I'm not sure if you readers have heard, but the American economy is in something of a pickle. People who had money have lost it in droves while people who never had any money are getting somehow poorer. It's a tough position we're in, seeing as how the people who oil our country's massive commercial machine are... what's the term I'm looking for? Ah, yes. Evil sons of bitches all. The little guy just doesn't have much of a voice when it comes to big business and government-level economics. That doesn't mean the little guy has no voice. Yes, it is that small, screeching, unfathomably annoying voice called the Internet and its ever-expanding echo chamber is Youtube.

The above video is a melodramatic work of soapbox performance art by a mildly disenfranchised American named Ann Minch, or as the web-savvy elite have come to know her, Rockerchic4God. See, the folks over at Bank of America decided to arbitrarily raise her interest rate recently and she got all in a tizzy that she would no longer be able to afford to buy any more scale models of classic cars or horrible tea pots. As a result, she decided to stop paying her credit card bill and make a self-aggrandizing Youtube video using her sob story to get others to do the same.

Now, there are several things wrong with Ms. 4God's video, not the least of which is her choice of background. I understand that she hasn't had an account for very long and maybe hasn't browsed Youtube enough to understand how to make a halfway decent vlog. Had she taken the time to observe the methods of her peers, she might have noticed that many of them record in front of a blank sheet in order to hide their invariably embarrassing hobbies from the outside world, or position their cameras in such a way that the only humiliating thing anyone will see is a wily patch of nose hair. Minch's video, amid its myriad other problems, is so distracting with kitschy decor that it's hard to take her tirade seriously.

This is to say nothing of her rhetorical issues. She consistently refers to Bank of America CEO Ken Lewis as Ken Lay, which is at best a Freudian slip and more likely a sign of Minch's own spotty intellect. She rather bitchily refers to her intentional delinquency as civil disobedience, which is rather iffy considering that actual civil disobedience involves protesting laws one perceives to be unjust, not unpleasant business issues. It's not civil disobedience to refuse to pay your credit card bill just like it isn't civil disobedience to steal unfairly priced hot dogs from a convenience store. See, your credit card bill relates to things you have already purchased and are currently enjoying. I know this concept is foreign to many people, but traditionally when one can't afford something one doesn't get to have it anyway.

If this video was just some ignorant woman complaining about her credit card bill, I wouldn't even pay attention to it. But Minch wants this rant to inspire other people to purposely default in protest. Sure, banks arbitrarily raising interest rates just because they can is a crappy thing to do and ought to be illegal, but I really don't want to live in a world where the pioneers of political change choose monikers like Rockerchic4God. Of course, I could be wrong. Perhaps Thomas Jefferson signed his informal documents Bigplaya76 and Vladimir Lenin spoke to crowds of workers under the pseudonym Goldgokusan420.

My advice to Ann Minch is that she has a garage sale to get rid of her awful knick-knacks and then use the profits to pay off her high APR credit card so we can go back to watching stupid videos of teenagers hurting themselves and failed American Idol contestants covering the latest Beyonce track.