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In my freshman year at Buffalo University (1979), I lived on the sixth floor in one of the towers in the Richmond Quad.

Because I lived on the sixth floor, I naturally used the tower’s elevator a lot. And I’ll never forget the day I got on this said elevator and became the victim of ugly, unmitigated sexism. It was a day like any other. I was returning from class with a couple of my floormates. We entered the tower’s elevator on the ground floor, and we were the only people on it when it began its ascent to the sixth floor. Then the tower’s elevator stopped at the second floor and the door opened. A young lady we never saw before stepped forward with her head down in a book. And, then, as she was just about to enter the elevator, she looked up. The sight of three young men left her aghast and visibly shaken. She stepped back into the hallway and nervously informed us that she would wait for the next elevator up.

Why was she afraid to enter the elevator with us? Would she have waited for the next elevator up if we were young ladies rather than young men? Why did she assume that we were a threat to her mental and physical well-being just because we had male plumbing?

Sadly, this wasn’t the last time I became a victim of such loathsome hate. In the late 1980s, I had a second job working the night shift at a local supermarket chain’s warehouse. On occasion, three of my co-workers and I would travel to a nearby chicken joint for dinner during our meal break. One night, on the way to this chicken joint, we got pulled over by the cops for no reason. The cops wanted to know why we were in that neighborhood, which happened to be predominantly black. After we explained that we worked at the nearby warehouse, provided our supervisor’s name, and revealed our reasons for being in the neighborhood (hunger and a desire for fried chicken), the cops let us go.

Again, why were the cops suspicious of us? Would they have pulled us over if we were four black dudes driving in a black neighborhood rather than four white dudes? Why did the cops assume we were in that neighborhood for nefarious reasons just because we had white skin?

Let’s Get Real

Did the young lady who refused to get into the elevator with us do anything wrong? Hell no. Did the cops who pulled us over do anything wrong? Again, hell no.

Let’s get real. That young lady wasn’t an X-Woman and those cops weren’t X-Men. In other words, they didn’t have superpowers that allowed them to read minds and distill intentions. All they had to guide their decisions was experience and incomplete knowledge, and that experience and incomplete knowledge told them, for good reason, to be wary of us.

When the “biased” elevator incident occurred, it was less than two years removed from the release of the movie Animal House, a movie that glamorized the boorish and sexist behavior of a bunch of drunken college frat boys. And, sadly, too many members of my tribe—male college students in the late 1970s—not only engaged in such boorish and sexist behavior but also viewed engaging in such behavior as a badge of honor. How the hell was that young lady supposed to know that my floormates and I were perfect gentlemen, that we hadn’t embraced the “Animal House” mindset when it came to women? Again, she couldn’t read minds. She wasn’t an X-Woman. If it were my daughter or sister in that situation, I would have wanted her to do the exact same thing.

Now, at the time of the “biased” traffic stop, crack cocaine was a new phenomenon causing a lot of problems in the black community and it engendered a lot of heartfelt pleas from the chattering class to “do something” about the illicit drug trade. “Doing something,” in turn, meant being on the lookout for known drug users (e.g., young white males driving through a black neighborhood at night). Those cops were thus doing their jobs. They were trying to mitigate a drug trade that was bringing all sorts of mayhem to that black community.

Life Is Fair

Most people view being the victim of collateral suspicion as a prime example of life’s inherent unfairness. After all, why should one’s sex or skin color illicit fear or mistrust from a perfect stranger? Everyone should be presumed innocent, right?

Wrong. If we lived in a world where larceny, avarice, and cruelty were exceedingly rare, I could understand getting upset over collateral suspicion. But we don’t live in such a world. Sadly, larceny, avarice, and cruelty are far from rare.

Collateral suspicion is very fair. Moreover, it’s not going away. Hundreds of thousands of years of evolutionary biology can’t be undone by laws and propaganda. And if you want to competently navigate a world governed by collateral suspicion, you have to embrace the following attitudes and beliefs.

  • Proving yourself never completely ends. You will always be interacting with people who don’t know you well or don’t know you at all.
  • People aren’t X-Men and X-Women. They can’t look at you and know exactly what’s in your heart, especially if you’re a stranger.
  • Because people aren’t X-Men and X-Women, you can’t get upset if anyone considers you a threat. You need to put yourself in that person’s shoes. If he or she makes a wrong call, he or she could end up swindled, cheated, or abused. And if he or she makes a really wrong call, he or she could end up dead.
  • Your reputation is partially determined by other members of your tribe. If enough members of your tribe are assholes, you will have a bad reputation—you will be suspect by default. After all…
    • There’s a reason why elderly people are considered bad drivers.
    • There’s a reason why frat boys are considered drunken louts.
    • There’s a reason why politicians are considered inveterate liars.
    • There’s a reason why Wall Street brokerage firms are considered the enemy of the retail investor.
    • And there’s a reason why fast-food joints in Detroit have bullet-proof glass and fast-food joints in Boise don’t.
  • If you’re angered by collateral suspicion, be honorable and direct your anger appropriately. Don’t get angry with the person who’s suspicious of you, get angry at the assholes in your tribe who gave that person a good reason to be suspicious of you.

Is There a Personal Finance Angle to Collateral Suspicion?

When I first starting writing this post, I thought there was a clear connection between personal finance and collateral suspicion. But the examples I was going to use from my life to bolster my case turned out to be examples of direct suspicion instead. In other words, the people in these examples found me suspect, not because others in my tribe were assholes, but because I was an asshole.

I do think there’s a connection between personal finance and collateral suspicion. For example, I think the college you choose to attend and the major you choose to study will garner collateral suspicion from potential employers if you choose either of those things poorly. If I were in a position to hire newly minted college graduates, for instance, I would be very suspicious of someone who went to Evergreen College or received a degree in gender studies. But that’s just me. I have no empirical evidence showing that a substantial number of employers share my dim view Evergreen College and the gender studies degree.

Okay, just because I can’t make a clear connection between personal finance and collateral suspicion doesn’t mean this post is a total waste. There are at least two life lessons to be mined from this post. Here they are.

First, to appreciate human frailty and recognize that it’s sometimes prudent for people with incomplete knowledge to be suspicious of you is the mark of wisdom and decency. So don’t get bent out of shape if someone is wary of you—especially if he or she is a stranger. Your tribe is far from perfect and that person who’s suspicious of you has no way of knowing that you’re a good egg.

Second, it’s fun to pleasantly surprise people. Case in point. Marge was two years younger than me and went to the same high school. After she graduated high school, she too went to Buffalo University, and I would occasionally run into her at a bar or a party. Anyway, on one of these occasions, we got into a heavy conversation about life and politics. No rancor. Just two people sharing their thoughts and trying to defend their positions. Two weeks then went by and one of my housemates informed me that he saw Marge earlier that day and she had had an epiphany regarding me. In fact, her exact words regarding this epiphany were as follows: “I had no idea he had a brain in his head. I thought he was just a dumb f%cking jock.”

I just smiled. Marge wasn’t wrong to be suspicious of my mental acumen. I did hang out with a bunch of seemingly dumb jocks in high school, and I got a kick out of knowing that on at least one occasion I greatly exceeded her expectations.

Final Thoughts

Okay, groovy freedomist, that’s all I got. What say you? Is collateral suspicion an inescapable fact of life that should be appreciated and managed rather than scorned? Or is collateral suspicion a vile quirk of man that can and should be weeded out with extreme prejudice? Let me know what you think when you get a chance. Peace.

20 thoughts on “You Don’t Have a Right to Be Above Suspicion

  1. we live in a nice street in a nice part of a bad town.
    At night we don’t always lock the front (and only) door and anyone could just walk right in.
    I’m fine with the risk of someone breaking in – I don’t worry about being robbed and I think that the chances are relatively low anyway and consequences are not going to be lifechanging (how do you steal someone’s ETFs?)

    Neighbours of ours have just installed the latest Amazon alarm system to their house. Because they are afraid of being burgled (but never have) they are willing to spend hundreds of pounds/dollars a year to feel safe.

    Who’s right or who’s wrong?
    Gentleman’s Family Finances recently posted…What I learnt from my Dad’s early retirement (aged 60) Part 1My Profile

    1. Hmmm. I’m torn on this one. Nothing wrong with playing the odds. Even in high crime areas, most homes aren’t burgled. But don’t we have a duty to make crime less tempting to our morally weak neighbors?

  2. Brain food, my friend. Made me think of a lady who rented our cabin. She got there after dark, and accidently parked at a neighboring cabin. She realized her mistake and was walking down the road to find our house when my (friendly) neighbor pulled up the road. He drove behind her with his lights on to give her light. She freaked out, thought he was going to kill her, ran to her car, and left. We gave her a full refund. Better safe than sorry, nothing wrong with that.

    1. Handled it very well, my friend. With your knowledge of your neighbor, that lady surely overreacted. But she didn’t know him or his intentions. She wasn’t wrong for hightailing it out of there. And returning her rent showed great empathy. You’re one of the good ones, Fritz. Cheers.

  3. Collateral suspicion, or more commonly “profiling” unfortunately is not going to go away.

    Being of Indian descent sometimes I feel like I get unfairly pulled out for a “completely random” check at the airport (although to be honest I think this happened more frequently awhile ago while more recent travels I have been left alone).

    I get it that people try to lump people into convenient categories and the most obvious and easy ones to do are by the color of your skin and gender. Is it right? Of course not. But you are not going to break that trend anytime soon.
    xrayvsn recently posted…The Ultimate (Financial) MousetrapMy Profile

    1. As usual, you’re making me think, my friend. When does profiling go beyond prudence and venture into harassment? Got to mull this over. The plot thickens.

    1. Beautiful, Steve. Awesome comment. And here’s another thing that pisses me off about gender studies. My betters tell me that the world is on the presipice of catastrophic climate change. And, yet, despite this existential threat, we’re encouraging some of our sharpest young people to study gender and not the science of green engineering and technology? Really? Is expanding our knowledge of the 72 genders really more important than expanding our knowledge of battery technology and solar panels? Something’s amiss.

      1. The waste of human capital is one thing to gripe about Gender Studies, but what I wonder about more is how are the delicate snowflakes going to pay off their student loans? Perhaps posting on Facebook a selfie looking sad and holding a sign that says, “I owe a quarter-million in college debt, and can’t get anything better than a part-time, minimum-wage job?”

        Yeah, that’ll turn around one’s personal finances

        1. LOL! Yeah, college is a great investment until it isn’t. I think a lot of Millennials are counting on Uncle Sam or Uncle Bernie to save them from the millstone of college debt. I don’t see it happening, but you never know.

  4. Collateral suspicion does have a place in personal finance. When company “X” suddenly has problems, don’t we suspect that similar companies may have similar issues before investing in them? If a bank treats someone poorly, do we ignore that and bank with them or do we look at alternatives? When a house sells for much more or less than the neighborhood, do we worry about what it means if wanted to buy in that neighborhood? Great post. Thanks!

    1. Excellent examples of collateral suspicion in personal finance, my friend. Thank you. And as I was reading your comment, I couldn’t help but feel shame. Why couldn’t I have come up with these great examples. I’m definitely off my game. Ah, no one ever said blogging was going to be easy. Thanks again for your awesome comment, Pat. Cheers.

  5. A very good post, Mr.G. Just realized that I stopped reading PF blog posts because mainly of the financial content but to distill general truths and learn wisdom.

    I have to tell that I am probably a little bit unemotional and insensitive for such stuff. I would probably never think about being offended in such a situation. I see the reaction of that young lady as a basic survival instinct and consider her smart because I know that I am no threat to her but I could be in theory. Also, I think this works both ways. I would prefer seen as a threat than a victim. I always tell jokingly that I have a couple of years left until my daughter starts dating so I have a couple of years to gain some muscle, a beard, a buzz cut, and some tattoos. Not because I want to join a gang, want to hurt anyone or such thing. I know I am a good egg but there are many spoiled ones out there and I would prefer them seeing me as a threat. If this prevents anyone from being a jerk even on one occasion it would definitely worth it. Am I crazy?
    [HCF] recently posted…Financial Independence Europe Podcast AppearanceMy Profile

    1. Haha! I love it. And it wouldn’t hurt if you happened to be cleaning a gun on the kitchen table when suitors start calling. Buzz cut, tattoos, and guns—a rather effective way of saying your daughter is not to be trifled with. You’re the best, my friend. Cheers.

      1. Actually, I have a friend whose father is a hunter and did exactly that when her daughter brought home his first boyfriend… a deep impression I guess. Still, I am not into guns and would not go for the complicated procedure to get one. However, maybe a sword or a bow would do the trick and I am more fond of those… If you think of it in a way it is even weirder 😀
        [HCF] recently posted…Financial Independence Europe Podcast AppearanceMy Profile

  6. “Don’t get angry with the person who’s suspicious of you, get angry at the assholes in your tribe who gave that person a good reason to be suspicious of you.” AMEN! And then go about proving yourself if you have the opportunity, as you did with Marge. I’ve been the “victim” of several such unmitigated hateful experiences, due to sexism, lies from others, etc. There’s really no sense in playing the blame game. It doesn’t help. As the old saying goes “What other people think of you is none of your business.” I don’t seek revenge or to clear my reputation, but if I get the chance to prove myself, I happily and calmly take advantage of it. Another great post, Mr. Groovy. Godspeed!

    1. “I don’t seek revenge or to clear my reputation, but if I get the chance to prove myself, I happily and calmly take advantage of it.”

      Lot of wisdom there, Laurie. Getting upset over collateral suspecion is a clear indicator that you’re embracing a victim mentality. Not good. I hope this post will give those who are easily outraged some pause. Thanks for stopping by, my friend. I always feel better after reading your comments. Cheers.

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