Maybe I’m old-fashioned, but when people talk about rich, I get an image of someone who has a 10,000 square foot mansion or an enormous penthouse in Manhattan, or their own private jet, who drives a car that costs more than our house and whose vacations are often on private islands or on yachts the size of a Navy destroyer.  That’s what it means to be rich.  And I think most people have similar ideas.

That may be why more than a few people I know were incredulous when President Obama declared that couples who make more than $250,000 a year were “rich.”  The general consensus among them was that families that made $250,000 were comfortable, even in some cases fairly well off, and possibly upper-middle class… maybe.  But rich?  No way.

One couple pointed out that while their house was paid for, it had taken 20 years, and that it wasn’t exactly a mansion, but a raised ranch of 3500 square feet with a modest two-car garage on a half-acre lot in a nice neighborhood, but certainly not one filled with mansions or even McMansions… and that she and her husband had only taken one vacation in the past ten years, and that their cars, a four year old GM Denali and a twelve year old RAV, while also paid for, were not exactly luxury vehicles… and that the rest of their possessions were similar… and that what they had saved for retirement might provide them with a comfortable but even more modest lifestyle than what they now enjoy.

Another couple just laughed. They both work in Manhattan, and their combined income, I’d estimate, is probably a little over $200,000. They can’t afford to live in New York itself, not in anything other than a shoebox, and instead own an 1800 square foot co-op apartment – definitely not a luxury one — in the suburbs north of the city and commute to work by train.  Again, they’re certainly not starving or impoverished, but any reasonable person might find it difficult to insist that they are on the borderline of being rich.

I could give example after example of similar instances, of couples making $200,000 – $300,000, who may be well-off, but are anything but rich.  They don’t own a Mercedes or a Rolls-Royce.  They don’t travel first class on the Queen Mary, or have luxury skyboxes at the Superbowl, or millions – or even tens of thousands of dollars – stashed away in Switzerland.  And they don’t squander money on anything.

Now, I know that the IRS statistics say that only something like two percent of the population makes more than $250,000, and only one percent makes more than $450,000, but those numbers can be misleading.  To begin with, there’s a significant difference between income and wealth, and between sources of income.  For example, compare a businessman or a doctor, or a two income family that makes $250,000 a year to an heir or heiress getting the same income from sitting on $20 million in tax-free municipal bonds.  A couple that averages $200,000 in income for 40 years would have to save 25 % of their pre-tax income every year [and closer to a third of their after-tax income] to put away two million dollars… and even with compounding of those assets, they’d likely only provide a retirement income of $50,000- $75,000. That’s certainly comfortable, but rich?  And even with Social Security on top of that, it’s barely middle-class in places like New York, San Francisco, and other high-cost cities.

Rich at $250,000 a year?  I don’t think so, not unless someone can explain how you can have a mansion, a Mercedes, and a private jet on that… and not end up in jail for theft or tax evasion.

Several weeks ago, and perhaps it was longer, one commenter made the astute observation that technology magnifies everything, both the good and the bad. I think that’s definitely true, but, based on reflection and more recent observation, I have the definite feeling that it magnifies some things more than others – and incompetence is one of them.

What’s the basis for this conclusion?  Human nature… and the fact that incompetent actions have a multiplier effect, and when that multiplier effect is magnified by technology, incompetence has a disturbing tendency to spiral into ever greater incompetence because, at least at present, most computer systems are designed to carry out instructions with great efficiency and speed, and if the instructions or the programming are flawed, the magnification of difficulties or ineptness can quickly result in enormous problems.

The great financial meltdown and the ensuing recession from which we still may not have emerged is one very good example. Without computerization and sophisticated software, the development and management [such as it was] of securitized derivatives, CDOs and the like, simply would not have been possible.  Add to that the consolidation of the banking and mortgage industries, and their centralization with decisions being made by a few, again a situation not possible without high technology.  Follow up with sophisticated and high tech profit models, and top off with nano-second securities trading technology.  At that point, we had a highly concentrated and centralized structure where bad decision-making, a lack of competence in understanding what those computer models meant, and a poor understanding, if any understanding, of some basic economics could combine to bring down the entire economy.  And that is exactly what happened.

The lithium-ion battery fiasco with Boeing’s 787 Dreamliner, which could easily have become a disaster, is another example of how technology misused, I venture, can multiply incompetence. Several aviation battery specialists have made the observation that lithium-based batteries have a tendency to overheat if, first, the individual batteries are too large, and, second, if their architecture [i.e., the way in which they are arranged and interconnected] is not well-designed, and, third, if they are overcharged, although so far the third condition does not appear to be a factor.

There are also innumerable simpler forms of technologically multiplied incompetence with often disastrous results, such as the simple combination of cell-phone texting with the operation of an automobile, particularly when the operator’s skills are marginal, in the case of teenage drivers or of tired or distracted drivers.  Or the 80 to 100 car pile-ups that seemly happen routinely anymore because of the combination of incompetent driving [driving too fast for the conditions] in fog or snow. Somehow, I doubt that there were ever hundred-carriage pile-ups.  And how many product recalls have we experienced because of manufacturing or design failures multiplied by the technology of mass production?

Incompetence in data-processing/computer systems is another area where a small incompetence can be multiplied a million-fold.  As I noted in an earlier blog, Delta failed to renew its online website security system, and for two days thousands, if not hundreds of thousands of customers could not make reservations. A software error in the Utah Medicaid system allowed hackers access to personal information of over 700,000 thousand people and the Social Security numbers of more than 280,000 individuals.

Now, the optimists will say, “But look what good technology does.”  I’d agree, but technology’s greatest asset, these days, seems to its efficiency in replacing people, and cutting costs, far more than multiplying benefits.  Yet those people, especially good competent people, are, for lack of a better term, often the circuit-breakers who stop the magnification of incompetence.  So, at present, technological systems are optimized for, if you will, magnification of whatever they do.  That means doing more with fewer people and less oversight and supervision, since one of the areas of employment that’s taken the biggest hit is middle management… and that includes people who can actually solve problems.

Just look at computerized telephone answering systems. If your inquiry doesn’t fit in the proper “box,” it may take what seems like forever to get an answer – if you can at all… and that’s another form of incompetence, magnified by technology.  Now… I may be overcritical, but, all in all, I’m seeing incompetence and outright criminality magnified far more than benefits.

What about you?

Why are so many, if not most, of the news stories about things going wrong, about murders, serial killers, earthquakes, child molesters, kidnappings, and the ugly side of life?  Why does most television/satellite entertainment focus on crime and other forms of ugly sensationalism?  Why do reporters and so-called journalists attempt to get the dirt on anyone and everyone?  Why does almost every public figure have to worry about photographers with telephoto lenses catching them or their children in a private or embarrassing moment?

The simple answer is, of course, that these things sell better, and better ratings mean higher advertising dollars, and because the United States, in general, values more dollars above everything else, the entire media spectrum is looking for the most sensational stories and views. And almost invariably, ugly is more sensational than beautiful – with the one exception of beautiful people, usually women, and usually depicted in ways that are close to pornographic.

But there are a few other reasons, I think.  One is that “ugly” is easy.  Doing something well is difficult.  Creating something inspiring and beautiful is anything but easy. There are ugly stories everywhere, and capturing them doesn’t take that much effort.   Just look at the news  — ugly, violent, ugly, and, oh, yes, one feel-good story for dessert. As far as dramas and comedies go, writing shock-value, in-your-face episodes takes far less talent than does writing something sophisticated or nuanced.

Obviously, that’s not anywhere near the entire reason, because writers and producers wouldn’t produce such well-packaged and expensive productions based on the ugliness in life and human nature if they didn’t sell.  So… why do they sell?

Because people want to feel good about themselves, and in this dumbed-down mass media world in which we live, writing and producing anything that requires thought on the part of the audience limits that audience because people who truly think are in the minority, and when one requires the majority to think, they either get unhappy or bored because they can’t understand it, or angry because it’s not what they like.  Yes, there are some shows and movies that do exalt and display excellence, but all too many of those get poor ratings or are slotted for niche times and markets.

Then, too, there’s the problem of identification.  Characters in mass entertainment can’t show too much excellence – except in the area of sex and mayhem – because people can’t identify with excellence, except, again, in sex, athletics, and violence.  Most people know they aren’t excellent and don’t want to be reminded of that fact.

Now… these are facts and traits that have existed with people for tens of thousands of years, and certainly for the last few thousand. So why are things so bad now?

In some respects… they aren’t any different from what they always were.  Even in the western hemisphere, we’re not all that far removed from torture and executions as public spectacles, and certainly, we’re no strangers to the violence of war.  What has changed, however, is that the media have depersonalized the ugliness that occurs while simultaneously removing it from life.  As someone who has seen people die in front of me, and, in other cases, almost die, I can say that such personally experienced violence and death hits one with a far greater impact than anything that can be depicted on a screen, large or small, as witness the amount of PTSD cases created by war or sustained violence.  By depicting such violence and ugliness as entertainment, presenting it as a step removed from personal experience, if you will, even while calling it real, or a reality show, the media have diluted the impact.  So… in order to increase the impact, they compensate by increasing the ugliness or in-your-face components… until people get used to that, and then they do it again.  And this bleeds over, literally, into other areas.  Baseball was once America’s pastime and favorite sport. Now, the favorite sports are the ones that are far more dangerous and violent, and some sports that were largely about skill and technique, such as basketball, have become often violent contact sports.

In any case, for whatever the reasons, ugly is easy… and profitable, and that’s something I find disturbing and sad.

Apparently, at least eleven U.S. senators and a number of news organizations are concerned about the U.S. use of drone aircraft to kill individuals or small groups whom the Administration determines are a threat to U.S. security. Like most thinking individuals, I believe in checks and balances and Constitutional limitations on the power of any one branch of government, having witnessed and lived through periods of both Congressional and Administration abuse of power, not to mention having concerns about that potential from the Judicial Branch.

Two particular concerns raised by these individuals, however, concern me just as much as the possibility of Executive Branch abuse of power does. The first concern is the idea that an American citizen abroad plotting terrorist activities is somehow different from any other individual plotting terrorist activities. A related concern that has been expressed by some is that the memos being sought allow the president the “power to kill” any American anywhere with no oversight and no legal process. The second major concern is the idea that somehow drone attacks away from the battlefield are in themselves wrong.

What has led to these concerns is that the nature of war and conflict have changed, or rather war has changed, perhaps regressed, from an almost formal pattern of conflict that prevailed for centuries to a wide range of the use of force, including the possible use of everything from terrorism and counter-terrorism to the possible employment of nuclear weapons on a civilization-destroying basis. And neither tactics, strategies, nor legalities have totally kept pace.

All that said, I’m sorry, but a terrorist is a terrorist, regardless of nationality.  There may be very good reasons to limit drone attacks on individuals, but whether the target is an American or a foreign national is not one of them. At the same time, allowing the precedent of targeting an American citizen without due process raises another question.  When and where does an American citizen become an enemy combatant?  Saying that the president or the armed forces cannot attack or kill an American citizen plotting terrorist acts against Americans and others without a warrant is ludicrous, but allowing the president or the government authority to kill expatriate citizens, or other citizen, or for that matter foreign nationals, without defining the conditions that justify such actions could easily allow the “legal” transition to a type of police state.

The question of allowing drone attacks is, at least to me, somewhat less problematic.  There certainly are areas and places and individuals against which drones should not be used, for any number of good and legal, not to mention moral, reasons, but in a world where terror can and has struck anywhere, where terrorists and those supporting them do not limit themselves to a defined battlefield and never will, the idea of limiting the use of drones to a defined battlefield is not only absurd, but also runs the considerable risk of resulting in the killing of not only more soldiers but more civilians.  If one cannot use drones away from the battlefield, then what are the options left to the government?  Terrorists do not respond to negotiations, if indeed, they could even be found for such negotiations; they just want their demands for power met, and virtually every terrorist group ends up killing and oppressing others when it obtains power.  If drones cannot be used, then governments must either do nothing or use other means of force, and that usually means either economic sanctions or boots on the ground, both of which fall disproportionately upon the innocent.

Both of these concerns, if carried to extremes, reflect a certain naiveté, if I’m being kind, or a willful blindness in the service of ideology, if I’m being more honest.

Is there that much difference between someone who shoots someone in a gang war or a robbery and someone who shoots innocents in pursuit of political power?  In either case, people are dead because someone wants something and believes they can get it in no other way.  And in the United States, we have plenty of American citizens, unfortunately, who kill to get something, whether that something is fame, glory, material goods, revenge, or to take their anger out on others. While we do have means to deal with such individuals, assuming we can discover and apprehend them, those mechanisms do not operate overseas, and many countries, especially in parts of Asia and the Middle East, are either actively or passively endorsing terrorists.

The Senate is right to look into the policies adopted and employed by the military and intelligence agencies, but to insist on pre-conditions that exempt all Americans from actions to preclude terrorism or those which may effectively leave our government with no effective way to deal with terrorists in certain countries is anything but wise.

There have been a number of stories lately about the Millennial Generation, loosely defined as those young adults born between 1982 and 2004, and one author has even written a book claiming that the Millennial Generation will be the next great generation.  Let us just say that I have my doubts, but I could certainly be wrong, since that generation has another five to six decades to allay my concerns.

What I do know, however, is that a significant proportion of that generation has an enormous and largely undiagnosed problem that has gone largely unrecognized.  Oh, some of the symptoms of that problem have been widely reported, but these “symptoms” are seen as separate problems, rather than as a manifestation of a far larger problem.

One of those symptoms was reported in a four-page feature spread in The New York Times last Sunday.  It was all about a once-promising young man who ended up overusing a popular attention-deficit disorder drug [Addarall] and who ended up committing suicide at age 24.  The young man had never been diagnosed as having attention deficit disorder and clearly did not.  He had been focused as a teenager, excelled academically, and had gotten a full academic scholarship to a good but not Ivy League caliber college, where he was his college class president and played on the baseball team.  But… in college he had a tendency to procrastinate and then attempt to write papers and cram for exams at the last moment, and that tendency worsened as he progressed in college, and as he relied more and more heavily on drugs such as Addarall.  He wanted to be a doctor, but he didn’t score well enough on the MCAT exams to be accepted at top-flight medical schools. After college, and as adult, he visited doctors and convinced them that he was indeed ADHD and needed Addarall and other attention disorder drugs.  He became violent upon occasion, then paranoid, and depressed and then swore off the drugs for a brief time, which abrupt withdrawal caused even more problems and likely led to his suicide.

What does this sad story have to do with the Millennial Generation?  To me, it’s emblematic of a generation that has far too many members believing that everything can be accomplished instantly and with little real work. Real work, either physical or intellectual, requires focus and concentration… and neither are being taught or instilled to the degree necessary among the younger generation.  No…for all too many of them, it’s the mouse-click, easy button generation.  If you don’t have the self-discipline to study, take a pill to focus your concentration.  If you don’t want to do real research for that paper, use the internet the night before, doctor your plagiarized copied words, fake the references, and turn it in the next morning. If you don’t want to do the hard workouts to stand out in sports, or if they aren’t enough, try various steroids.  If a student can’t or won’t concentrate, all too often the first option is ADHD drugs. If a student, or anyone, is depressed, the first option is usually anti-depressants.

The use of ADHD drugs has become epidemic.  According to the Times, over 14 million prescriptions are filled monthly, and usage by young adults in the age range from 20 to 39 has almost tripled in the last five years.  In addition to that, over 90% of the media-reported school-related shooting incidents involve students or former students on anti-depressants.

Now… to be fair, it’s certainly not entirely their fault, perhaps even largely not their fault.  We have a media culture that extols instant celebrity and instant accomplishment…. and the parents of that generation have made it worse by insisting that an child can do anything if they just “want” it enough. You want to sing professionally?  Don’t bother with years of studying voice and music; just get on “American Idol” or “The Voice.”  You want to write the next great bestseller?  Throw it together on your computer with spell-check and grammar check; get some friends to read it; and then self-publish it as an e-book. The media and the internet are filled with ways to reach instant success.  Then add to that a generation or two of “any child can do anything” and “no child left behind” and incredible numbers of parents who believe that their child can do no wrong, not to mention educational curricula on the primary and secondary level that have become, except in a comparative handful of schools, watered down, and top it off with astounding grade inflation all the way through college and even graduate school, and you have a generation where far too many leave school with vastly inflated ideas of their own competence and often no idea of what real work requires. They also have no idea that there are many things they cannot do, no matter how much they “want” them, and no matter how hard they may try.

What all of this praise, the instant success myth, and the wanting ignore are the hard facts.  Only a few high school athletes will ever become professional athletes, and even fewer become stars.  Only a minuscule percentage of “gifted” school-age writers will ever become best-selling authors.  Medical schools have become so competitive and selective that only the truly gifted and hard-working will be accepted to the best, and even mixed A and B grades will likely disqualify most applicants – unless the A grades are in the hard sciences.

And once a young person enters a profession, it doesn’t get easier. Only a comparative handful of lawyers ever make “big bucks.”  Perhaps one in a thousand junior executives makes it to the top.  Most professional singers sing in clubs or in second or third tier performance venues, hoping to make enough just to keep singing. And for most of those who do eventually succeed in any profession, it takes years of hard and dedicated work, and more than a little concentration… not a mouse click or an instant prescription for something to improve concentration or feelings.

That message isn’t being delivered… and the failure to do so has already caused untold misery… and a toll that we haven’t even begun to count.