Kavinkumar Ramasamy

Rant of an average person

[Kavinkumar Ramasamy @_Rkavin]

The most important thing that needs to be added to school curriculum

- understanding your social , political and economic privilege in an unequal society

[Kavinkumar Ramasamy @_Rkavin]

Caste census results will be fun in TN !

[Kavinkumar Ramasamy @_Rkavin]

@muthugg Enna பூட்டு போட்டு vechirukeenga

[Kavinkumar Ramasamy @_Rkavin]

@Macrobysunil Keep printing money and expect world to work their asses off to stay at the exact same place !

[Macro Liquidity by Sunil Reddy @Macrobysunil]

Birthrate collapse is not a mystery. It is the final outcome of financialization.

People are not having fewer children only because of “modern lifestyle,” “education,” or “individual choice.”

They are having fewer children because the cost of starting a family has been inflated by the monetary and financial system itself.

The biggest example is housing.

Mortgages were sold as a tool to make homes affordable.
But in reality, easy credit allowed buyers to borrow more, and sellers simply capitalized that extra borrowing power into higher home prices.

So the mortgage did not make the house cheaper.

It converted 20–30 years of future income into today’s house price.

A home stopped being shelter and became a leveraged financial asset.

This is why every generation needs more debt than the previous generation just to buy the same basic life.

Education followed the same path.

Once education became linked to loans, private institutions, coaching industries, credential inflation, and job insecurity, the price of education exploded.

Families are forced to pay whatever it takes because education is marketed as the only escape from poverty.

So education stopped being a public good and became a financial product.

Healthcare became a billing machine.
Childcare became unaffordable.
Urban living became rent extraction.
Marriage itself became a high-cost event.

By the time a young couple thinks about children, they are not thinking emotionally.

They are calculating EMI, rent, school fees, medical bills, job security, childcare costs, and whether one income can survive if the mother takes a break.

This is why fertility falls first among the most urbanized, educated, and financially integrated people.

Not because they hate families.

But because they understand the balance sheet better.

Financialization turns every basic human need into an asset class:

Housing becomes real estate.
Education becomes debt.
Healthcare becomes extraction.
Children become a long-term liability.
Family formation becomes financially risky.

A return to hard money changes this incentive structure.

Under a hard-money system, governments and banks cannot endlessly create credit to inflate asset prices. Debt cannot expand forever without real savings behind it.

That means housing cannot keep rising purely because credit keeps expanding.
Education cannot keep increasing fees simply because loans are available.
Asset owners cannot endlessly get richer through monetary inflation while young workers are forced to chase inflated prices with debt.

Hard money forces the economy back toward savings, production, affordability, and real capital formation.

It does not magically make people have more children.

But it removes the financial system that makes children feel impossible.

A society cannot keep inflating asset prices forever and expect young people to produce the next generation.

When money is constantly diluted, life becomes more expensive.
When life becomes more expensive, family formation gets delayed.
When family formation gets delayed long enough, birthrates collapse.

Fiat money inflates assets.
Hard money protects families.

That is the real demographic crisis.

[Kavinkumar Ramasamy @_Rkavin]

Enjoy your life sir ! The compromises and trade offs are not worth in my view !

[Dr P Thiaga Rajan (PTR) @ptrmadurai]

Going back to study full-time in my 30's led to among the happiest years of my life, forging deeply enriching life-long relationships, and opening up so many new horizons.

Our 25th Reunion last week was sheer joy - full of warmth, love, memories (sailing😁), and learning😊😊😊

[Kavinkumar Ramasamy @_Rkavin]

@Macrobysunil The latest run in AI stocks were exactly similar to the gold run in the last two weeks of January and the crash also looks similar

[Kavinkumar Ramasamy @_Rkavin]

GitHub copilot billing will make sure Indian coders don’t go out of job

[Kavinkumar Ramasamy @_Rkavin]

Vaaila ethana varum ..

[Sun News @sunnewstamil]

#BREAKING | “பயிர்க்கடன் தள்ளுபடியால் 80% விவசாயிகள் பலன் அடைந்துள்ளனர்” -மின்சாரத்துறை அமைச்சர் நிர்மல் குமார்

#SunNews | #FarmLoanWaiver | #NirmalKumar

[Kavinkumar Ramasamy @_Rkavin]

This is what happens when you don’t have self respect ! Ithula vadakkans ah kalikureenga… avanavathu religion kaga vote pannan .. unga nelamai Romba paavam da

[Kavinkumar Ramasamy @_Rkavin]

Expect 2031 elections to be very brutal .. intha decency politics lam velaikke aagathu

[DMK IT WING @DMKITwing]

மூளைச்சலவை செய்யப்பட்ட தற்குறி Cult கூட்டம்!

ஆட்சில இருக்கிறது உங்க கட்சி தவெக. CM இந்த Cult-ன் leader விஜய்! உங்கள சொந்த கட்சி கூட்டத்துக்கே விடாம தடுக்குறது உங்க தலைவன் கிட்ட இருக்கிற போலீஸ்! ஆனா, வெட்கமே இல்லாம 'திமுக ஒழிக'னு கத்துறீங்க!

சுயபுத்தியே இல்லாம மந்தைங்க மாதிரி கத்துற உங்கள 'தற்குறி'னு சொன்னா மட்டும் கோபம் பொத்துக்கிட்டு வருது!

முதல்ல என்ன மேட்ச், எந்த டீம்க்கு எதிரா ஆடுறோம்னு உங்க Cult Leader கிட்ட கேட்டு தெரிஞ்சிட்டு வந்து கத்துங்க!

#TVKFails

[Kavinkumar Ramasamy @_Rkavin]

Narcissism

[DMK IT WING @DMKITwing]

அதுக்கு திமுக தான் காரணம்..

இதுக்கும் திமுக தான் காரணம்..

ஆட்சி அமைக்கவும் திமுக தான் காரணம்..

#TVKFails

[Sun News @sunnewstamil]

#அரசியல்POST | “உலகமே உங்களை சுற்றிதான் இயங்குற மாதிரி..”
-திருச்சி கிழக்கில் முதலமைச்ச்சர் விஜய் பேசியதற்கு அதிமுக கண்டனம்

#SunNews | #ADMK | #TVK | #CoatSuit

[Kavinkumar Ramasamy @_Rkavin]

Election campaign mattum thaan varum pola .. Governance um varathu policy um varathu ! Vaazhga Jananayagam

[Kavinkumar Ramasamy @_Rkavin]

Agree with this .. Time for DMK to reposition itself to get old ADMK position .. If Annamalai announces a new party , things will get more complex.. Time for DMK to be sharp !

[Vamsi Chandran @VamsiChandran]

The narrative that fight is only between TVK & DMK will only open the doors for a new force.
Both TVK & DMK are fighting for the same vote, other side is waiting for a leader.

[DMK IT WING @DMKITwing]

கோட்டைச்சாமி... எந்திரி.. இப்போ நீதான் முதலமைச்சர் இன்னும் தேர்தல் பிரச்சாரம் மாதிரியே பழி போடுட்டு திரியாத...

[Kavinkumar Ramasamy @_Rkavin]

Will be a bet on when the west Asia tension eases and how much oil price will drop !

[Kavinkumar Ramasamy @_Rkavin]

Indigo may be available at very attractive valuations next week / month