Hacker News new | past | comments | ask | show | jobs | submit login

It... depends.

Personally, I have everything automated. Including one incredibly dumb thing: I have to pay my homeowners' association dues (I live in a small condo building, so we have shared expenses) by check, so I have my bank mail a check to their bank. It's incredibly dumb that I can't easily set up an automated electronic bank transfer, but at least I can automate mailing a paper check.

US government agencies can also be annoying about this. For example, the city/county of San Francisco does not offer a way to automatically pay property taxes, which are billed twice a year. (My mortgage lender pays mine for me via an escrow account that gets funded along with my automatic monthly mortgage payment.)

But a lot of people in the US are un- or under-banked, and don't always have access to automation, if the people/orgs they have to pay support any kind of automation at all. Many landlords (especially those who cater to lower-income folks) will only accept cash or check. Many people who have to pay them don't have an online bill-pay system. And even many who could automate things, don't, because their finances are precarious enough that they will sometimes choose to skip a credit card payment, or pay their rent late, etc., and they'll make these decisions month-to-month.

If many people in the US were in jail for two months, after the first month (of not working, thus not getting paid) they wouldn't have enough money in their bank account to cover all their monthly bills. An unfortunate amount of people here live paycheck-to-paycheck.

Also consider that there's a lot of overlap between people who have unstable finances and people who are more likely to get caught up in the justice system, regardless of their innocence or guilt.




Guidelines | FAQ | Lists | API | Security | Legal | Apply to YC | Contact

Search: