loan

The Banks Are Up You See

thug life karma

They say that after the storm you will never be the same
And he remembers when it started to rain
At first a few drops and then a huge torrent
None consequences he did warrant
He fought tooth and nail to keep things going
But pretty soon in debt he was overflowing

And the banks were closing in
First letters then phone calls did begin
A faceless voice he’d never met
Berated and chased him over some debt

Every Friday evening the telephone rang
So that for the weekend, with worry his head would hang
And at 5 o’clock each Christmas Eve
His festive cheer they would thieve
With a simple call from a known number
To fuck with his head and disturb his spirited slumber

It’s easy to forget when they’re suited pricks
But these are some of their lesser known tactics
Mounting his bill with their interests and thick tax
Piling his green into their bottomless sacks
Then they demand for him to be submissive
All the while ignoring their past behaviour so permissive
When it was them that held his hand
And said we’re partners in this land

Now called in for a meeting
His peace rattled by these bullies mistreating
The smarmy shylock talks so authoritative
It’s difficult to think he’s a human native
“I’m afraid you can’t have children
Not until you pay us back this half a million”

A proposition steeped in audacity
That they could set the opacity
On his futures light
And they think they’ve got that right!?

If you read the terms and conditions
Never did he sign away his loin’s fruitions
But they want their pound of flesh
And by God they seek it fresh

Times I’ve wondered are those clerks to blame
Perhaps not, but I hope upon their soul they bear some shame
Because after all the Nazis were only following orders
And these boys obeyed the greedy money hoarders

Practicing predatory lending, encouraging imprudent spending
Vicious victimization, for the sake of profit optimization
Then seductive securitization, their true aim capital colonization
And you’re telling me an institution filled with minds of intelligence
Can plausibly plead such innocence
Because when the chips are downed
That’s when they come around
Sounds like an organization run by Al Capones
But worse than his, this behaviour our government condones

So looking back, his whole life a calm before the storm
Friends, family and home his daily norm
Lives intertwined with random rendezvous’
Once something they thought they would never lose

Time together for granted taken
Until their earthly foundation was shaken
Their cadence collapsed
The familial rhythm relapsed
Unemployable he was now branded
So from his homeland he disbanded

And how long ‘til it’s on the teabags
His tale from rubble to trouble and riches to rags
The thing that’s really funny
Is he never actually had that much money
It was all just decorated on paper
Now evaporated like water vapour
“Millionaires in bricks and mortar”
But bankrupted in the space of a fiscal quarter