Yes, 1,2 and 5 look too much like a windows background. I think this one is unique and still clean and calm.

You missed out on some nice tea and biscuits

I think there are plenty of failsafe mechanisms. But most importantly, if you fail to pay your mortgage, the bank has the right to take possession of your house. Those forces the bank to do it’s due diligence with regards to the value of the house. Also, if a bank has been too lenient with its mortgages, it can get into serious trouble - the government here enforces pretty strict rules to prevent people from getting in over their heads.

Why would you be better off? In the rest of the world you just have to provide proof of income and proof of savings and debt and banks can calculate how much they are willing to loan you for the purchase of a house. Seems to work fine, and I don’t have to have pay interest on meaningless loans just to prove that I can.

I use the subscription feed and use the notification bell for my favorite channels. I don’t have notifications turned on for YouTube, but it does show in the top right corner of YouTube itself.

I don’t always feel like watching everything I’m subscribed to, so this gives me a kind of “favorites of favorites” feed.

This picture is from the Netherlands where there are more bikes than people. There is generally great bike infrastructuur (including parking), no urban sprawl and decent taxes on car ownership and use This is appropriate mildly infuriating. There bikes should just park in proper parking or where they are not in the way.

What about Reign over me?

What would you tax exactly? Robots don’t earn an income and don’t inherently make a profit. You could tax a company or owner who profits off of robots and/or sells their labor.

Keep trying, don’t be afraid to fail, don’t be afraid to look stupid.