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Historically it’s not miracles that brought banking regulation (unless you believe that bit abut Jesus in the temple), it’s trajedy, like 1929 and WW2.
it probably won’t get that bad though because these days they’ll keep bailing them out, their failures paid for by your economic future - gradually enough so that it’s not as bad in concentration as 1929, just spread it out into long term inflation so that it’s harder to notice. All the whiile people can keep tightening their belts.
And, I’m not saying people shouldn’t; being frugal is good, but, once you’ve switched to your frugal lifetyle, it’s increasingly hard to make the next round of cuts, and the next one and the next . . .
what do you think about:. “you don’t need to choose one” and “you don’t need other people to choose for you” and “distro isn’t that important in many cases”
I can agree 100% on what distros I use for what types of computer. And I can agree 100% on what I’d have used now, if i were a beginner again.
But all i can recommend to a stranger is, backup all your stuff properly,
try a few out (v.m. or liveCD/Ventoy) and be prepared to change.
make sure to check application versions in the base software repository - for any programs where that matters to you. and ease of updating - if that matters to you. and check out some flatpak if you think that might be a useful way to get extra applications or in some cases up to date.
if in doubt, choose gentoo /s