Once upon a time, there was a pregnant borrower named Goldilocks who wanted to make a better world. She first went to an Occupation on the East Coast, where she organized the other pregnant women into a Birthing Camp. Even though much of the labor was voluntary (no pun intended), the Birthing Camp needed to purchase medical supplies, most of which were rather expensive. Goldilocks went to the Accounting Working Group to apply for Occupy Funds but was told that her application wasn’t in order. She spent a day gathering the necessary receipts and then two days waiting for a disbursement check. On the third day, she returned to their office on the twelfth floor near the Occupied Park.
“What gives?” she asked the two young men in knit beanie caps. “I thought we had over a half million dollars in donations.”
The men were hunched over their laptops, entering receipts into an Excel Spreadsheet. They didn’t look up.
“What gives?” she said more loudly.
Finally a third man came in with some take-out Chinese food. “Sorry,” he told Goldilocks. “We don’t do disbursements until Tuesday.”
“But I’ve got women who could go into labor today!” said Goldilocks. “I can’t wait until Tuesday. This bank is too small!” Goldilocks stormed out the door.
So Goldilocks left the Occupation and traveled through time and space until she came to The Promised Land (also known as California) where people like her were buying condos left and right. She filled out the application and within three days she was approved for a loan. On her way to the closing, she happened to run into one of the seven dwarves, who had just purchased a condo through the same lender. “Great rates!” said one of the dwarves (she could never keep their names straight). “Low closing costs!”
“How great? How low?” asked Goldilocks and they compared the fine print. Goldilocks stormed into the conference room at Countryside. “What gives?” she demanded. “How come you gave the dwarf a better deal?”
“You’re a riskier borrower,” explained the mortgage officer, who looked a lot like the wolf from another fairy tale, “We had to go sub-prime on your loan.”
Goldilocks looked long and hard at the wolf. “This wouldn’t happen to have anything to do with my father’s race, would it?” The mortgage officer quickly looked away. “We just follow the numbers on the application form,” he said.
“This bank is too big,” she said. “But not too big to be slapped with a housing discrimination lawsuit!” She walked out the door.
Goldilocks, who was now very pregnant, found herself in an unenviable position. While she had avoided the attack from the mortgage wolf, she didn’t have a condo or even a Birthing Camp. What she needed was a small community with a bank that was just right.
All her life, Goldilocks had been able to find the sweet spot between too big and too small. Indeed, she had developed a reputation for establishing the proper measure of things. Academics in cultural studies described her as the “people’s Aristotle” due to her intuitive knack for discovering the mean between two extremes. But the 21st century was proving to be a rough century for Goldilocks. It wasn’t just banks that were too big or too small: Her housing options were equally extreme. She could either buy a big house that would cost a fortune to heat, or she could set up a tent at an occupation. Everywhere she looked, she saw too big or too small. No doubt, her condition contributed to the sense that there was no middle ground; her belly seemed much too big for her small frame.
On Christmas Eve, Goldilocks went back to the Birthing Camp in the East and gave birth to a baby boy. “Oh my,” she said to herself, “the cultural critics will have a lot to say about this!” The child was, as many newborns are, just right and Goldilocks was pleased with his proportion. Still, she was dissatisfied with her living situation. Why couldn’t she find a bank, a town, a community that was just right? Goldilocks began to think it was time to try her luck in the middle region. If things were too small in the eastern camps and too big in the western developments, maybe they would be just right in Ohio.
But the news from the hinterland wasn’t good. A young woman in the next tent told her about her family’s neighborhood on the east side of Cleveland. As the baby napped, Goldilocks pulled out her iPhone and did a bit of research. “Until it closed its doors in December, the Ohio Savings Bank branch on North Moreland Boulevard was a neighborhood anchor, midway between the mansions of Shaker Heights and the ramshackle bungalows of the city’s east side,” wrote a reporter for the New York Times. “Now it sits boarded up.” Goldilocks put down the iPhone. If the mid-West had no middle ground, where would she go?
Things were looking bad for Goldilocks and the newborn until she heard about something called the Transition Initiative. Her iPhone described a network of towns that were teaching themselves how to make do with less (which addressed the problem of Too Big) and were sharing resources with each other (which alleviated the problem of Too Small). There were a couple of towns in Southeastern Vermont that had begun the process of becoming Transition Communities and the more she read, the more she knew they were on their way to becoming just right. She said goodbye to her neighbor in the tent next door and got a ticket on the Megabus as far as Amherst, Massachusetts. With any luck, she should be arriving before the New Year.
Meg Mott teaches political theory at Marlboro College. Comments welcome at: www.megmottshottopics.com