[1] Bullshit jobs also serve political ends, in which political parties are more concerned about having jobs than whether the jobs are fulfilling. In addition, he contends, populations occupied with busy work have less time to revolt.[3]

As a potential solution, Graeber suggests universal basic income, a livable benefit paid to all, without qualification, which would let people work at their leisure.[2] The author credits a natural human work cycle of cramming and slacking as the most productive way to work, as farmers, fishers, warriors, and novelists vary in the rigor of work based on the need for productivity, not the standard working hours, which can appear arbitrary when compared to cycles of productivity. Graeber contends that time not spent pursuing pointless work could instead be spent pursuing creative activities.[1]

24/03/2022

Planning Minister Anthony Roberts scraps flood and fire checks in Planning Laws

March 24 2022

Almost unbelievably, NSW Planning Minister Andrew Roberts has scrapped requirement of his predecessor Rob Stokes that fire and flood risks be considered in planning approvals. This is only a week after the worst floods in history, and a few months after the worst bushfires.

His excuse was that he had a priority to act on affordable housing. No doubt flood-prone land is cheaper.

One might think that It is almost impossible to explain such stupidity, but we might note that the Property Council and the Urban Taskforce supported the decision, with the usual disparagement of ‘red tape.’

We might also note that Minister Roberts started working in Parliamentary offices at the age of 22, worked for Flagship Communications as a PR person and was cited by journalist Chris Masters as the liaison person between Alan Jones and John Howard’s offices. Flagship Communications was the PR company for the Orange Grove development, which set up a ‘factory outlet’ and turned it into a full blown shopping complex (until it was shut down by then-Premier Bob Carr after lobbying from Westfield). He became an MP at the age of 33 as member for Lane Cove.

There has been quite a lot of negative reaction to his planning decision in the letters columns.

Here is the SMH story:

NSW Planning Minister scraps order to consider flood, fire risks before building

By Julie Power March 22, 2022

NSW Planning Minister Anthony Roberts scrapped a requirement to consider the risks of floods and fires before building new homes only two weeks after it came into effect and while the state was reeling from a deadly environmental disaster.

Mr Roberts last week revoked a ministerial directive by his predecessor Robert Stokes outlining nine principles for sustainable development, including managing the risks of climate change, a decision top architects have branded “short-sighted” and hard to understand.

But a spokesperson for Mr Roberts said the minister had been “given a clear set of priorities to deliver a pipeline of new housing supply and act on housing affordability” by Premier Dominic Perrottet.

The president of the NSW chapter of the Australian Institute of Architects, Laura Cockburn, said the decision was difficult to understand “after the recent devastating floods and with bushfires still scorched in our memory”.

The revoked directives had sought to address “risk-management and resilience-building in the face of such disasters”, Ms Cockburn said.

“In the midst of our current flood and housing crises, why would a government choose to remove planning principles aimed at disaster resilience, and delivering affordable housing?” she said. “This is a short-sighted decision that could have enduring negative impacts.”

Mr Roberts’ spokesperson said: “The minister did not consider that the planning principles due to take effect on March 1 would assist in delivering his priorities so discontinued the principles and issued a new ministerial direction to that effect.”

Mr Roberts’ move coincides with expectations the government will also scrap or substantially change the new Design and Place State Environmental Planning Policy (SEPP) under consideration for apartments and homes. The policy stresses sustainability, quality and liveability by requiring, for example, better ventilation.

Mr Stokes’ directive on sustainable development, issued on December 2 but in effect from March 1, was designed to simplify the planning system, cut red tape and put people first. It said housing should meet the needs of the present “without compromising those of the future”. It was scrapped on March 14.

These principles are also reflected in the new design policy developed by the office of the State Architect. It is being reviewed.

Mr Stokes directed the planning department, developers and councils to also consult Indigenous landowners, consider the risk of climate change, and provide the public with information about the risks of natural disasters where they developed, lived or worked.

“Land use should be compatible with the level of risk of an area, such as open space or playing fields in flood-prone locations,” Mr Stokes’ statement of principles said.

Many in the property industry expect Mr Roberts will abandon plans for the new Design and Place SEPP.

Luke Achterstraat, NSW executive director of the Property Council of Australia, supported Mr Roberts’ move. With NSW facing a shortage of about 100,000 dwellings, the council backed any measure that sought to reduce red tape and activity that would “unblock” the planning system.

“The added significance of why we support the Minister’s announcement is that he has doubled down on housing supply and affordability, and has recognised the industry has been in an elongated process of policy reform.”

He said the Property Council expected the new Design and Place SEPP would either be set aside or substantially changed. Mr Achterstraat said the government’s own modelling found they would cost an additional $2.3 billion.

The chief executive of Urban Taskforce Australia Tom Forrest also applauded Mr Roberts’ decision.

“Planners were confused. Lawyers were aghast. Developers were exasperated. It is great to see this unwelcome initiative abandoned,” Mr Forrest told The Urban Developer, which first reported Mr Roberts’ policy change.

Stephen Albin, an analyst and principal of consultants Urbanised, advised Mr Stokes on the scotched principles.

He was disappointed to see Mr Stokes’ principles abandoned when NSW’s planning system needed reform. “The definition of stupidity is doing something again and again, and expecting another result,” he said. “We wanted a modern planning system that was inclusive.”

Ms Cockburn said she hoped the latest change by Mr Roberts would not impede the significant efforts to design places to meet the needs of their communities in the Design and Place SEPP.

Architects across Australia are also campaigning for new planning policies that ensure clearer standards and codes to protect consumers from worsening impacts of climate change, including new controls for building in floodplains.

A recently released research report by Climate Valuation found a million homes nationwide will be “at high risk of devastating riverine flooding by 2030 without investment in adaptation and mitigation”.

The future of building on floodplains will also form part of the inquiry into the NSW disaster that has left nine people dead and thousands with damaged homes.

24/02/2022

Loneliness and its solutions

25 February 2022

I sometimes watch Foreign Correspondent on ABC TV and by chance on 15/2/21 I came across this excellent programme on loneliness in Japan.

The ABC correspondent there looks at loneliness in the Japanese population from older folk dying alone, to younger people simply withdrawing from society.

Some of the older ones had no family or jobs. Some of the younger ones were so pressured to succeed and felt that they had failed, so simply withdrew from society. It seems that the pressure on kids all to be CEOs is an absurd and unachievable objective.

I am not sure that the situation in Australia is as bad, but I thought about some of my patients and could think of half a dozen immediately. With some of them , I am one of the only two or three people in the world they have any contact with, their relationships are tenuous.

None of them started with mental health problems. Here are some examples:

A 60 year old man worked for a security company looking after an insurance company. He was doing surveillance for them, but it took over his life as he was contacted 24 hours a day for various crises. Case management employees having conscience over what they were doing had to be rescued from self-harm in the toilets. Enraged claimants with refused claims threatened to blow up the company offices with cans of petrol. He saw staff high-fiveing as some claimant got a derisory settlement when they deserved and needed a lot more. It went on like this for years. When he said that he could not do this anymore he was treated as badly as any of the people he had dealt with. He told me this story, and I had hoped that with his considerable management skills and experience, he could be put into a less stressful position. But he deteriorated. Everything reminds him of the corruption of the world. He is estranged from his wife and they communicate with post-it notes on the frig. He goes for a walk at 11 at night so he will not have to speak to people in the street. One son has stuck by him and visits daily, and will build him a self-contained unit in his new home.

Another patient is a 62 year old ethnic taxi driver who was so badly bashed 11 years ago by a gang stealing his takings that he lost an eye, has never worked again and never recovered mentally or physically. He was divorced; lives alone and sometimes will not even answer the phone.

One is a 42 year old foreign student who came to study theology, wanting to become a pastor. Her English is not great. She is a trifle unworldly, and thought that the world is basically kind and people look after each other. She had a casual job in a motel and her boss asked her to move a bed down the stairs between floors. She said it was too heavy and she could not, but he threatened to sack her. She did it and got an injury to two discs in her back. She was frightened to have surgery, so was in agony for a couple of years and eventually agreed. She had minimal surgery, which was not successful. The insurer decided that she was not complying with what they wanted so refused to pay her. She was effectively broke and homeless, so an old lady from her church offered her a bed and food. But she lives a long way away and up a drive that is hard for my patient to walk up. She was effectively trapped. As a foreign person she did not even have Medicare for the minimal psychological help it offers (6 visits a year). Her mental health deteriorated and she shunned all outside contact, and would not even answer the phone. She has gone home to her family- I can only hope she improves there.

One is a 39 year old from a religious and teetotal family with a high sense of ethics. He was a top salesman of a computer company and became aware that they were ripping off some customers. He drew this to management’s attention, but they declined to do anything and he was labelled a whistleblower. Management supported him by putting out an email asking that he be supported for his mental health issues. He felt that this ostracisation was the end of his career, because he had asked them to behave ethically. He was certain that no one in his tight top group will now employ him, so he withdrew and started to drink to lessen the pain. His family then rejected him because of the drinking and his sales friends are estranged also. The psychologist gives him Cognitive Behavioural Therapy exercises and I try to get him to drink less and somewhat ironically counsel him that you cannot withdraw from the world merely because the baddies generally win. He lives alone, answers the phone and is just able to do his own shopping, but is not improving much.

These are just some examples that I know. Coasting home as GP at least keeps you in contact with life. The point is that many people have broken lives, but just keep living. None of these examples have done anything wrong themselves. Is a sense of ethics a mental illness?

As everyone has to ‘look after themselves’ in a consumer-oriented society, more people will fall through the cracks, especially as the gap between rich and poor is enlarged by pork barrelling which puts resources into areas that need them less, tax breaks for the rich, subsidies for private schools and private health insurance, derisory welfare payments, and insurers allowed simply to refuse to pay without penalty.

People need basic support with universal housing and universal health case. They need jobs or at least occupations and an adequate income to survive. And we need outreach and support services that can be called upon.
When people say, ‘There are not enough jobs’, they are taking nonsense. Anyone can think of many worthwhile things that need doing. And there are plenty of people who would be happy to do them. The problem is that in a world where nothing can be done that does not make a profit, a lot of things that need doing are not done. That is where the policy change are needed. We cannot simply look at the money and see to what level existing activities can be maintained. We need to look at what needs to be done, and then work out how to achieve it. We need to decide that everyone has a right to live and those who have a good life will live in a better society if everyone can share at least a basic quality of life. There has to be recognition that the ability to be profitable need not be the overwhelming criterion for what is done. Tax may go up, but if there is real re-think of priorities, it is not likely to be all that much.

The link to the ABC program that initiated this tirade is below.
https://iview.abc.net.au/show/foreign-correspondent/series/2022/video/NC2210H002S00

20/02/2022

Gun Manufacturer Remington Found Responsible for Sandy Hooks School Massacre

20 February 2022

For the first time ever, a gun manufacturer was found to be responsible for a massacre.

As everyone who is aware of US news knows, massacres are commonplace in the US, all carried out by guns being used exactly as they were designed to be used. Oh yeah, but not used on those people…

Somehow the US gun manufacturers have had immunity from prosecution and the Sandy Hook legal team had to say that it was the irresponsible (and highly successful ) marketing that had caused the assault rifle to be used in the shooting. So they got them for the marketing, not the product.

Given the political difficulties of doing anything about guns in the US political system, it is natural that people might turn to the legal system for some hope. It is difficult, but not as hard to change as the political system.

I am reminded of the same debate in the tobacco war. For years the tobacco industry gave money to the major parties in big amounts and the deal was something like, ‘Say what you like, but no restrictive legislation till after the next election, then the next, then the next etc’. They denied knowing the health facts, but said that it was common knowledge that smoking was harmful. They had to not know so that they would not be liable, but everyone had to know because then the smokers were responsible for their own illnesses. This was known as the ‘Tightrope policy’. Of course they had done the research and knew very well, but hey, lies are common and part of many business models.

In 1983 a group in Northwest University in the US was trying to get enough money to run cases, because tobacco used exactly as intended was causing thousands of deaths every day. The industry had been very keen to be forced to put ‘Smoking is a health hazard’ on the packs. This was because they could the say that the people who smoked had been warned and they were not responsible for the consequences of using their product. They also wanted the government to tell them to put it there, so they could say that they did not know if tobacco caused cancer, but the government and health people thought so. They fought every case, generally drawing it out so that the plaintiff either died or ran out of money or both. When they were about to lose a lung cancer case in a librarian in Australia, they found out that she had had a child out of wedlock 40 years before, and said that this would be released if she did not stop the case. Such was the shame of that fact that his person, weakened by cancer, withdrew her case and died. Ruthless.

The US believed tobacco campaigners believed that their victory would come in the courts, not the parliaments, and this was true. In Australia it was a bit different as BUGA UP targeted the tobacco industry and made them such pariahs that they were politically weakened enough for advertising and sponsorship bans, plain paper packaging, rotating health warnings and eventually some-free indoor air. The tobacco industry in Australia was relatively weaker than in the US, and the gun lobby is also, but it is very unwise to be complacent.

We in Australia need to be very vigilant to keep our gun laws strong, as the Shooters have expanded their base to become the Shooters, Fishers and Farmers and have capitalised on the weakness of the Nationals to get lower house seats. They have used balance of power situation in NSW quite astutely under Bob Carr and continuing. John Tingle, The Shooters MP in NSW got Carr to enact that to have a shooters licence in NSW, one had to belong to a shooting club and shoot at least once a year. The shooting Club could then keep an eye out for crazies. But of course the shooting clubs got a subsidy to maintain their records and database, and this is ideal for organising fundraising and troops on election day. Running a political party is a significant expense- only one group is subsidised, though it must be conceded that the shooting clubs and the Sporting Shooters Association (the lobby group) are not the same entity as the Shooter, Fishers and Farmers party.

We need to watch the US legal efforts, and be vigilant. And of course lessening social inequality and having a place in society for everyone with jobs, income and housing helps lessen the probability of alienation, anger and despair.

www.abc.net.au/news/2022-02-16/sandy-hook-families-settle-with-gun-maker/100833782

10/02/2022

Religious Discrimination Bill Dies- What about the Tax-Exemption?

10 February 2022

We note that the Morrison government despite a somewhat Pyrrhic victory in the lower house after an all-night session has sent the Religious Discrimination Bill to a Senate Committee, which will push it to after the election and kill it off. This bill was promised by Morrison presumably to keep his religious right happy after the Marriage Equality bill was forced on the Liberals after the national referendum result.

There is no real evidence that religious people are discriminated against. They have tax-exempt status and are hugely over-represented in Cabinet at both Federal and NSW State level. (I do not know about the other States). They seem to that they have the right to prosthetise in door to door situations and even if they are occasionally abused in these invasive situations think the notion that they have the right be there persists, like tolerance for pesky door to door salespersons.

My own experience of being forced to go to religious ceremonies at boarding schools stuck with me. They knew that if it was voluntary the congregation would have declined by at least 95%, but they did not care. In Parliament, proceedings opened with the Lord’s Prayer. As an atheist since school I found this offensive and did not go in until it was over. Lee Rhiannon from the Greens was the same. I assumed it had always been there but in fact Fred Nile had introduced it only a decade or so before. So the idea that religion is in danger of being suppressed in Australia seems absurd to me. They already have too much power.

Far more significant is the historic tax exemption for religious organisations, however new or venal they may be. As Jesus is quoted in Mark 17:12 “Render to Caesar the things that are Caesar’s, and to God the things that are God’s.” It seems that his is one of those texts that are not acted on.

I cannot say it better than The Shovel.

www.theshovel.com.au/2022/02/10/discrimination-religious-groups-taxation/?fbclid=IwAR3dlW-c3ESEBlrRM-cOw5brJT8nmfR7ywItqsgpYJJPZMp54u1e_-75Zv4

03/02/2022

Scam Crime and the Response

3 February 2022

It is no secret that computer and phone scamming are now hugely common crimes. A couple of years ago, I got new landline as it was only a few extra dollars on my data plan. The number was not known to my friends and there are no phone books these days, so the only calls I got were surveys or scams or both. I was nearly conned, but when ‘Telstra’ asked for my credit card to fix my line I woke up just in time. Others in the house were scammed. The government has a Scamwatch, but it is only interested if you actually lose money and it seems very desultory about taking action.

The Police are not interested. As criminals go from mugging and burglaries to scamming there is less violent crime, but prison numbers continue to rise at vast cost to the taxpayer and with minimal rehabilitation- the recidivism rate remains high, which is unsurprising in that there are few jobs, little housing and a stint in gaol getting different friends and new skills makes reoffending more likely. Telling the Police or the government about scams seems to have no effect.

Some years ago as I collected more and more credit and loyalty cards they filled my wallet to bursting. As I paid for a restaurant lunch in a small cafe I dropped quite a lot of the cards and picked them, apparently bar one. I went back to work and a few hours later was called by the bank that asked if I had made a couple of big purchases in Sydney without signing and then flown to Melbourne, as someone had done this using my credit card. I had not, and the bank did not charge me for whoever had. That seemed good, but it is also an explanation for why credit card interest rates are so high. Presumably the person who got the card also got away scot-free; an unreported crime.

Recently a friend asked me to befriend a Nigerian medical student who is apparently honest and does not scam, but has a lot of trouble to advance in his profession as influence-buying and connections are necessary and he does not have these. I was informed that in Nigeria there are few jobs, the money goes overseas and scamming is the major source of income for a whole class of young people, particularly men. Now as one gets a few scam calls each day and sometimes the phone even warns about this the whole situation is becoming ‘normalised’. Some of us might hope that the government that is so ‘tough on crime’ that it locks so many people up, might actually recognise that the type of crime is changing and go after scammers and cyber criminals or even take some measures to prevent this. Surely taking advice in real time- calling the number, blocking them or listening to them to gain evidence for prosecution are all easily accessible remedies that could happen in a very short time-frame.

As the governments do very little, it seems that they want to push it to the banks, who, true to their form do not want to help. A buck-passing exercise, in short. Naturally the Australian Banking Association (ABA) said that Australia is ‘world-leading’ in all this. Perhaps they learned this unconvincing line from the politicians. The fact that normal transactions might be slowed by checks is one thing, but if we look at the amount of extra time it takes to board an aeroplane due to fear of crime, we might see this in perspective.

Once again Consumers will have a make a large fuss to that our ‘leaders’ will eventually follow us.

Here is an article from the SMH on the subject:

Banks battle to dodge refunds

Charlotte Grieve 3 February 2022

Australia’s major banks are fighting a push from regulators to force them to refund billions of dollars lost in online scams, arguing requirements to bear the costs of internet fraud could create complacency among consumers and lead to more losses.

In a tranche of internal documents obtained by The Sydney Morning Herald under freedom of information laws, the Australian Securities and Investments Commission (ASIC) detailed ‘‘strong opposition’’ from the banks to proposals for new obligations ‘‘to prevent scams or reimburse customers for losses’’.

Financial scams have increased around the world during COVID-19, with consumers spending more money online during lockdowns and criminals exploiting security vulnerabilities. Australians lose about $2 billion annually to scams, according to estimates from the competition regulator, most of which go unreported.

ASIC is reviewing the ePayments code, a voluntary code of practice that contains consumer protections for electronic payments, in a process that has been plagued by delays.

Australian Competition and Consumer Commission (ACCC) deputy chair Delia Rickard wrote to ASIC in early 2020 calling for scams to be included in its review, but ASIC decided against this after fierce pushback from major banks.

In one document, ASIC noted banks claimed accepting liability for ‘‘preventing customers from falling victim to scams is problematic, as it raises moral hazard issues (there is a risk that customers take less care if they know they will always be backed by their ADI).’’

The UK regulator recently introduced a raft of new protections for consumers affected by scams, including increased liability on banks to reimburse customers who lose money and a ‘‘confirma‘‘confirmation of payee’’ (CoP) mechanism that forces banks to flag payments where the account name does not match BSB and account number.

Both the ACCC and the Consumers’ Federation of Australia (CFA) supported introduction of a name-checking tool in Australia, claiming it would address an increasingly prevalent style of scam known as business email compromise, in which hackers falsify invoices and request payment to fraudulent accounts using genuine business names.

In another document, in comments later deleted by ASIC, the banks claimed to ‘‘already help customers in various ways’’ and said blocking genuine transactions ‘‘is a highly sensitive issue that can lead to challenging interactions for frontline staff’’.

The Australian Banking Association (ABA) has consistently stressed the need for greater personal responsibility in preventing scam losses, which has led some groups to accuse it of ‘‘victim blaming’’.

In one email to ASIC from September last year, the cited ‘‘timing and cost’’ as the main reason for opposing the CoP mechanism while promoting greater consumer education.

An ABA spokesman said Australia was “world leading” in online payments security and pointed to existing initiatives including PayID.

The industry also argued namechecking would increase ‘‘friction’’ and ‘‘substantially delay’’ payments processing and warned of rising customer complaints if new regulations saw banks blocking payments because of minor typographical errors, according to the documents.

The CFA told ASIC that there had been ‘‘blame shifting’’ between banks ‘‘to reduce liability for scam losses’’ and criticised the ‘‘little or no recourse’’ for victims.

It added it would be increasingly ‘‘important to minimise mistaken payments through good system design, rather than relying on moves to get the money back afterwards’’.

Britain’s new regulations force banks to reimburse customers for scam losses if certain criteria are met, using a pool of funds contributed by the banking sector.

An early draft of ASIC’s review showed support for this approach.

However, ASIC became increasingly concerned members of the voluntary code would withdraw participation if new obligations to prevent scams required ‘‘significant investment’’ in new systems.

Rather than introducing regulations similar to the UK, ASIC sought to enhance existing onscreen warnings that inform customers about risks of entering incorrect details.

However, the documents show there was also ‘‘resistance to this suggestion from banks’’ because it would probably ‘‘be expensive and resource intensive’’.

16/01/2022

Djokovic goes to Gaol or exile while Hillsong goes Scott-Free.

16 January 2022

Today Novax Djokovic is in Court trying to stop Immigration Minister Alex Hawke deporting him before the Australian Open Tennis starts tomorrow. For those who don’t follow tennis and have been sleeping under a rock, he is the number one seed and if he wins, he will be the first player to win 21 Grand Slam tournaments and as such, the Greatest tennis player Of All Time (GOAT).

Last time he went to Court he won, because the issue was whether the government or Djokovic had done the wrong thing in the visa application process. He won with costs and the government was heavily criticised by the Court (not to mention the rest of the world).

This time is different. Minister Alex Hawke, a young ambitious religious Conservative right-wing numbers man has excluded him in that he is a danger to the population from an infectious point of view, and because he is known to be anti-vaxx and will give publicity to that view. The Court decision is totally stacked the Government’s way because it only has to decide whether the Minister has the power to do this, and the legislation is written so that he would have this power and the meddlesome courts could not interfere. So what is likely to happen is that the government’s position will be upheld, Djokovic will be deported and Australia’s appalling immigration policies will be seen for the arbitrary farce that they are- beyond the rule of law.

The fact that ATAGI (Aust. Technical Advisory Group on Immigration) said that previous infection within the last 6 months could be a reason for vaccination exemption, that Djokovic had had such an infection and that a blind medical panel said that he was safe to come has been ignored. (‘Blind’ in the sense that the panel did not know the name of the person whose file they were reviewing). The point is that he is very unlikely to infect anyone, not to mention the fact that the virus has already escaped and there are few preventive measures in place. Anyone in Australia can fly into Melbourne and go to the tennis with no tests of anything and case numbers of omicron set new records every day. Djokovic has not trumpeted his anti-vaxx views, though one could argue that these are already well known. There is a whole industry telling us what famous people do and think, and that was before the anti-vaxx lobby.

Djokovic is not as popular as the ever-smooth Federer or the rougher battler Nadal, but his public image seems that he is a nice guy, if occasionally misunderstood and pretty ruthless in his quest for the top. Darker mumblings about his unsportsmanlike use of injury rules and mind games have surfaced from a few columnists recently, and one might wonder why. But this is all irrelevant. The government is excluding him ostensibly because he is a risk of infection (absolutely minimal), or that he will stir anti-vaxx sentiment (where the controversy has already done more for the anti-vax cause than his winning of the Australian Open would ever have done).

The real reason is that this government wants to look tough on border control and quarantine, having made a complete mess of the COVID epidemic, with outbreaks due to ‘careless’ border policy, (were there Hillsong groups on the Ruby Princess?), lack of purchase of vaccine, poor management of aged care facilities, and now a ‘let ‘er rip’ policy supposedly to help the economy. Today’s Sun Herald front page announces that ‘71% want Djokovic sent home’. So some hairy-chested populism is the order of the day.

On page 6 of the same Sun Herald (see below) NSW Police decided not to fine Hillsong church after videos were seen of people singing and dancing at a Hunter Valley religious camp. NSW State Health Minister Brad Hazzard is quoted as saying that the singing and dancing ban does not apply to religious groups, though it does apply to recreation facilities, nightclubs etc. Presumably a religious recreation camp is OK, but a non-religious one is a big problem. The fact that the same article notes NSW had 48,768 new cases, 2,576 in hospital, 193 in ICU and 20 deaths yesterday presumably is also irrelevant.

Is it relevant that Scott Morrison and Alex Hawke are members of Hillsong and NSW Health Minister Brad Hazzard is in the same Liberal party?

Craig Kelly has called Djokovic a ‘political prisoner’, and for once I agree with him.

If the Court agrees to deport Djokovic because the Minister said so and they cannot appeal it, it will show the world the arbitrariness of Australia’s immigration laws and the government may win a populist victory at the cost of further damage to our international reputation.

As a tennis follower who saw the US Open final, I am of the opinion that Medvedev will beat Djokovic in the tennis if they play, but it looks as though political stupidity has game, set and match.

Hillsong let off as NSW posts 48,768 new cases and 20 deaths
Sally Rawsthorne, Sun Herald, 16 January 2022
NSW has recorded 48,768 new COVID-19 cases and 20 deaths on the third day positive rapid antigen tests are included in the daily infection numbers.Of the new cases, 21,748 were self-reported from at-home tests and 27,020 were from PCR testing.There are 2576 people in hospital with the virus, of whom 193 are in intensive care units. Eleven men and nine women have died from COVID-19 in the past 24 hours.Yesterday, police confirmed they had decided not to issue a fine to Hillsong church for a camp in the Hunter Valley, after videos of attendees singing and dancing without masks sparked public outrage.‘‘NSW Police have attended an event in the Newcastle area and spoken with organisers. Following discussions with organisers and after consultation with NSW Health, no infringement will be issued,’’ said police in a statement.‘‘Event organisers are aware of their obligations under the Public Health Orders, and NSW Police will continue to ensure ongoing compliance.’’NSW’s Public Health Order prohibits singing and dancing at music festivals, hospitality venues, nightclubs, entertainment facilities and major recreation facilities.Health Minister Brad Hazzard said while the order does not apply to religious services, it does apply to major recreation facilities, which is defined as a ‘‘building or place used for large-scale sporting or recreation activities that are attended by large numbers of people, whether regularly or periodically’’.‘‘This event is clearly in breach of both the spirit and intent of the order, which is in place to help keep the community safe,’’ he said.Hillsong said the camp differed from music festivals and the organisation was committed to a COVID-safe plan.‘‘Our camps involve primarily outdoor recreational activities including sports and games. We follow strict COVID procedures and adhere to government guidelines,’’ it said.‘‘Outdoor Christian services are held during the camp but these are only a small part of the program.’’It said the video of attendees singing and dancing represented ‘‘only a small part of each service’’.Yesterday, the state government announced its rent regulation would be extended by another two months to March 2022. ‘‘Small business is the engine room of our economy and we need to make sure we support impacted businesses through this latest Omicron wave,’’ NSW Treasurer Matt Kean said. ‘‘With staff shortages and reduced foot traffic, many businesses are struggling at the moment but the ability to negotiate rent will give them a buffer so they can keep the lights on now and recover more quickly.’’Business tenants can access rent relief if they have an annual turnover of less than $5 million. Rent relief has the same eligibility criteria as the discontinued JobSaver and Micro-business Grant programs.It comes as almost 1000 NSW Health workers have resigned or been sacked after refusing to be vaccinated against COVID-19, placing further pressure on the hospital system that has seen coronavirus patient admissions almost triple within a fortnight. As hospitals and general practices are overwhelmed with surging cases and almost 6000 healthcare workers are isolated across NSW due to COVID-19 exposure, the state’s health department on Friday confirmed 995 of its 170,000-strong workforce had resigned or been stood down after refusing the vaccine.

13/01/2022

NDIS- An Unsuccessful Privatisation of the Welfare System

13 January 2022

I was never in favour of the National Disability Insurance System as I saw it as a defacto privatisation and reliance on a ‘market’ which would have another layer of assessors, who may or may not get it right in a single interview, the award of ‘packages’ of money which may or may not be enough and/or may or may not be wisely spend. The greatest problem was that as a ’market’ it would be always liable to have glossy marketing to vulnerable families, with services delivered as cheaply as possible, by unqualified people and profits skimmed off. The government coffers were topped up by increasing the Medicare levy, which just ensured that the private sector was given huge amounts of public money.

When I was in the NSW Parliament’s Social Issues Committee which looked at the issue, a key problem was that there was no actual numbers of what the needs were for disability services. There were two ways of calculating it. The first was to add up all the people on benefits on the assumption that everyone who needed benefits was getting them. The other way was to ask the Australian Institute of Health and Welfare (AIHW), the government-funded research body what percentage of the population had a disability and multiply that percentage by the population. Their answer was many multiples of those on welfare, presumably either because their relatives or support networks were looking after their problems, or there was unmet need.

It seemed obvious that:

There would be a huge increase in demand when more resources were (at least in theory) available
There would be a lot of bureaucracy that would waste a lot of money
Those actually doing the job and who knew the needs at a practical level would have less control so the decision making would worsen
There would be a lot of profiteering
Disability workers would face a race to the bottom in pay and conditions.

It might be noted that NDIS cuts out when you are 65, so the whole process restarts with recipients having to apply for a Disability Support Pension (DSP). The current government has boasted that it is putting only a third as many people on the DSP as formerly. My experience was that when the NSW government stopped all Workers Comp payments after 5 years, many people who had been on this support for 5 year at least had to apply for the DSP. Figures were rubbery as the NSW government did not want to know how many people were simply tipped off income support, but the best estimate was that about 20% got the DSP and the rest had to go on Jobseeker. I wrote a lot of detailed medical reports for people who were still unable to get the DSP, and then the government wrote to me and said that I could only charge a very modest Medicare amount to write such reports, so presumably doctors will not be able to take much time on them. I cannot write them in the time that the allowance pays. I had one patient who was 61, ethnic, unskilled and illiterate in English who had been on compensation for a back injury 13 years and was carer for an invalid wife and was refused the DSP despite my best efforts and put into the ‘mutual obligation’ multiple job application system.

But to get back to the NDIS itself, I recently chanced across this article recently from an old issue of Green Left Weekly- a personal story. It seems very credible.

My view is the NDIS needs to be abolished, but it will be very hard to rebuild a public welfare support system against a well-funded and established private lobby that is making a fortune and has at least one major party ready to undo any efforts in this direction.

NDIS is also making life harder for disability workers

Janine Brown, Melbourne, February 8, 2019, Green Left Weekly Issue 1208

I am employed as a disability support worker by a council and, since the introduction of the National Disability Insurance Scheme (NDIS), I will soon lose my job. This is my story.

I am in transition to becoming “self-employed” with an ABN (Australian Business Number), which makes me a small business, and enables me to sign individual contracts with each client.

The other alternative was to become an employee of a private company that has contracts with NDIS clients.

From these two bad choices, I decided to go with the former.

We have been told that NDIS will be much better for hundreds of thousands of Australians. But is it?

Once families receive NDIS funding, it is their responsibility to make the choices for their child or adult family member and manage their finances over a 12-month period.

The idea that they are in control of the life choices of their family member may sound appealing. But the stress levels rise with the amount of bookkeeping required and when it is difficult to clearly define their needs.

Parents are encouraged to employ an advisor, but that person is paid for by the funding for their family member. That NDIS planner will recommend “one of theirs”, someone who will ask many questions and tick many boxes but who doesn’t really know the needs and interests of the person concerned.

I was once supporting a child at home when the NDIS planner was interviewing his parents. One of the questions was “Do you own your home?” I invited the planner to meet the child but she declined, saying it wasn’t necessary.

As much as I agree with giving parents options in choosing a carer for their child, the options being presented are often inadequate to the task at hand.

By privatising the disability sector, many people are obtaining an ABN (which is easy to do online) and presenting themselves as a qualified support worker. They do not need background checks and parents who search online for support workers only see promotional material.

I am qualified and have many years of experience, but l am now in competition with an untrained person who is willing to provide “services” at a cheaper rate. They call it business. I call it a dangerous rort.

NDIS has also meant that our work is now casual: we no longer have permanent employment with leave benefits, superannuation and union support.

A few weeks ago a parent asked me to do a buddy shift with a potential new carer as she lives near the client. Having a carer nearby is appealing for parents who may need to call on you at the last minute.

l agreed to do the shadow shift. I found that the inexperienced carer had no idea about the work responsibilities or the safety measures. She had no knowledge about supporting someone who is non-verbal with behavioural difficulties, who needs support in all aspects of daily life. She appeared to be more interested in the times of shifts, rather than the child’s needs.

It is easy to be blinded by the NDIS marketing, but just as the privatisation of the aged care sector has led to cuts in staff, quality meals and wound management, the same is true for the disAbility sector.

There are also many grey areas concerning the care of people with a disability.

Statistics show that as the number of people being diagnosed with autism (done by general practioners) has increased in the past few years. This adds to the NDIS budget.

As a result, NDIS bureaucrats are thinking of using “their people” to make the diagnosis. If this happens, we can expect a decline in the numbers of people being diagnosed with autism and many who need support will not be eligible for funding for appropriate services.

Another grey area concerns supporting people transitioning from childhood to adulthood, and teaching them to become more independent.

It is sometimes possible to teach a person to take public transport to an activity. However, it becomes a crisis situation when the bus/tram/train is late or cancelled and the person has lost all points of reference and they have to navigate replacement measures.

The NDIS planner may have ticked a box for someone to take public transport to an activity when things are going well, but an unexpected or crisis situation which causes the person anxiety is not factored into the plan.

It is imperative that we continue to support vulnerable people in our community. We must not be blinded by the NDIS hype when the reality is vastly different.

www.greenleft.org.au/content/ndis-also-making-life-harder-disability-workers