Intimidation in Retail: The Case of San Francisco

Visuals are an important ingredient in consumer marketing, so it is surprising to come across retail managers who are so purblind as concerns the latent yet obvious passive aggression in some of the visuals that those managers themselves approve in the name of security. The espoused, yet utterly fake claim that customer experience is improved by the added sense of safety—the actual underlying motive lies in loss prevention—is typically outweighed by the very human negative experience from being intentionally intimidated by passive-aggressive visuals. It may be that such managers, frustrated by high rates of in-store petty theft (i.e., “shoplifting”), are unconsciously taking their latent aggression out of the customers as a group. Even if not, the lack of judgment is palpable from the visuals themselves. It is no wonder that an increasing number of customers prefer shopping online. 

The full essay is at "Retail Intimidation ."

Morgan Stanley: Systemic Mistrust or Bad Financials after the Financial Crisis?

"Morgan Stanley by any measure is a safe and solid investment bank. Except for one: The amount of trust people have in the whole financial and political system. It's just about zero,” according to Jesse Eisinger of The New York Times in October 2011.[1] Even as there is undoubtedly an element of hyperbole in his conclusion—for zero trust in the financial system and governments would occasion far greater problems than the world faced at the time of Eisinger’s report—his broader point that bankers would be held accountable one way or the other for not having learned their lesson on derivatives (and risk more generally) is valid. The subtext is that even though banks like Morgan Stanley were in actuality in solid financial shape, they deserved the negative repercussions from the systemic skepticism that the banks themselves brought about by virtually ignoring risk analysis in preference to a run of profits and (not coincidentally) bonuses.

The full essay is at "Morgan Stanley after the Financial Crisis."

1. Jesse Eisinger, “Between the Lines, Wall St. Banks Face a Deficit of Trust,” The New York Times, October 12, 2011. 

Facebook Secretly Shared Users' Friend's Data with Business Partners: A Case of Betrayal

According to The New York Times at the end of 2018, internal documents generated at Facebook in 2017 showed that the company “gave Microsoft, Amazon, Spotify, and others far greater access to people’s data” even after having raised a privacy wall than Facebook had disclosed.[1] That is, Facebook effectively exempted some of its business partners from the company’s privacy rules without notifying users. In many quarters, this would be called lying, which in turn would suggest a sordid management at Facebook. The more subtle astonishment, I submit, is that 2.2 billion users had stayed with Facebook after the hidden use of personal data for political purposes. The partnership between Facebook and Cambridge Analytica had hardly been made in heaven. Why such enduring trust in spite of external data being clear grounds for losing trust and giving up using Facebook? How many betrayals would be necessary? In literal marriages, trust can be lost “like that!” Similarly, when a child even unconsciously loses trust for her parents, the solid basis of trust in a normal parent-child relationship is lost most likely forever. Why has Facebook—a distant business punctuated by lies—get a pass?

The full essay is at "Facebook Secretly Betrayed Users."

See also the booklet, Taking the Face Off Facebook, available at Amazon.

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1. Gabriel Dance, Michael LaForgia, and Nicholas Confessore, “As Facebook Raised a Privacy Wall, It Carved an Opening for Tech Giants,” The New York Times, December 18, 2018.

Mitt Romney’s “About-Face" in the 2012 U.S. Presidential Election: A Candidate’s Conflict-of-Interest

As was demonstrated in September 2008 as banks began to stop lending to each other even overnight, trust is the foundation, or grundlagen, of a market. The same is true in relationships between people. I would be surprised were a marriage ever the same after even a contrite spouse has had an extramarital affair. The same is true in politics; once the electorate has been lied to, it is very hesitant to remove the asterisk next to the politician’s name. The relevance of a politician’s extra-marital affair, such as the flowery lapse of Gary Hart or the sordid stains of Bill Clinton, is that the people conclude that they, like the wives, could be betrayed. Once established, a lack of trust tends to spread like an invidious cancer until it has encompassed the entire body politic. The shift is from justice to a lack of harmony on many levels.

Plato theorized that justice is the harmony within the rational psyche and polis (city, or country) as well as between the heavenly spheres (planets and stars)—the harmony between the rational and the vibrations of the spheres being in sync, which is justice itself. It follows that a person who lets his or her desires run rampant is in line with a squalid or aggressive city, and that neither of these shares in the musical/mathematic harmonious vibrations of and between the heavenly spheres. Lack of trust at the personal, business, or civic level can be said to be a symptom of the shift from the condition of harmony, and thus justice, to discord.

It follows that in a republic or union thereof, it is vital to maintaining justice (as harmony) that the electorate not be as sheep in taking in that which a politician claims regarding what he or she “really believes.” Once a candidate has stupidly lapsed in terms of trustworthiness, the electorate should be cognizant of the conflict of interest in the candidate later dismissing the substance of his or her real feelings or beliefs. In general, if a candidate’s statement is in line with him or her getting elected, a due dose of salt should be taken with that dish.

I have in mind Mitt Romney’s statement at a closed-door fundraiser in September, 2012 that nearly half of Americans don’t pay income taxes, view themselves as victims, and refuse to take responsibility for their lives, wanting to live off entitlement programs instead. 

The full essay is at "Mitt Romney's Conflict of Interest: Campaigning for U.S. President."

On Leveraging the U.S. Debt Ceiling: How the Market Mechanism Handles Trust

On May 9 2011, U.S. House Speaker Boehner insisted “on trillions of dollars in spending cuts, and no tax increases, as the price for rounding up enough votes to allow more borrowing and prevent the country from defaulting on its debt,” according to the Huffington Post. The Ohio Republican had “said failure to increase the borrowing limit [in the summer of 2011] would trigger a financial disaster for the United States and the world.” On May 12^th in Congressional testimony, Ben Bernanke, chairman of the Federal Reserve Bank, cautioned against using raising the debt ceiling as leverage for getting a particular partisan policy-prescription on federal spending enacted into law. Richmond Fed President Jeffrey Lacker had told Reuters, “I do share the chairman’s concern that going up to the edge and playing chicken on the debt ceiling is not a wise strategy.”

The full essay is at "Leveraging the U.S. Debt Ceiling."

Facebook: A Distrustful Company Projecting Distrust

Cambridge Analytica, political data firm founded by Stephen Bannon and Robert Mercer, and with ties to U.S. President Trump’s 2016 campaign, “was able to harvest private information from more than 50 million Facebook profiles without the social network’s alerting users.”[1] The firm had purchased the data from a developer (a psychology professor at Cambridge University in the E.U.) who had developed a personality test that Facebook users could take, and whose purpose was supposedly academic. The developer violated Facebook’s policy on how user data could be used by third parties. The data firm “used the Facebook data to develop methods that [the firm] claimed could identify the personalities of individual American voters and influence their behavior.”[2] In other words, Cambridge Analytica used the purchased data to manipulate users to vote for Donald Trump for U.S. president in 2016 by sending pro-Trump messages. Although Facebook had not known of the sale of the data to Cambridge Analytica at the time, the social network, upon learning Cambridge Analytica’s political use of the data in 2015, failed to notify its users whose data had been compromised. Although 270,000 Facebook users took the developer’s personality test, “the data of some 50 million  users . . . was harvested without their explicit consent via their friend networks.”[3] It bears noting here that those of the 50 million users who had not taken the personality test should definitely have been informed. At the very least, Facebook’s management could not be trusted to not only  keep users informed, but also protect users in the first place by adequately enforcing the third-party-use policy. So it is ironic that Facebook’s untrustworthy management could be unduly distrustful of ordinary users.

The full essay is at "Facebook: A Distrustful Company."

For more on Facebook, see Taking the Face off Facebook

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1. Matthew Rosenberg and Sheera Frenkel, “Facebook Role In Data Misuse Sets Off Storm,” The New York Times, March 19, 2018.

2, Ibid.

3. “Cambridge Analytica: Facebook ‘being investigated by FTC,’” BBC News ( accessed March 20, 2018).

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The American City: A Police State in the Making

Crime in 2017 was down the 30 largest cities in the U.S, but police levels remained robust. Specifically, less crime did not result in fewer cops on the street. “In 2016, there were slightly more officers per capita than in 1991, when violent crime peaked,” according to the FBI.[1] American cities were on a trajectory toward becoming police states. A mentality of excessive dominance, I submit, lies behind the excessive show of force.

The full essay is at "The American City: A Police State"

1. Jose Del Real, “Crime Is Falling, But Police Levels Remain Robust,” The New York Times, January 8, 2018.

Betraying an Electorate: On President Obama's Deal with Drug Companies

While campaigning for the U.S. presidency in 2008, U.S. President Obama decried the greedy Republican lawmakers acting at the behest of the drug companies to keep drug prices artificially high. A year later, those same drug companies wanted Obama to oppose a Democratic proposal that was intended to bring down the prices of medicine. Beyond betraying those voters who voted for him based on his campaign rhetoric on drug prices, Obama belied the trust that is necessary for a viable republic to function democratically.

The full essay is at "Betraying an Electorate."

The University of California: University Governance Gets an “F” on Trust

As part of the government’s 2017 audit of the University of California’s president’s office, California’s auditor, Elaine Howle, sent surveys to administrators at the university’s 10 campuses. The president’s staff directed administrators at the Santa Cruz, San Diego, and Irvine campuses to remove criticism of the office and give higher performance ratings in key areas. The interference was blatant, as it included even a systemwide conference call. As a result, Howle disregarded all of the results as tainted. The audit also uncovered $175 million in undisclosed reserves being held by the president’s office. Janet Napolitano, the U.C. president and former head of the U.S. Homeland Security Department, had betrayed the trust vested in her. The ineptitude likely ran higher, and lower. That is to say, the university’s governance itself was culpable.


The full essay is at "The University of California Flunks Trust."

The Great Wall

William has come to China for rumored gun power, but what he really needs is trust. Therein lies his vulnerability, even if he views it better not to trust. Yet it could be that he is just afraid; Commander Lin Mae thinks so. The protagonist wants one thing, but in order to get it he must overcome a critical flaw. This is the basic form, or dynamic, of a screenplay. I submit that because film is an excellent medium in which philosophical principles can be explored and wrestled with, the protagonist’s vulnerability, raised to a principle, can efficaciously be more salient in a film than merely in the immediate struggles of the protagonist. In other words, the principle at issue in the protagonist’s flaw can play a more expansive role in a film, deepening it in the process.

The full essay is at "The Great Wall."

Wage Theft: More Companies Flouting Trust

If you are playing by the rules, not trying to cut corners at others’ expense, you need not let the bastards get you down. Of course, if your detractors catch you with your hand in the cookie jar, then blaming them only confirms that a sordid character flaw undergirds the stealing. As a business strategy, accusing union officials of having an agenda simply because they have identified cases of wage theft by the company is not exactly good public relations; in fact, the ploy sends a message that the managers at the helm are more interested in shifting the spotlight onto distractions than “manning up” to take responsibility for the unethical and illegal conduct at the employees’ expense.

The full essay is in Cases of Unethical Business, which is available at Amazon.

Mistrust in Business: A Nietzschean Critique

In his commentary on the loss of trust in business, government and society, Michael Wolff laments to decline of trust through what he calls “consumer history.” As trust can be maintained with little or no further cost once established, Wolff is perplexed as to why more business practitioners, politicians and even religious functionaries do not rush to fill the gap.

The full essay has been incorporated into (or swallowed up by) On the Arrogance of False Entitlement: A Nietzschean Critique of Business Ethics and Management, available in print and as an ebook at Amazon.