Analista de Dados, ex-Advogado. Especialista em Processo Penal (PUC/SP). MSc. em H. Econ. (USP).
Gamer e Fundador, Editor e Diretor de Conteúdo do @BemCapital
@drunkbronson1@QuartoSinistro sim, mas nem toda inovação é disruptiva nem intensa
as vezes o cara pode so achar uma nova forma de relação causal em momento X que so vai ser utilizada dentro de um esquema de inovação disruptivo em momento Y
cienciometria é a matéria que mapeia essas relações
Por décadas, cada pagamento feito no Brasil gerou receita para uma cadeia invisível de intermediários. Bancos, bandeiras, operadoras — todos cobrando uma fatia de cada transação.
Mas aí veio o Pix e mudou esse equilíbrio de forma tão radical, que governos estrangeiros se sentiram incomodados.
O que parece uma briga sobre transferências é, na verdade, uma disputa sobre quem controla o dinheiro — e quanto desse dinheiro — que circula no mundo.
@EconomiaXavier eu conheci um cara que tinha 25 barracas de cafe da manha (essas de ponto de onibus em SP msm)
ele tinha 2 cozinhas industriais e uma frota de 5~6 kombis para abastecer a logistica da operação
segundo ele, tirava bruto 6~8 mil por dia
Milton Friedman's greatest regret.
The federal government discovered the perfect crime in 1943: make employers collect taxes before workers ever see their paychecks. You think you earn $60,000 per year, but you actually earn $75,000 and hand over $15,000 to politicians without ever touching it. The psychological difference is enormous.
Before payroll withholding, Americans wrote quarterly checks directly to the Treasury. Picture yourself sitting at your kitchen table, writing a $3,750 check to the IRS every three months. The pain was immediate and visceral. Politicians faced constant pressure to justify every dollar because citizens felt the extraction in real time.
Withholding transforms this concrete loss into an abstract accounting entry. Your employer becomes an unpaid tax collector, and you never experience the actual cost of government. Worse, most people celebrate their tax refunds as government generosity rather than recognizing them as interest-free loans they provided to politicians. The Treasury collects your money throughout the year, spends it immediately, then returns your own cash and receives gratitude.
This system enables the explosion in government spending you witness today. Defense contractors billing $640 for toilet seats, agricultural subsidies for corn syrup, and congressional salaries for 535 people who rarely show up to work. When taxation feels painless, voters stop demanding accountability for how their money gets spent.
Milton Friedman helped design withholding as a wartime emergency measure and later called it his greatest regret. Free market economists recognized that the psychological pain of direct taxation creates political pressure for fiscal restraint. The temporary always becomes permanent in government hands, and the emergency justification disappears while the extraction mechanism remains forever.