Is it fair to expect Australian banks to reimburse us if we’ve been scammed?

I recently interviewed an 88-year-old woman who had been scammed out of $49,000. She acted quickly, and presumed the bank would be able to recoup her money.

In her case, she downloaded a third-party app, before logging into her bank account as instructed. She shared the security code with the scammer, enabling them to authorise the transaction before quickly realising she had been duped, hanging up the phone.  

She had the account number where the money had been transferred to and an investigation was launched, but despite being a customer at her bank for 60 years, the bank said there was nothing they could do to get her money back.  

How scammers operate

Scams are growing increasingly complex and sophisticated. Sometimes pretending to be from your bank, scammers might target you online or social media, or by phone, text or email. If they’re clever, they might give you some information that seems genuine to try and gain your trust, or may suggest there’s a problem to fix, such as a problem with your computer, an overpayment or suspicious activity on your account.  

Collectively, Australians lost $2.7 billion to scams in 2023, with online dating and romance, investment, products and services, threat and extortion, employment, and impersonation scams among the most common. Victims are encouraged to report their scam to the National Anti-Scam Centre, but Scamwatch says people often feel ashamed, resulting in around 30 per cent of victims never reporting it. 

There has been strong resistance from the banking sector to compensate scam victims. And while Financial Services Minister Stephen Jones has vowed to crack down on organisations that enable scams and don’t pay up, indicating a keenness to ‘redesign fraud out of the system’, banks reimbursing scam victims doesn’t appear to be on the government’s radar.   

While the banks put the onus on their customers to ‘hear the alarm bells’, Labor wants scam victims to be compensated under a plan to fine banks and social media platforms $50 million and be forced to pay compensation if they fail to protect customers from scams.  

The banks argue against reimbursing scam victims, saying it would create a honeypot effect that would entice criminals to target Australians more often. The other argument is that reimbursing funds lost in scams would make the crime ‘victimless’, making consumers even more attractive to money-hungry scammers.  

Currently, if a customer in Australia transfers funds to the wrong account, the bank that sent the money is responsible for dealing with the complaint, rather than the bank that received the funds. The banks are also not obligated to repay scam victims.

Banks educate, not reimburse

Instead, banks have embarked on an education campaign reminding customers to remain vigilant to the threat of scammers, while the recently announced Scam-Safe Accord includes a $100 million investment by banks in a new confirmation of payee system to ensure people can confirm they are transferring funds to the person they intend to. 

It’s a far cry from the UK, where most banks already voluntarily compensate customers who are tricked into sending money to scammers, but in a world first, authorities recently mandated that banks must refund fraud victims up to $EU85,000 within five days, unless they are at fault. 

As of this month, a new shared liability proposal by the Payment Systems Regulator is expected to impact financial institutions around the world. The system makes both sides responsible for the reimbursement, which is hoped will encourage collaboration between all players to detect and prevent scams.  

It’s a policy welcomed by CHOICE and the Consumer Action Law Centre, which wants the government to go a step further and establish a reimbursement model similar to that used in the UK. They work with victims, who often don’t ever emotionally recover from the ordeal.  

Who is the onus on?

The Australian Securities and Investments Commission (ASIC) has been clear that banks aren’t doing enough to protect vulnerable customers. Despite this, the banks rely on a tenuous moral argument that suggests that customers will be less attentive and take greater risks if they think they are in line for compensation.  

Perhaps Australian banks can take a leaf out of UK’s TSB Bank, which started reimbursing almost all customers who fell victim to scams about four years ago. The bank says the results were stunning, actually resulting in a reduction in fraud. 

TSB says voluntarily reimbursing scam victims resulted in its share of losses sitting well below what it would expect for a bank of its size.   

Examples of these gestures of goodwill can foster loyalty and trust between banks and their customers, beyond strict legal or educational obligations. While victims can face significant distress, offering reimbursement is an ethical way for banks to support their customers, helping both restore their financial and emotional well-being.

While there is an asymmetry of resources and knowledge when it comes to keeping our money safe, a shared responsibility acknowledges the ethical duty to continually improve safeguards when it comes to scams.

After all, it’s compassionate business practice and a shared burden that strengthens corporate character. 

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How to have a difficult conversation about war

Many people feel they need to talk about the conflict unfolding in the Middle East, but others find that conversation distressing. Here’s how to have a conversation about ongoing conflicts in a safe way for everybody.

This year – and possibly for many years to come – October 7th is going to be a difficult day to endure for many people, not least those with a connection to Israel, Palestine, Lebanon and other countries in the Middle East. Even for those without a connection to those lands, the news of the conflict there is hard to avoid. Headlines are filled with tragedy, streets a filled with protestors, and walls are covered in posters howling in outrage or crying for justice for one side or the other. 

In this environment, it’s not surprising that many people feel compelled to share their thoughts and feelings about the conflict. And it’s equally unsurprising that many others find it too distressing a topic to engage with, whether it’s because they are affected themselves or because they feel powerless to avert the unfolding tragedy. 

People should also be forgiven for not engaging in an emotionally charged and potentially distressing conversation. While we should all have some awareness of major happenings around the world, we are not obligated to engage with those that don’t impact us or our community and are beyond our control.  

However, a problem occurs when people of opposite dispositions meet, and some desperately want to talk about the conflict and others desperately want to avoid just such a conversation. 

So, here are some approaches you can use if someone starts a conversation about the conflict, especially if that’s a conversation you’re not totally comfortable diving into. 

Pause

Often, when we hear something that triggers a strong emotional reaction, especially if it’s a view we might disagree with, we react as we would to a physical threat: fight, flight or freeze. 

Some reactively fight, and immediately push back with an alternative perspective. But if we start a conversation from a position of opposition, it shifts the dynamics into one of conflict rather than cooperation. That isn’t a problem if everyone has tacitly agreed to enter debate mode, but often that’s not the case, and conflict can easily trigger defensive reactions that cause the conversation to spiral into an unproductive clash, only heightening everyone’s emotions. 

Others attempt to flee from the conversation, such as by changing the subject or even physically leaving the room. However, if the person raising the issue feels compelled to do so, they may remain unsatisfied and will just raise the issue again at another point. Freezing, on the other hand, may be perceived as tacit agreement to dive into the conversation, which might end up being harmful or distressing for those involved.  

So, the first step for managing difficult conversations is to pause whenever you hit a point of contention or at the first indication of raised emotion, either in yourself or those you’re talking to. This gives you an opportunity to recognise and acknowledge your immediate reaction and quickly take stock of who else is in the conversation and what they might be feeling. And if we believe that someone in the conversation might be in genuine distress – including ourselves – then we can work to steer the conversation in a different direction.   

Cast the net wider

One approach for steering a conversation away from potentially distressing content is to not engage with the content directly, but instead go “meta” and talk about what you’re talking about.  

So, instead of sharing opinions or judgements about the conflict in the Middle East, ask questions about the conversation itself: why are people so invested in the conflict – especially if many of them don’t have a personal connection to those affected? How are people talking about it? Are the conversations going on around the country and in the media helping or are they divisive? How are these conversations affecting people, especially those who are connected to the conflict? How should we be talking about it? 

Asking meta questions like these can shift the conversation away from the details and on to the human impact that the conversation is having. It can prompt everyone to reflect on their role – and responsibilities – when talking about potentially distressing subjects and cultivate empathy with those affected. 

Going meta can also allow you to offer a more explicit invitation to take the conversation to another stage, giving everyone an opportunity to opt-in or opt-out. The meta conversation may have already helped to set some ground rules for how a conversation about the conflict might unfold, including what kind of language is appropriate and what kinds of topics are off limits out of respect for those affected.  

Explore feelings

If you progress the conversation further – or if others feel compelled to do so – it doesn’t mean you need to dive straight into sharing your opinions on the conflict itself. Instead, there is another framing that can be equally, if not more constructive. This is the “expressive” frame. 

Rather than asking people what they believe, invite them to share how the conflict makes them feel. This focuses the conversation on emotions and experience rather than opinions or judgements. There’s a subtle but important difference between the two.  

We all have opinions and judgements about issues that are important to us, and are more than ready to offer reasons to support our attitudes. But as the American psychologist Jonathan Haidt has pointed out, many of these opinions and judgements ultimately stem from our emotional reactions.  

When we experience outrage, for example, we immediately form a negative judgement of the perceived cause, and we often fish for reasons to support that judgement. This means that many of our reasons are post-hoc rationalisations of our emotional responses. If you start discussing these post-hoc rationalisations, you’re not really engaging with the root causes of how someone feels about an issue. Instead, it’s often far more fruitful to unpack the way they perceive the issue in the first place and discuss how that makes them feel.  

Engaging in the expressive frame has another benefit: often people who have strong feelings about an issue have a deep need to have those feeling heard and validated by others. By asking how they feel and just listening to them and validating those feelings – without necessarily agreeing with their opinions – can satisfy them and might even prompt them to listen to how you feel about it. 

Conversational scripts

Both the meta and expressive conversational modes are ways of engaging with difficult issues without tackling the substantive – and potentially harmful or distressing – content head on. They give you a chance at having a meaningful conversation that can be more sensitive and help protect those who might feel threatened or unsafe. 

That said, it can be difficult in the heat of the moment to know what to say to shift the conversation to the meta or expressive frame. For this reason, it can be useful to have a few conversational scripts up your sleeve that you can whip out as needed. 

If someone expresses outrage about some aspect of the conflict, the protests or political response, and you want to shift to the expressive frame, you could say: “I’ve been hearing about that everywhere. How do you feel when you hear about it?” 

Or if you want to move away from commentary about distant news and ground it, perhaps ask: “Do you know anyone affected by the conflict? How are they faring?” 

And if you want to shift to the meta frame, ask: “What do you think about the way people are talking about the conflict? Is that contributing to the division?” 

Finally, it’s always useful to have some conversation exits ready and waiting in case things go off the rails or things become a bit too heated or distressing. You can say things like: “that reminds me of…”, or “I wanted to ask you about…”, or even “have you seen…”, and fill in the blanks with content that you think will be appealing to your conversation partner, whether that’s something about themselves (always a favourite topic), sport, popular culture or something else that everyone can relate to. There’s no shame in tactfully changing the subject when you feel a conversation has exhausted itself (or you). 

Talking about difficult issues like the conflict in the Middle East can be distressing, but there are ways for you to take charge of the conversation and steer it in a way that is ethical, respectful and yet protects you and those around you.

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Schools of thought: What is education for?

Education is often seen as an economic investment in our future. But philosophers have argued it could be so much more than this.

Education is often seen as a tool that we use to get us other things that we want; we tend to value education instrumentally. We know that the higher our educational attainment, the higher our future income, and most of us see this increase in future economic value as one of the central values of education. We understandably see greater financial security as a means to achieve greater happiness, a way to avoid stress and enjoy a greater sense of freedom and agency in our lives.  

But what else could education be for that it seemingly isn’t for at the moment? What other value could it have for ourselves and the communities in which we are embedded?   

Many people believe that economic instrumentality shouldn’t overshadow other potential goals of education. Philosopher Martha Nussbaum writes:  

“We are living in a world that is dominated by the profit motive. The profit motive suggests to most concerned politicians that science and technology are of crucial importance for the future health of their nations… my concern is that other abilities, equally crucial, are at risk of getting lost in the competitive flurry, abilities crucial to the health of any democracy internally and to the creation of a decent world culture.” 

Nussbaum is concerned that a failure to sufficiently interrogate what systems of education should be used for, leaves those systems vulnerable to a corporatisation that neglects their more comprehensive capacities.  

Social critic Henry Giroux echoes these concerns, saying: 

“You can’t have a democracy without informed citizens. That’s why education has to be at the centre of any discourse about democracy, and it isn’t. That’s where the left has failed. It has failed to run education. They failed because they believe that the most important structures of domination are entirely economic…”. 

In 2027 the NSW primary school curriculum will undergo its biggest change in 30 years. Amongst this will be a new focus on democratic roles and the history of voting. Teaching students about democratic systems is useful, but it’s not enough. We must also teach them to interrogate their own beliefs and deliberate with others whose beliefs differ from their own. This is a skill which Nussbaum calls Socratic self-criticism. She describes it as “the ability to transcend local loyalties and to approach world problems as a ‘citizen of the world’; and, finally, the ability to imagine sympathetically the predicament of another person”.   

For Nussbaum (and Socrates) education should aim to create citizens who are skilled in thinking for themselves, in reasoning well alone and with others. Similarly, Giroux thinks education should make individuals “aware of their own cultural capital… and their place in the world”. Nussbaum and Giroux both argue that education should not only give students what they need to lead economically comfortable lives, but also ensure that these lives are self-aware, and meaningfully engaged with the world around them. 

Both theorists begin to suggest ways in which their theories can be made into practice. Giroux emphasises the need to engage students in discussions and forms of thinking that allow them to consider their own narratives about the world. This requires understanding the ways in which they are situated within it, and how that situatedness may differ from those around them.  

This idea echoes Nussbaum’s argument that education should teach students to think critically about their own traditions. Both these proposals require curriculums that directly consider the perspectives of other people and cultures to stimulate critical self-reflection. Questions like: “what do I believe in and what are my reasons for those beliefs?”, “what do I think of the alternative beliefs?”, and finally, “do I or do I not want to change my thinking in this instance?”.   

The development of aspects of Socratic self-criticism already exists as a byproduct of education curriculums, but Nussbaum and Giroux are motivating us to consider what it would look like to bring these aims to the centre of schooling. An example may be through the inclusion of a core subject concerning ethical deliberation. The best preliminary example of this sort of subject may be the Primary Ethics subject model. Currently, this is an hour long, weekly class carried out as an opt-in secular alternative to special religious education in NSW primary and secondary schools.  

Any such subjects should not be forged as tools to impart ethical dogmas onto young students. Instead, they should be spaces for developing critical thinking skills which arise from debate and deliberation with existing perspectives and counter perspectives.   

Education is a hugely powerful system, one which we should thoroughly and frequently interrogate. Are we using this system in a way that aligns with our goals, both local and global? What are those goals, have they recently changed? Are we equipping an entire generation with the tools they require to live comprehensively fulfilling and meaningful lives? The possibilities for our educational systems are boundless and its time that we begin realising this.  

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Where is the emotionally sensitive art for young men?

The Sisterhood of the Traveling Pants, the 2005 young adult drama film, takes all of five minutes to set up its premise: what if you and your friends discovered the titular pair of jeans, which, despite your differences in size, fit you all perfectly? And, more than that, what if you all decided that these pants had magical behaviour-changing powers? 

So far, so teen drama, particularly when the film starts unveiling the emotional canvas the film will play out on. Bridget (Blake Lively) has a crush, and a dead mother; Carmen (America Ferreira) is a child of divorce; Tibby (Amber Tamblyn) is stuck working a dead-end job. 

But what is extraordinary about the film is the sensitivity with which it handles what could otherwise be tropes. Each of the heroine’s lives is disrupted by death and loss. They learn they are fallible; that they are subjected to forces they cannot control. They’re not whiny teenagers. They’re young people, making their way through the world – sometimes messily, but always with conviction. 

The film is shockingly emotionally nuanced for a work of art made for, and about, teenagers. But what makes it more shocking is how plainly it exposes the absence of similar art for young men. The Sisterhood of The Traveling Pants – and films like it – are a core part of moral education, designed to validate young women in their feelings, both the positive and the negative. So, where is the male equivalent? 

Art and moral education

None of this is to say that The Sisterhood of The Traveling Pants need only appeal to young women – the brush with which it paints is broad and vivid enough for those of any gender. But it still remains the case that the film was marketed to, and largely consumed by, young women. It sits alongside Stick It, She’s The Man, Riding In Cars With Boys, and Cinderella Story as part of an early 2000s trend of emotionally adult works directed towards young women. While these are stories are ostensibly about romance, they’re actually about self-discovery and self-possession. 

Such films, as philosopher Greta T. Cullen observes, need not necessarily be “morally instructive” – as in, they don’t need to have all the moral answers. Instead, they ignite sympathy. They teach us both about our own world, and the worlds of those around us. As Cullen puts it, they “encourage an awareness of other people, their problems and sufferings.” Through that awareness, we can build a proper moral system – after all, it’s only when we understand how we affect other moral agents that we can decide how to treat them. 

That, in fact, is precisely what makes art so important in moral education. The Sisterhood of the Traveling Pants isn’t prescriptive – it doesn’t tell us exactly what we should do. In fact, its heroines make more mistakes than most: Tibby, whose life is changed by a young girl with cancer, initially declines to visit her dying friend in hospital. The film isn’t an instruction guide. Instead, it’s a sort of training ground for sympathy, reminding us of the impact we have on each other – and the seriousness with which we should take that impact. Art, at its best, makes the world bigger. And after it has done that, we get to decide what to do with all that extra space. 

The stoic male hero

Art targeted at young men is far less interested in interiority. Consider the likes of Deadpool, Top Gun: Maverick, and The Fast and The Furious films. These works of art are not interested in emotional nuance in the same way as The Sisterhood of the Traveling Pants is, because they’re not centred around emotionally changeable characters. Neither Deadpool nor Dominic Toretto need overcome internal obstacles – only external ones. 

Art for young men tends to promote stoicism or, at the very least, inflexible leading men. Leads of young adult films directed at men are primarily unflappable – above all else, they value calm, and decisiveness. They are what Jon Brooks describes as “stoic superheroes”.

That’s not to say such art needs to be entirely dismissed – it has other uses. But the hole in male education around emotions – what we do with them, how they shape us – has profound knock-on effects.

When your heroes don’t validate you in your emotional complexity – in your essential fallibility – your moral life suffers. There is a loneliness to growing up without seeing a complex inner life on the screen. Films should, in some complicated way, forgive us. They should make it clear that we are not alone.

That loneliness is solidified by a further absence in young male cinema – a hole where there should be depictions of non-judgmental, accepting friendships. The “buddy comedy” genre does aim to rectify this gap, but such films are few and far between. The Sisterhood Of The Traveling Pants models genuine connection between its heroes, who are willing to be their true selves around each other. There is no real corollary for men. 

There’s a sequence part way through The Sisterhood of the Traveling Pants where Tibby, the teenage shelf-stacker, steps out into the quiet of the afternoon, surrounded by her middle-aged co-workers as they smoke in the sun. She says nothing; they say nothing.  

Later, this will become the setting where Tibby learns not just about loss, but also about the hard-won work required to give life meaning. For the moment though, all that happens is that Tibby stands there, the sky orange around her, and takes pause. It’s a moment of true emotional vulnerability – a brief flash of Tibby sitting in her feelings. 

And that vulnerability is important. Without that vulnerability, genuine emotional connection is impossible. Which is why the dearth of such moments in art aimed at young men has such worrying implications. Many men struggle with their own vulnerability; struggle to feel authentic, and true. From that comes loneliness. From that comes pain. 

There is a hole in male education, and it’s shaped exactly like this film. And, more specifically, a hole shaped like the image of a young woman, standing in the sunshine, staring straight ahead, and then slowly walking offscreen. 

 

Image: Warner Bros. Pictures

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Ask an ethicist: Is it OK to steal during a cost of living crisis?

The cost of groceries is spiralling out of control. Meanwhile, the major supermarkets are making a killing. I can barely afford the fuel to get to work, let alone fresh food for dinner. Surely, it’s OK for me to pilfer the odd packet of beef patties or punnet of strawberries?

It sometimes feels like the grand bargain of society is breaking down. We’re told that if we work hard, get a good education and don’t cause trouble then things will all work out – we’ll get a good job, be able to buy a home and we can still afford the odd luxury. But many of us are discovering that even when we play by the rules, we still feel like we’re falling behind.

And then we see the price of asparagus has gone up again. It’s not like asparagus farmers are getting rich. Neither are we. But the supermarket duopoly is. The outrage at this apparent injustice is understandable. And some of that outrage is tipping over into shoplifting, with the big supermarkets registering a surge in theft.

But – brace yourself – as an ethicist, I’m going to remind you that stealing is wrong. Well, it’s almost always wrong, especially if you’re only stealing out of a sense of outrage.

The thing about outrage is that it demands satisfaction. It motivates us to punish a perceived wrongdoer. But whom do we punish when the wrongdoing isn’t perpetrated by an individual but by an unjust system? It might feel justified to place a finger on the scale to tip things back in our favour by nabbing a few essentials (and the odd packet of TimTams). But in doing so, we risk letting one injustice lead to another without actually tackling the problem in the first place. We might feel like we deserve fairer prices – and I think we do – but stealing isn’t the way to make that happen.

But surely pilfering a couple of peaches and a jar of pickles is a victimless crime. The big supermarkets are making a motza, and they factor theft into their bottom line. That’s a trifling loss for them, and a nice peach and pickle cocktail for me.

Here’s a pickle for you. While a single instance of shoplifting might not have a big impact, every instance adds up. Because supermarkets do factor in theft to their prices, the more stuff that goes missing, the more they jack up prices – not to mention investing more in anti-theft technology. So, you’re in part contributing to the very problem that is motivating your theft. And those higher prices impact everyone, including those who might be struggling even more than you are.

At the heart of ethics is the idea that we should take responsibility for our actions. Do you want to be responsible for making the cost of living crisis worse?

Then there’s the matter of principle. Every time you feel justified stealing, you’re allowing others to use that same justification to steal. You’re effectively endorsing stealing in general.

One missing pickle jar might not make much of an impact on prices, but if everyone swipes something, then pickles can pretty quickly become out of reach.

OK, OK. I’ll redirect my outrage to writing sternly worded letters to the newspaper about grocery prices. But what if I’m starving because I can’t afford even a packet of Kraft singles to get through the day? Is stealing justified then?

As I said earlier, stealing is almost always wrong. But not always. Mortal peril is one case where most ethicists would say that it’s permissible to steal. Say your child is dying of a preventable disease and needs medication immediately, but your local supplier jacks up the price to an unaffordable level at the last moment and refuses to make an exception. If there’s no other ethical way to save your child’s life, then stealing could be forgiven.

However, that doesn’t mean raiding the lolly aisle. Note the “no other ethical way” bit. Generally, we’re obliged to do everything we can to work within the bounds of ethics and the law before we step outside of them. So, if you’re struggling to afford food, and there’s a food bank nearby that is willing to help you out, then that’s where you ought to turn before stuffing celery down your jumper.

Similarly, if there were some perverse law that prevented you from legitimately buying necessities, then you could pull a Martin Luther King Jr and ignore that law. As he said:

“One has not only a legal, but a moral responsibility to obey just laws. Conversely, one has a moral responsibility to disobey unjust laws.”

In short: stealing is bad, unless stealing will prevent something worse from happening. If not, then leave that punnet of strawberries alone and save your stamina for fighting the unjust system in other ways.

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What we owe to our pets

Australians love having pets around. But what are our obligations to our animal companions?

Much has been said about the benefits of living with pets – from companionship to improved mental and physical health. Out of two thirds of Australia households that are home to at least one pet, a whopping 85% of owners have said that pets have a positive impact on their lives.  

In other words, they’re good for us. But are we good for them? And what are our obligations in these relationships so many of us find ourselves in? 

Legally, we own animals. We purchase them, register them as our pets, and pay for their routine and emergency health care where required. In this way, pets are similar to property. But that doesn’t mean we can treat them like ordinary property.  

Unlike us, animals are not typical “moral agents”. They cannot make and enact ethical decisions, like choosing between different foods based on their carbon footprint, or making an informed choice about breeding if there is a risk of passing a heritable disorder to offspring. 

Pets fall into the category of “moral patients” – beings who matter morally, but who are subjects of our moral consideration and actions. They need us to make good decisions for them. This is especially important because we take them out of their natural environment and bring them into our homes, environments designed specifically to cater to the needs of our species. We require animals to live within these spaces and adapt to our lifestyles.  

Sometimes we forget how challenging this can be. For example, animals may be nocturnal, but we expect them to adapt to the hours we keep. Indoor dogs rely on us to provide outside access for toileting and exercise. Cats rely on us to change their litter tray and provide suitable surfaces to scratch and climb. They cannot predict when our routines – and hence their routines – will change.  

As a veterinarian, sometimes my client (a human) will tell me that my patient (an animal), urinated outside of the designated toileting area “to spite them” when they were late home from work. It is not uncommon for humans to attribute hostile intentions to animals who display behaviours we find problematic, when these behaviours may be manifestations of an animal’s frustration if their needs are not met (e.g. provision of multiple litter trays for cats, lack of choice).  

As a result, shelters are full of animals who have, for one reason or another, not been able to adapt to human behaviour. This is not the fault of the animal; it’s often due to our unrealistic expectations.  

In Australia, we tend to think of “responsible pet ownership” as ensuring that pets are well behaved (that is, they do not cause a nuisance to others), that they are microchipped, desexed and registered, and that we provide appropriate food, water, shelter and veterinary care as required. 

Though many people would characterise their role in terms that go beyond “ownership”. Indeed, the use of the term “pet owner” has decreased, in favour of terms like “guardian” or “caretaker” or even “pet parent”. This reflects a view that animals are more like family members than property.  

Animal welfare science and legislation increasingly reflect the position that we need to provide animals with lives worth living, or good lives. That is, not just minimisation of poor welfare and associated negative mental experiences or feelings, but striving to maximise positive mental experiences.

The early view of good animal welfare was informed by the “Five Freedoms” model of animal welfare. These include freedom from: pain, injury and disease; fear and distress; discomfort; hunger and thirst; and to express normal behaviour. 

But according to the more recent “Five Domains”, physical and functional factors including nutrition, physical environment, health, behavioural interactions with other animals, humans and the environment) influence mental experiences (the fifth domain). 

This model stresses that what matters most to animals is their subjective experiences. Therefore, just acting to minimise negative mental experiences (such as confining a dog to stop them running on the road and experiencing a painful injury), doesn’t necessarily lead to positive welfare.  

To ensure that an animal has a good life, they should be able to have more positive than negative experiences. With the example of the confined dog, that means providing, where possible, opportunities for positive interaction with animals, people and the environment. Walks. Sniffing. Chasing a ball (if that’s their game). Spending time with them. Of course, not all animals are social species. We need to pay attention to the preferences of animals, and, where possible, offer them choice, so they can experience positive welfare. 

That doesn’t mean we shouldn’t make unpopular choices for them. While sentient animals – including humans – like to exercise choice or agency, we need to ensure that those choices are likely to lead to sustained positive welfare rather than poor welfare. So while an indoor cat may have a ravenous appetite, indulging the cat to the point where they become obese is likely to lead to poor welfare in the long term.  

We need to remind ourselves that, as humans living in environments designed almost exclusively for humans, we expect a lot of our animal companions. In addition to meeting their basic needs, we should aim to provide them with good lives. This requires doing a bit of research, observing animals carefully, and learning from them. Our lives are richer for it. 

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6 dangerous ideas from FODI 2024

From dangerous dissenters to powerful provocations – this year Festival of Dangerous Ideas speakers covered some of the thorniest dilemmas of our time. 

Here are 6 things we learnt at FODI 2024: 

Our ideological chambers can be dismantled, but only if we can listen to others

Sharing some of the more extreme responses to her work, cultural critic Roxane Gay examines the costs of unapologetically sharing bold ideas and opinions.

Speaking to the current state of fragmented discourse, where our political differences are more calcified than ever, Gay says “This mode of discourse assumes that what we believe in and our faith in what we know are so fragile that they cannot stand thoughtful engagement”. In her talk, she says there is still hope to create progress if we are able to become more elastic in our thoughts, “to stop screaming and start listening”.

The machines are killing our kids

Psychologist Jean Twenge makes the case that younger generations are suffering in life-altering ways because of the amount of time they spend looking at screens. Through years of research and millions of survey responses, she argues that since the proliferation of smartphones, adolescents and teens are increasingly and significantly more likely to suffer from symptoms of depression, while simultaneously are much less likely to engage in positive wellbeing practices like sleeping enough, seeing friends or exercising. 

Twenge proposes that a radical shift in the amount we use our phones is needed (as young people, as parents and as a society) to reverse these harmful effects. 

We need to engage in a culture of growth rather than cancellation

If podcast host Megan Phelps-Roper had left the extremist Westboro Baptist Church today, cancel culture might have meant she’d never have been forgiven, and she wouldn’t have become such a powerful voice for persuasion and reconciliation. Speaking on the Uncancelled Culture panel, Megan argues for a radical form of forgiveness, where we’re forced to recognise someone’s humanity, consider not just what they did but why, and take a chance on the possibility of redemption. While it can be difficult for us to set aside our sense of justice to engage with empathy, just as it can be difficult for us to express contrition for our own errors, but it’s only in doing so that we will shift from cancel culture to a culture of growth.

Coming to terms with our desire for something greater can help us understand the human condition

In a cheeky conversation and book reading, comedian and author David Baddiel says his desperate desire for God convinced him that there isn’t one. “Desire provides no frame for reality”, says Baddiel. This recognition can at once be a liberation from our impulses, while at the same time be a reminder and a call for us to embrace the common humanity that compels us all to crave order within the chaos of life. 

In difficult conversations, the most effective tool to communicate with our opponent is empathy

One year on from the release of the divisive podcast series The Witch Trials of JK Rowling, host and former member of the Westboro Baptist Church Megan Phelps Roper, and podcast producer and journalist Andy Mills reflect on the radical power of listening when we come across viewpoints in direct opposition of our own.

As they dissect the reasoning that led them to wade into the difficult cultural conversation surrounding sex and gender, Phelps-Roper cites her previous experience talking at the 2018 Festival of Dangerous Ideas about leaving the Westboro Baptist church “Listening is not agreeing, empathy is not a betrayal of your cause… My life was profoundly changed by exactly that kind of dialogue. It’s what caused me to leave extremism and find meaning and love and freedom and grace in a world I’d been taught was evil”.
 

Denial sustains liberal imagination

How can a left leaning Western person reconcile the commitment to democracy and civil rights, with support for a state that practices apartheid? Academic Saree Makdisi argues it’s because we are living in a culture of denial. He says the mechanisms of occlusion, narrative and appealing to progressive Western values serve to make us overlook the world’s horrors.

 

Catch up on select FODI 2024 sessions, streaming on demand for a limited time only.


What are we afraid of? Horror movies and our collective fears

In 1968, the dead walked the Earth. George A. Romero’s The Night of The Living Dead, shot on a shoestring budget in black and white and film stock, was the movie that popularised zombies as we now know them.

In the film, a ragtag group of survivors must band together, as corpses rise from the grave in a desperate search for human flesh.

Night of the Living Dead was a smash hit. It made more than 250 times its budget, becoming a cultural talking point, and scarring an entire generation. Taken on face value, its success is surprising. The film is unremittingly bleak, even for a horror movie – aside from the blood and guts, it also ends with one of cinema’s great downers, as the film’s hero, Ben (Duane Jones), is murdered not by the zombies, but instead an armed posse dispatched to kill the zombies, who confuse him for a reanimated corpse.

Given Ben is African-American, the film’s final image – his dead body set alight, burning to ash on top of a pile of zombie corpses – had powerful, painful symbolism for audiences in the late sixties. It was a time of huge social upheaval; of struggle, pain, and change. America was still in the midst of the Vietnam war, and the Civil Rights movement was continuing to gather steam.

Indeed, that collective social suffering is precisely the means of explaining Night of the Living Dead’s great success. Mired in images of real-life suffering, beamed into their homes via their TV sets, American audiences flocked to see a film that gave a voice to the feeling of the times – its ambient horror. To borrow a quote from horror director Wes Craven, Night of the Living Dead didn’t “create” fear – it released it.

Naming the unnamable

Horror’s persistent success – slashers almost always make money, and are a go-to for indie directors precisely because they’re almost guaranteed to make a financial return – speaks to the genre’s ability to address the unnamed. Each generation has its trauma, and each generation has a horror film that speaks to that trauma.

Alfred Hitchcock’s Psycho, released in 1960, was a reaction to a spate of serial murders – chiefly the killings committed by Ed Gein. Rosemary’s Baby, released the same year as Night of the Living Dead, bottled the collective anxiety that came from modern urbanisation: set in a sprawling apartment block, it posits that you can never truly know your neighbours. Carrie channeled first wave feminism, and the oppression conducted by both men and the church; Clive Barker’s Hellraiser explored queerness and kink, and the violent reaction to it; Hostel and Saw, the forerunners of the “torture porn” movement, were birthed by images of violence released out of Abu Ghraib; and Get Out compressed years of racist oppression into one shocking tale.

In this way, horror films tap into what philosopher and psychologist Carl Jung referred to as the “collective unconsciousness”. Jung believed that we all have both personal unconsciousness, and an unconsciousness shared by all. This deeper, shared unconsciousness is populated by “instincts”, “primal fears”, and “archetypes.” These archetypes directly tie us back to our ancestors – they are as old as human beings are. They are core figures, images, and stories, that, given they are located deep inside us, are frequently “strange” and disturbing. Jung gave these archetypes names, from “eternity” to “the profane”.

Horror draws on these archetypes. In fact, given how common archetypes are – we cannot help, Jung thought, coming back to them – sometimes, these archetypes can be described as “cliches.” Just as the collective unconsciousness keeps returning to specific images and figures, so too does horror have its tropes: the masked murderer; the demon child; the haunted house; the animal that appears as a harbinger of doom.

This is why horror movies tap us in a deep, powerful way. They apply images and stories to things that live deep inside us; that are innate. Indeed, the philosopher William James thought that fear was key to the unconscious – he argued that if you dropped an Eskimo into the African savannah, they would know to be afraid of a lion, even if they had never encountered one before. Whether we like it or not, terror lives somewhere deep inside us; an unavoidable vein of anxiety, running through the human condition. By engaging with that, horror movies hit us on a primal level – and bring us closer to each other.

The release of fear

This releasing quality of horror films has been proven to have personally therapeutic benefits. Horror movies allow us to confront our fears directly; to expose ourselves to them. But more than that, they allow us to do so in a controlled, calm setting.

When we’re terrified by a horror movie, we’re not terrified in the same way we would be if we were literally in the situation outlined. Our brains know, on some level, that we are safe; protected; sitting at home, or in a movie theatre. A recent study showed that horror movies can provide “stress release, managing real-life fears, and gradually reducing the impact of stressors through exposure to danger and fear in a controlled environment.”

But horror movies don’t just help individuals expose themselves to fear. Their hugely beneficial ethical dimension is their ability to help societies to understand their fears.

We cannot solve or change something that we cannot name. Without proper language – without images – we cannot hope to confront the sick or ailing parts of our society. Horror movies funnel collective anxieties into precise ones. And with their image as a kind of vocabulary, we can start talking about these issues, and in that way, move to change them.

Indeed, stories of horror and evil have historically served as a way of forming and reinforcing moral judgement. We tell ourselves stories of what taboos look like when they are broken in order to remind ourselves of the importance of those taboos. Using these narratives, we can come together in order to decide what is permissible and what is not – the shock of anti-social, violent behaviour moving us towards a place of steadfast moral judgement. The horror movie only scares us because it shows us what we shouldn’t do, what we don’t want, what we, collectively, will work to avoid.

This quality of sharing is important. The success of a film like Get Out brought people together. It cut across class, gender and racial divides. In cinemas across the world, people sat in the dark, and discovered that they were afraid of the same thing as the person in the seat next to them. And it is from that base of solidarity – provided by cinematic nightmares, no less – that special things can happen.

 

Image: Get Out, Universal Pictures

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Should I have children? Here’s what the philosophers say

Parenthood has traditionally been considered the normal outcome of growing up. A side effect of reaching maturity.

Across Europe and the US, only 10%-20% of adults remain childless or (more positively) child free. In some cases, this is accidental. People wait for an ideal time that never arrives – and then it is too late.

Anti-natalism is the philosophical view that it is ethically wrong to bring anyone else into being. The justifications draw upon worries about suffering and choice. And it’s not an exclusively modern attitude. The ancient Greek playwright Sophocles, writing at the end of the 5th century BC, tells us that it is “best of all” not to have been born, because life contains far more suffering than good.

Contemporary anti-natalist arguments add a nuance by focusing on an asymmetry between pain and its absence. The absence of all pain is good, but this good can only be achieved through not bringing anyone into existence at all. The presence of pain is bad, and it is always part of life. So why forego the certainty of a good thing for the certainty of many bad things?

Philosopher David Benatar presents the best known contemporary argument along these lines in his 2006 Sophocles-inspired book, Better Never to have Been:

“It is curious that while good people go to great lengths to spare their children from suffering, few of them seem to notice that the one (and only) guaranteed way to prevent all the suffering of their children is not to bring those children into existence in the first place.”

Other versions of anti-natalism focus instead upon the fact that nobody chooses to exist. Existence is thrust upon us. Inconveniently, this suggests that the vast number of teenagers who tell their parents: “I didn’t ask to be born”, may in fact be budding philosophers.

The problem with anti-natalism

Anti-natalist arguments can sound like something from Oscar Wilde, rather than practical guidance for life. This makes them difficult to challenge. However, one popular response is to say that a refutation is unnecessary.

Having children is part of the canvas on which ethics is painted, rather than part of the picture. The ethical picture can change, but the canvas is not optional. It holds our way of human life in place. Individuals can choose to procreate or not to procreate, but rejecting parenthood entirely has no place within a good society.

Critics find this response evasive. Many of us also wonder why humans are drawn toward parenthood and what we might be missing if we choose not to procreate. Schopenhauer answers the “why” question in The World as Will and Representation (1818) by claiming that biology overrides sound judgement and tricks us into producing the next generation.

But is it really a trick? After all, there do seem to be some important good things bound into parenthood.

The philosophical benefits of parenthood

Plato’s Lysis struggles to identify these good aspects of parental care. His central character, Socrates, gives some young men a hard time when they cannot identify what benefit they bring to their parents. What they fail to recognise is that the goods of parenthood involve seeing a child grow and mature – and finding meaning in the process.

This recognition of the role played by care for others is also present in many religious traditions – particularly in the ways that they address life’s sufferings.

Buddhists celebrate the rebirth of enlightened humans into a world of suffering in the hope that they may help other beings.

Confucians highlight that, across generations, children can care for parents and grandparents.

In both cases, care binds a good society together, in ways that sustain social hope. In contemporary social economy, the younger generation of taxpayers supports older generations as well as childcare.

While non-existence would avoid may bad things, new humans carry the possibility of making the future better than the past. Losing such hope for the future would be terrible all round.

Focusing instead on the lack of choice exercised by a nonexistent, unborn human generates interesting philosophical puzzles, but bypasses what runs philosophically deep. Such as the wonder that the female body is where the creation of all humans happens – the place where every pianist, pickpocket and anti-natalist starts out.

The female power to give birth also counteracts complex forms of sociocultural control and sets in motion practical problems: who will become family members of a new human? Will relatives and our wider society care in the right ways?

Women must make the final decision about giving or not giving birth. At the same time, to give life a sense of meaning, we share our lives with friends, life partners, and children. Disappointment, joy and loss are part of the package. Even Schopenhauer, who spurned parental love, felt the need to lavish care upon his beloved dog.

We can love and find meaning without having children. But parenthood is one of our more entrenched ways of trying to live meaningful lives. For some, there may be no other workable path. Personal histories can lead any of us to feel incomplete without children. More disturbingly, it can lead people to feel like failures if they remain childless. And that, surely, is a bad thing.

In a rare Sydney appearance, philosopher David Benatar presents The Case for Not Having Children at The Festival of Dangerous Ideas on Sunday 25 August, 2024. Tickets on sale now.

This article was originally published in The Conversation.

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Ethics explainer: The principle of charity

The principle of charity suggests we should assume good intentions about others and their ideas, and give them the benefit of the doubt before criticising them.

British philosopher and mathematician, Bertrand Russell, was one of the sharpest minds of his generation. Anyone deigning to offer a lecture in his presence at Cambridge University was sure to have every iota of their reasoning scrutinised and picked apart in excruciating detail. 

Yet, it’s said that before criticising arguments, Russell would thank them warmly for sharing their views, then he might ask a question or two of clarification, then he’d summarise their position succinctly – often in more concise and persuasive terms than they themselves had used – and only then would he expose its flaws. 

What Russell was demonstrating was the principle of charity in action. This is not a principle about giving money to the poor, it’s about assuming good intentions and giving others the benefit of the doubt when we interpret what they’re saying.  

The reason we need charity when listening to others is that they rarely have the opportunity to say everything they need to say to support their view. We only have so many minutes in the day, so when we want to make an assertion or offer an argument, it’s simply not possible to account for every assumption, outline every implication and cover off all possible counterarguments.  

That means there will inevitably be things left unsaid. Given our natural propensity to experience disagreement as a form of conflict, and thus shift into a defensive posture to protect our ideas (and, sometimes, our identity), it’s all too easy for us to fill in the gaps with less than charitable interpretations. We might assume the person speaking is ignorant, foolish, misled, mean spirited or riddled with vice, and fill the gaps with absurd assertions or weak arguments that we can easily dismantle. 

We also have to decide whether they are speaking in good faith, or whether they’re just engaging in a bit of virtue signalling and didn’t really mean to offer their views up for scrutiny, or whether they’re trying to troll us. Again, it’s all too easy to allow our suspicions or defensiveness to take over and assume someone is speaking with ill intent. 

However, doing so does them – and us – a disservice. It prevents us from understanding what they’re actually trying to say, and it blocks us from either being persuaded by a good point or offering a valid criticism where one is due. Failing to offer charity is also a sign of disrespect. And it’s well known that when people feel disrespected, they’re even more likely to double down on their defensiveness and fight to the bitter end, even if they might otherwise have been open to persuasion. 

It’s probably no surprise to hear that the internet is a hotbed of uncharitable listening. Many people have been criticised, dismissed, attacked or cancelled because they have said or done something ambiguous – something that could be interpreted in either a benign or a negative light. Some commentators on social media are all too ready to uncharitably interpret these actions as revealing some hidden malice or vice, and they leap to condemnation before taking the time to unpack what the speaker really meant. 

Charity requires more from us, but the rewards can be great. Charity starts by assuming that the person speaking is just as informed, intelligent and virtuous as we are – or perhaps even more so. It encourages us to assume that they are speaking in good faith and with the best of intentions. 

It requires us to withhold judgement as we listen to what’s being said. If there are things that don’t make sense, or gaps that need filling, charity encourages us to ask clarificatory questions in good faith, and really listen to the answers. The final step is to repeat back what we’ve heard and frame it in the strongest possible argument, not the weakest “straw man” version. This is sometime referred to as a “steel man”. 

Doing this achieves two things. First, the speaker will feel heard and respected. That immediately puts the relationship on a positive stance, where everyone feels less need to defend themselves at all costs, and it can make people open to listening to alternative viewpoints without feeling threatened.  

Secondly, it gives you a fighting chance of actually understanding what the other person really believes. So many conversations end up with us talking past each other, getting more frustrated by the minute. Arriving at a point of mutual understanding can be a powerful way to connect with someone and have an actually fruitful discussion. 

It is important to point out that exercising charity doesn’t mean agreeing with whatever other people say. Nor does it mean excusing statements that are false or harmful.

Charity is about how we hear what is being said, and ensuring that we give the things we hear every possibility to convince us before we seek to rebut them.

However, if we have good reason to believe that what they’re saying, after we’ve fully understood it in its strongest possible form, is false or harmful, then we need not agree with them. Indeed, we ought to speak out against falsehood and harm whenever possible. And this is where exercising charity, and building up respect, might make others more receptive to our criticisms, as were many of the people who gave a lecture in the presence of Bertrand Russell. 

The principle of charity doesn’t come naturally. We often rail against views that we find ridiculous or offensive. But by practising charity, we can have a better chance of understanding what people are saying and of convincing them of the flaws in their views. And, sometimes, by filling in the gaps in what others say with the strongest possible version of their argument, we might even change our own mind from time to time. 

 

This article has been updated since its original publication on 10 March 2017.

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