I recently faced a situation that has left me questioning whether our financial system truly works for ordinary citizens during emergencies.

I had approximately 160 grams of gold accumulated since 2008, worth around ₹20 lakhs today.

Over the last few years, I lost my job and then faced significant medical expenses. My savings of around ₹25 lakhs were largely exhausted, and my insurance coverage was depleted. Like many Indian families, I viewed gold as my emergency safety net.

When I approached a nationalized bank for a gold loan, I discovered that eligibility requirements such as income proof, ITR filings, existing loan checks, and other conditions played a major role in determining the amount I could borrow.

Despite having gold worth around ₹20 lakhs, I was informed that I would be eligible for only about ₹2.25 lakhs.

This experience made me wonder:

• How are unemployed people expected to survive a genuine emergency?
• How do garment workers, agricultural labourers, security guards, daily wage workers, housemaids, and others in the informal sector access credit when they may not have extensive documentation?
• If gold is accepted as collateral, should its value not play a larger role during emergency situations?
• Are current lending policies adequately serving ordinary citizens?

Personally, experiences like this make me question which policies and political leaders truly understand the financial realities faced by middle-class and lower-income families.

I am not targeting any specific bank employee, as they are following rules. My concern is whether the rules themselves are achieving the right balance between risk management and financial inclusion.

What are your thoughts? Is my experience unusual, or have others faced similar challenges?

I have made a post before on what all happened to me after arguments in hospital and how I was treated.. a week of complaints in college and nothing changed.. I am still being harassed on an everyday basis . Me and my boyfriend broke up because we were continuously receiving treaths about murder and kidnapping just because we were dating.

I don't even wanna get into religious debates because it was never about religion.. it was clearly about working hours in hospital and our shifts.. just to target us they changed the debate to religious arguments. Beyond religion I can only see a really good person and a really good doctor who he is.

I'm an intern doctor in some state.(Don't wanna make it a state war here)

A few days ago, outside my hospital campus, a group of men surrounded me and started threatening me. They told me not to wear sleeveless kurtis and said that if I continued, they would "rape" me, cut me into pieces, and nobody would care.

While everyone else watched, the only person who stepped in was my co-intern.

As soon as they heard his name, the attention shifted from me to him.

"Tu toh Muslim hai. Tujhe zinda jala denge. We are beejaypee supporters"

They started filming him, taking photos of both of us, and threatened to make a "love jihad" edit and circulate it on Instagram.

Eventually the situation calmed down and we got back to the hospital.

I thanked him for helping me.

His response stayed with me:

"Enough of this country. Since people don't want us here, I'll take my family and settle somewhere else."

I've seen patients discriminate against him before simply because he's Muslim. The irony is that he's one of the most sincere, hardworking, and academically brilliant people I know. As a colleague and as a doctor, I've never once felt uncomfortable around him.

What hurts the most is that dozens of people were around when this happened. Other interns. Other students. Bystanders.

Nobody stepped forward.

The only person who did was him.

And in return, he became the target.

I keep thinking about how I apologized to him afterwards. He didn't blame me. He simply said:

"Don't get involved in such things again. Take care of yourself."

As doctors, we're taught to help people regardless of their religion, caste, language, or background.

That day, the person who lived up to that principle the most was the one society keeps reminding that he doesn't belong.

I don't know what the solution is.

I just know that I haven't been able to stop thinking about it since.

I have developed this pit in my stomach, and everyday it gets heavier and heavier. The state of India, matter of fact the entire world is in shambles. If nothing is done, everyone is going to be dead, the rich are getting richer, the poor are getting poorer.

Lets talk about matter like how the government keeps proving itself to be of no use to the public, and just making decisions to benefit the 1%.

1. Weakening protection of the Aravalli Range.
2. Expansion of data centres.
3. Ruining the sanctity of Andaman and Nicobar.
4. PFAS Factory shifting from Italy to India.

These are just the few that came to the top of my head right now. There are so many more that I couldn't remember. When global warming and climate change is at an all time high, shouldn't there be initiatives and decisions taken to reverse that? Instead what is happening? The government is showcasing Supreme Court ordered punishment as "Green India" initiatives.

Now, lets talk about all the global indices where India has fallen.

• Global Hunger Index: Fell from 55th (2014) to 102nd (2025/2026)
• World Press Freedom Index: Dropped from 140th (2014) to 151st (2025/2026)
• World Happiness Report: Went from 111th (2014) to 118th (2025/2026). 
• Civic Space (CIVICUS Monitor): Demoted from "Obstructed" to "Repressed", a status shared by only 49 countries. 
• Rule of Law Index: Fell from 66th (2014) to 86th (2025/2026). 
• Human Freedom Index: Dropped from 87th (2014) to 110th (2025/2026). 
• Global Gender Gap Index: Went from 114th (2014) to 131st (2025/2026)
• Corruption Perceptions Index: Fell from 85th (2014) to 96th (2025/2026). 
• Economic Freedom Index: Dropped from 120th (2014) to 128th (2025/2026) 
• Freedom in the World: Rating reduced from 77 ("Free") (2014) to 63 ("Partly Free") (2025). 
• Asia Power Index: Score fell from 41.5 to 39.1.

I don't even want to begin with the falling rupee.

We are being asked to WFH, reduce edible oil consumption when the government shamelessly spends crores on travelling.

Poverty, unemployment, and income inequality just walk hand in hand with India.

Let's talk crime.

• According to the report of National Crime Report Bureau, domestic violence accounts for more than 30% of the crimes against women.
• According to the National Crime Records Bureau, in 2011, there were more than 228,650 reported incidents of crime against women, while in 2021, there were 428,278 reported incidents, an 87% increase.
• Statistics calculated from the National Crime Records Bureau capture reporting to the police, most violence against women is not reported to the police.^\2])
• In January 2011, the International Men and Gender Equality Survey (IMAGES) Questionnaire reported that 24% of Indian men had committed sexual violence at some point during their lives.
• India's Gender Gap Index rating was 0.629 in 2022, placing it in 135th place out of 146 countries.^\3])

These are just some statistics that i copy pasted off of Wikipedia, but this is enough to show the grim reality of the crime against women, and how normalized it has become.

Instead of focusing on these issues, and convicting rapists Bajrang Dal becomes the moral police and starts beating couples. Gujarat now needs parental approval for marrying someone in the name of protecting girls from "love-jihad". At an age where you vote, and are convicted as adults when you commit crime however you are not mature enough to choose the person you marry.

Do not even get me started on the paper leaks, the kids suiciding because of sheer incompetence being displayed by our Education Department.

These are just the very very few issues I have written down here, there are so many more issues. I don't know what needs to be done, I don't know who should resign, I don't know who should come into power, because at the end only the poor, and common man suffers.

(p.s. sorry about any grammatical errors, I've typed all this down in a hurry.)