The Working Catholic: In Praise of Cash Bill Droel

It says “legal tender for all debts private and public.” But cash is out. Indeed, some businesses now refuse cash, including a hair salon in Los Angeles, a few pretentious chain restaurants and several small shops. Visa has declared “a war on cash,” reports New York Times (12/6/18). Other credit companies are implicit allies in that war. Only 30% of transactions by one survey currently involve cash, says Wall St. Journal (12/30/18). Most cash transactions are in small amounts; 55% of them are for less than $10. The popular alternative to cash is called a credit card. However, cards are also out. Nowadays a purchaser obtains ready credit through an app on a mobile device. It is not swiped; it is tapped.

We crusty old-timers prefer cash. This is not only because a cashless economy further impoverishes those without access to credit. There are other troubling consequences of going cashless, ones that threaten middle-class families.

Number One. Cash is or was a nearly universal societal benefit. The trend these days is to allow private companies to own public life. The outcome of this trend is generally no good. Prime evidence here in Chicago is the expensive parking facilities in the Loop and elsewhere. Citizens do not benefit from the revenue; a private entity does. Likewise, the ubiquitous cameras that catch any and all minor traffic miscues would be annoying enough if the tickets’ revenue went to our city. But a private company has the contract. Prohibiting cash in favor of private currency is another destruction of the public realm.

Number Two. A cashless private economy is premised on automation. Working-class jobs at what were once called cash registers are disappearing. It is entirely possible to stock one’s grocery cart and put the produce, meat and bread in one’s car without dealing with a grocery clerk. The same impersonal approach is taking over in restaurants. Banks don’t have tellers.

Number Three. Another result of cyber-automation is increased violation of privacy. The private company that extends credit and the retailer join forces to develop one’s consumer profile. This is used by the retailer to pitch more products or it is sold to other private companies. Also, cyber-banking and cyber-transactions expose one’s cyber-wallet to thieves. The best robbers these days eschew cash; they prefer hacking.

Number Four. It is true that credit, wisely obtained and carefully managed, can be a form of wealth. A home mortgage obtained from a neighborhood bank or credit union is an investment. Credit perhaps leads to wealth in sophisticated margin trading in 90-day stock options. Right? Most credit obtained by working families, however, is basically usury. There is no credit app (formerly called a credit card) that comes without a line of credit and interest fees. The singular factor that hampers the financial standing of working class families is credit app/card debt.

 Is it possible to manage a household without credit? It is possible, but it requires resistance to the new capitalism—a capital economy in which products are not that important but in which investment rules. How to manage without credit? Get a checking account from a neighborhood bank or credit union. Don’t deal with Wells Fargo or other national entities. Do not accept any line of credit on the account. Don’t cyber-shop too much. Use the currency that comes with a picture of President Andrew Jackson (1767-1845), President Ulysses Grant (1822-1885) or other notables. If you already have a credit card/app and you made only a partial payment last month, see a reputable, neighborhood-based finance advisor immediately.

Droel edits a free printed newsletter on faith and work,

INITIATIVES (PO Box 291102, Chicago, IL 60629)

The Working Catholic: Strikes by Bill Droel

         Not so long ago strikes were deemed counterproductive, says Commonweal magazine (3/26/18). That was until this past February when 20,000 teachers in West Virginia walked off the job. This job action, Commonweal notes, initially occurred “without collective bargaining powers or the legal right to go on strike.” Yet it was “well-executed [and] wide-scale… Its size and scope proved critical.” With visible public sympathy and sufficient solidarity, the West Virginia teachers were successful. Credit goes to “a decentralized rank-and-file made up mostly of women,” Commonweal concludes.

The West Virginia example does not mean that the strike tactic is back. Nor that it is a sure-fire remedy to income inequality. Strikes are still rare in our country--maybe a dozen notable ones per year. Further, strikes are often broken with no immediate improvement for our country’s workers.

The full positive results of a strike and of the union movement itself might only materialize some years after the event. That’s a conclusion to draw from A History of America in Ten Strikes by Erik Loomis (The New Press, 2018).

The book’s first chapter centers on the “mill girls” of the early 19^th century. A New England economy based entirely on farms and craft shops gave way in 1793 when Samuel Slater (1768-1835) opened a textile mill in Pawtucket, RI. Francis Cabot Lowell (1775-1817) thereafter opened another mill along the Charles River in Boston. His company expanded after his death, including a mill along the Merrimack River in a town renamed for Lowell. That town was nicknamed Spindle City because by the mid-1800s its 40 textile mills and 10,000 looms, operating six days a week, produced about 100million yards of cloth per year. 

            Instead of using child labor these mills recruited young women from area farms and elsewhere. The young workers, who were capable of operating somewhat complicated machines, lived in boarding houses and were encouraged to read and to attend cultural events. For some young women at the time, it was considered a great adventure to assert independence from their families. However, workdays were routinely 13 hours. The definition of young woman was really teenager. The workers paid for their company housing and their employer increased rent when the company wanted more discipline.

In 1834 and again in 1836 the town’s mills cut wages. In both cases a strike spread to several mills, but was crushed within a week. In 1845 the young women added a strategy: Documenting health and safety concerns and then testifying in favor of a state-mandated 10-hour workday. Only nearby New Hampshire legislated 10 hours, but its mills ignored the law with impunity.

Think about the struggle of these young workers come February 2019 when your donut shop hands you some change. You might see a quarter honoring Lowell National Historical Park (www.nps.gov/lowe). On the quarter is a woman toiling at a cotton loom and a clock tower in the background. Modernity requires increased public awareness of hours and minutes. Thus one town after another installed mechanical clock towers. The Boott Mill clock tower of 1835, as depicted on the new coin, symbolizes New England’s transition from a village economy to an industrial economy—for better and for worse.

Loomis anchors another chapter of Ten Strikes with autoworkers in Flint during December 1936-January 1937. As with the West Virginia teachers, these autoworkers were two steps ahead of their union leaders. Most strikes, of course, occur outdoors. They include picket lines, protest signs, maybe lawn chairs and maybe a huge inflatable rat. But the strike in Flint was different. The workers sat to conquer. That is, they stayed inside; commandeering in a sense all of General Motors’ expensive equipment. Again as in West Virginia, the women from town played the crucial role. With coordination they brought food and newspapers into the plant; they rallied citizen support, not only in Flint but in other locales.

The AFL at this time, Loomis explains, was focused on craft workers across lines of employers. The door was thus open for the United Mine Workers, the United Auto Workers and the CIO to organize all the workers of a single employer and then all the workers in a specified industry. The champion of this type of organizing was John L. Lewis (1880-1969), and he was a major factor in the Flint job action.

Loomis drives home one of his main themes in this chapter. There are three major players in the national economy: big business, organized families/workers and government. Workers cannot make headway, Loomis argues, without some support from government. In the Flint example, the workers’ ally was Governor Frank Murphy (1890-1949), who was later appointed to the Supreme Court. At a tense moment, Murphy sent the National Guard to the General Motors plant. But not—as was expected—to evict the workers. Murphy had the National Guard protect the workers. General Motors was soon ushered to the bargaining table where they gave recognition to Lewis and the United Auto Workers.

Ten Strikes is a good introduction to U.S. labor history. Loomis, however, trips on his rhetoric once or twice. Workers today must take back “our dignity from our employer,” he wrongly writes.

No employer can give a worker dignity. A job promotion does not confer dignity. An employee of the month award is not about dignity. Paternalism is incapable of adding to dignity. Likewise, no employer can take away an employee’s dignity. Harassment, for example, is a sin, but it does not diminish the essence of a person. No one loses an ounce of dignity if his or her hours are cut. Dignity is innate; it is God-given. This is important to believe. This is a truth about power. Each person—middle manager, owner, janitor, skilled engineer, clerk, receptionist and more—possesses as a gift from birth the power of one’s own dignity. It can’t be given away; it can’t be taken away. Don’t ever think that it can.

Droel edits INITIATIVES (PO Box 291102, Chicago, IL 60629), a print newsletter on faith and work.

The Working Catholic: Bad Words by William Droel

Violent language keeps company with violent behavior. The former does not usually cause the latter directly, but in due time violence can follow. To be clear by way of an example, the rhetoric of Sarah Palin did not incite the January 2011 shooting of Rep. Gabrielle Giffords and others, six of whom died. Palin, the Republican vice-presidential candidate in 2008, had an advertisement that put some Congressional districts (not individual candidates) in a mock crosshairs during the 2010 midterm campaign, including Giffords’ Arizona district. But those who said the shooting was a direct consequence of Palin’s violence-tinged electioneering (using slogans like “Don’t Retreat, Reload” and “Take Up Arms”) were jumping to a simplistic conclusion or, in her odd phrase, engaging in “blood libel.” Not to say that no relationship exists between violent metaphors or hateful rhetoric and physical attacks.

Violent language originates in and plays upon resentment. Though the hateful speaker appears tough and rugged, she or he is insecure. For example, Palin (now like President Donald Trump) has no public identity apart from the reaction of those who believe she is over the top. Her insecurity (like Trump’s) requires so-called enemies to fill her inner void by reacting to outrageous statements.

“The resentment felt today is the product of widespread feelings of powerlessness, writes Jeremy Engels in his important The Politics of Resentment: A Genealogy (Penn State Press, 2015). Those anger feelings are legitimate but become problematic when expressed with no context and directed at mistaken adversaries. Resentment is ineffective. Its expression soon enough turns back to the frustrated person, whose self-image becomes an inadequate victim. Resentment is all around these days because some of our “politicians and our sensationalized media seem intent on training citizens to be frightened, frustrated, apathetic, acquiescent and ultimately [more] resentful,” says Engels, who details the Palin-Giffords example. The politics of resentment is nefarious because it plays upon an honest desire for powerful reform but employs life-destroying strategies. Of course, some local, national and international figures play on resentment. Listen to them carefully: Their alternative to the status quo is always vague. They usually offer no lasting reform policy or improved organization and thus their promises only result in more alienation.

Resentment is like an addiction, which is why it seems like fun for awhile. However, it only pulls down. A resentful person, truth be told, has made herself or himself dependent on a larger force without being able to do anything about it.

The opposite of resentment is gratitude. Anyone who desires effective social reform must believe that the world and its environs is a gift. Maybe that belief is not explicitly stated upon awakening each morning. Maybe the word thanks is not used. But a person who is capable of improving his or her business or church or neighborhood or political party is a grateful person. Such a person knows that she or he is not self-made. He or she realizes that one’s interests have to be negotiated among the rights and wishes of others and that the beautiful gift of freedom implies care for one’s family, for society and to a degree for the world.

Let’s not get soft here. Politics is hardball. Business can be quite competitive. Civic groups can strike fierce poses. Specific interests must often be strongly asserted. Issues get sharply framed. Meetings get contentious. In democratic public life there are adversaries, opponents and perennial rivals. In a democracy, however, there are no enemies. Social change advocates and politicians who use that word betray the gift of our country. At a minimum they exhibit self-righteousness. Worse, they open a door to violence. In war there are enemies. In regular public life the word enemy, and other violent phrases, are not to be used.

Droel’s booklet, Public Friendship, is available from National Center for the Laity (PO Box 291102, Chicago, IL 60629; $5)

THE CHRISTMAS STORY

THE JOY OF FAITH IN THE FACE OF TRAGEDY

Escape from the violence:

   The angel said to Joseph,

 “Cross the border to Egypt -

   Save the mother and the child from Herod!”  Mt. 2:16-18

‘La Llorona’ at the border:

   A voice was heard at Tijuana

   Sobbing and loudly lamenting:

   She was weeping for her children -

   Because they’re lost.  Mt. 2:16-18

The prophet sees Hope and tragedy:

   Nothing will be the same -

   A sword will pierce her heart. Luke: 2:33-35-38

But Hope with Faith and Love is the core of the story:

   The angels sang at his birth: “With God’s blessing-

   Peace on earth to all.” Luke 2: 8-15

   The Lion and the Lamb will live together as friends. Is. 11:33-38

The Working Catholic: Misdirected Idealism Bill Droel

John McKnight directs Asset-Based Community Development Institute at DePaul University. He objects to the standard approach toward a neighborhood by urban planners, government officials, and bank executives, building inspectors, social workers, some police officers and even some teachers. Instead of projecting joy and enthusiasm, they give exclusive attention to a neighborhood’s defects (old buildings, broken curbs, high number of transients, roaming delinquents, dim street lights and more). The well-meaning prophets of doom sometimes propose cosmetic interventions (new basketball hoops and additional street sweeping) to buoy drooping spirits of families. 

McKnight, contrary to standard understanding, thinks many seemingly good interventions are in fact disabling help. A forceful ideology, he details, assumes some people are not competent neighbors; they are instead clients with deficient parts. This ideology is apolitical. There is no need to radically address the economic or cultural environment. Service, sincerely delivered, is an unquestioned good. There is no compelling need to explain why our country has terrific medical discoveries and many improved medical instruments and yet poor health. Or why our country has lots of knowledge about food and great interest in culinary arts and yet poor nutrition. Or lots of new classroom technology and yet declining reading scores.   

Anand Giridharadas applies this analysis to those who sincerely believe that by doing well they can do good. Idealistic students, enterprising tech engineers and many innovators in finance “declare themselves partisans of change,” he writes in Winners Take All: the Elite Charade of Changing the World (Knopf, 2018). Yet they selectively take on problems with projects they design, jumping over most of the people affected by the problem and quite often blocking government agencies from access to the problem. The goodwill of these educated and highly positioned do-gooders is insufficient, Giridharadas argues. In many cases it is harmful.

The tech entrepreneurs and the enterprising finance wizards, Giridharadas says, believe that “to change the world you must rely on the techniques, resources and personnel of capitalism.” The approach of these economic and cultural leaders is taught to students at big-name colleges. “The private push into world betterment,” he continues, sidelines “the older language of power, justice and rights.” Instead, the elite-style of social change uses phrases like leveraged data, social impact, and incubation of ideas, start-up venture, empowering endeavor, social enterprise club, impact investment and more. 

The internet began in the mid-1960s, first among select engineers. It soon grew in scope and now is, of course, nearly universally used constantly by way of many types of devices. A philosophy came along with the hardware and the programs. The big tech players and their fans, says Giridharadas, believe in the leveling ability of technology. Everyone is entitled to access, they say, and extensive use of cyberspace, in and of itself, increases equality. (See for example The World Is Flat by Thomas Friedman, Picador, 2007.) 

Perhaps the tech giants are sincere. But their notion of change always includes a payoff for the tech entity and never addresses the basics of our economic system or our dominant culture. Keep in mind: Today’s tech industry is more concentrated than any other sector. A small number of people own the entire infrastructure. Their companies greatly add to wealth inequality.

Is it better then for tech leaders and for young adults who aspire to do good and do well to stifle their philanthropy and cease their forays into social problems? Might they simply put their excess wealth and lingering idealism back into their portfolio?

Catholic social doctrine has pertinent principles. According to subsidiarity, decisions should be made as close as possible to those affected by the decision. Maternalism or paternalism is a step or two removed from the scene. For example, says Catholicism, workers make the decision for or against a union without interference from management, even if management seemingly knows better. According to the principle of participation, a society increases in justice as more families have an increasing stake in the economy and the direction of culture. Catholicism favors private property and never requires exact material equality of income or wealth. It does insist, however, that all families have agency—usually by way of intermediate associations.

Context is a crucial difference between tech/finance philosophy and Catholicism. Individuals login and travel around the tech world as they please. In Catholicism, there is no such thing as a person without an environment; without family, friends, clubs, and more. A large portion of the social environment, Catholicism appreciates, is a gift. 

Winners Take All is an important critique; one made by only a small number of other commentators like John McKnight in The Careless Society (Basic Books, 1995) and more recently by Thomas Frank in Listen Liberal (Henry Holt, 2016).

Droel is the author of Public Friendship (National Center for the Laity, PO Box 291102, Chicago, IL 60629; $5)

The Working Catholic: Media/Tech Companies, Part II by Bill Droel

The Homestead Steel Strike of 1892 is among the most significant chapters in U.S. labor relations history. Homestead, Pennsylvania is just south of Pittsburgh, on the west bank of the Monongahela River.  Andrew Carnegie (1835-1919) owned the prosperous steel mill there. Some of its workers were highly skilled and belonged to a craft union, Amalgamated Association of Iron and Steel Workers. Carnegie was determined to break this union. He cut wages. Knowing there would be trouble, he enlisted the Pinkerton Detective Agency to assist him. At that time Pinkerton employed more agents than the U.S. Army had soldiers. The 1892 event resembled a naval siege; the union was eventually broken.

Elizabeth Kolbert, writing in The New Yorker (8/27/18), reminds us that several months before the Homestead Strike Carnegie wrote a pamphlet about disposing of one’s fortune. Titled The Gospel of Wealth (www.carnegie.org), it argues against a big inheritance for one’s children. It also argues against handing out money to the poor. Instead, Carnegie said the wealthy have an obligation to endow institutions that benefit the public—universities, libraries, cultural centers and more. 

The juxtaposition of Carnegie’s pamphlet and his management of Homestead Steel “made explicit” to critics “the inconsistency of Carnegie’s position,” Kolbert writes. “How could a person ruthlessly exploit his employees and, at the same time, claim to be a benefactor of the toiling masses?” Why, for example, didn’t Carnegie endow a pension fund for his employees?

Carnegie was not alone. When it comes to charity, most companies and foundations in our country are guided by the so-called Protestant business ethic. Deserving individuals or the public at large are assisted by targeted programs or enrichment venues. However, the programs never challenge the system and the benefactors never question “too deeply how it is they came to do so well,” Kolbert concludes.

The attitude of 19^th and 20^th century industrial titans parallels that of our 21^st century tech titans and their admirers. The big tech players today—the founders, the original investors and the elite engineers—are technology determinists. As Evgeny Morozov puts it in To Save Everything Click Here (Perseus Books, 2013), each and every application of technology is “inherently good in itself, regardless of its social or political consequences.”  In fact, if someone happens to notice a social problem, then its solution is more technology. Homelessness, to give an extreme example, is tolerable with an app that makes streets feel like home. Or as a Google executive said: If you want to solve economic problems, create more entrepreneurs. 

Central to the philosophy of the tech leaders is their belief that they are doing something for the greater good, both in their business ventures and in their philanthropic enterprises. Some of them are sincere. Their frame of reference from high school all the way to their current position never included concepts like structural evil or the priority of labor or even an obligation to the common good (which is not the same as calculation of a common denominator). 

When it comes to their big charity ventures, explains Anand Giridharadas in Winners Take All (Alfred Knopf, 2018), the high-tech players plus their financial and political admirers assume a noble posture. They cannot imagine that their good intentions might actually be making things worse. There is no need to consider any systematic change, they presume. Inequality cannot be causing more suffering because doesn’t the economy allow for universal opportunity?

 The big stage for tech philanthropy is the conference circuit. Events are held on Cape Cod, in Silicon Valley, in Colorado, often in Manhattan, maybe in Switzerland or France. Headliners often include Hillary Clinton, Chelsea Clinton and movie starlets. They are joined by guests who have a startup project in Los Angeles or Africa. These events are low on content, high on puff, says Giridharadas. Key phrases at the conference include incredible, amazing, awe-inspiring, empowering and the like.  

The leaders of big tech companies want to do good, they say. But they never challenge power arrangements in our society. All of this, I suppose, is too much of a moral burden to place on someone who simply hails an Uber ride or orders through Amazon.  But today’s tech industry is far from morally neutral. It warrants moral consideration. To be continued…

Droel edits a printed newsletter about faith and work, INITIATIVES (PO Box 291102, Chicago, IL 60629).

What's Brewing in the Miller Park Cauldron for the Dodgie Dodgers Who Claim to be Angels?

October 2018. Purley, London ( just this side of the Gates)


Gosh Hader is the Master Brewer of the Crew potions.  His ingredients are Yuckie water from the Kinnickinnic River, stale Whitefish from the Bay, and Milorganite fertilizer from Jones Island.

The eagle keeper Aguilar will release the Eagles ( aguilas) to attack the Dodgie Dodgers as they are overwhelmed by the brew.


Happy Halloween to all and remember the 'fifth of November' and drink responsibly.