A little background in my experiences...
I've had a classroom of kids discuss how they were going to kill me. The methods, the timing, everything. Right in front of me. I filed a police report against it. But it was like a game of whack-a-mole. That shit had gone on, and did go on, the entire time I was in school.
I've been attacked. In my own driveway, back when I was 18. I had my nose broken in three different places with brass knuckles that night. Same kids.
When I was 20, my parents read my IRC logs and found out I was gay. The counselor they talked to suggested that they lie to the police "If they truely loved me" and say that I was trying to commit suicide. The whole 72 hour hold ordeal. The counseler said that a mental hospital could fix my head, and make me straight. So in came the police one day, and out I went in handcuffs. To say I was surprised was an understatement. To say that I understand what it feels like for a family to betray you, and for those who don't understand you-- HURT you ... is quite accurate. It took a couple days for the docs to figure out what really was going on. And I checked myself in on the third day, because I didn't want to go home. I didn't feel like I had a home. Spent 13 days there and I really should have sued the counselor. Ohwell.
When I moved to california (bay area) to live with Phyxis, shortly thereafter we had a neighbor calling us faggots and telling us that we should leave.
We were moving anyways, as we purchased a condo. Fat lot of good that did, our neighbors were real pieces of work, and it wasn't long before we had pizzas thrown at our truck on a weekly basis. I had the gay pride sticker keyed off my car, in the bay area! I got called a fag from a variety of passers-by more times than I could count.
I had someone pull up along side my car, and throw a slurpee into my open passenger window, shouting FAGGOT and trying to run me off the road. Guess that gay pride sticker really isn't good for much!
The next place we moved to-- the HOA was a buncha good 'ol boys. We purchased a nice condo and our greeting to the neighborhood was an outlined snippet of the HOA rules, with the area outlined noting "No immoral/unethical conduct is allowed in the premises" ... Phyx and I joked about having to sleep in separate rooms. Our cars were towed on more than one occasion after forgetting to put the parking tag on the rear view mirror, but most other cars all lacked the tags. It was blatant, and direct-- and swift too. Phyxis is rather obsessive. The one time he forgot to put the tag in his truck, it was gone in less than 2 hours. We had various complaints all filed against us. In all, it was a pitiful experience.
I think I'm within my rights to be sensitive to hate crimes.
So when I deal with comments like I have in the workplace now-- I aint happy about it.
It's no small wonder there isn't a gay pride sticker on my car now. And I'm fairly terrified of people, bad people, finding out that I'm gay. These days not so much for what they might do to me, but rather.. the opposite. In the end it's all the same, and it's all bad.
This was all I could remember in the 10 minutes it took for me to write this out. There's been a hell of a lot more that has happened to me in a bad way-- I know I'm leaving a bunch of stuff out.
Here's a delightful math problem... try to follow along to figure out how you can lose $190! (Please note: I've not used WF for several years, this was a long time ago)
Initial account balance: $500
Day 1: purchase $50 in gas, $8 for lunch on debit card.
account balance COB: $500
Day 2: buy $200 of stuff, $8 lunch on debit card.
account balance COB: $500
day 3: write check for $300, $8 lunch on debit card
account balance COB: $500
day 4: no activity
account balance COB: $500 (stuff takes time to clear!)
day 5: get paid $500 - direct deposit
account balance COB: $303 (you foolish grasshoppah think that this is before your paycheck has cleared, bwahah)
day 6: rent, write check for $350
day 7: no activity
day 8: try to buy lunch, $8, but debit card is declined.
race back to work, hop online and look: account balance: -$47.00 (!!!)
WTF happened? Lets do the math boys and girls...
They dumped it all at once on the 5th day, clearing the two biggest charges first, knocking the account balance to $0, then charged $33 over-draft fees for the gas and the three lunches, each, and applyed the paycheck at the very END so it didn't cover things. All the transactions get back-dated to look as though they were withdrawn at the time of purchase, when they weren't.
Day 9: cuss out wells fargo on phone to find out all this information.
account balance: $$302
Day 10: you deposit $50 cash to try and bring the account into the black to cover your rent check.
Day 11: $350 check bounces, NSF. Landlord calls you up, wants $350 cashiers check + $25 NSF fee.
account balance: $319 AFTER your $50 deposit.
Kicker: The bounced check was a $33 NSF fee, so $50 wasn't enough to put the account into the black if the check cleared.
You: lose $190 gain: 0. ethics: sux2bu
WellsFargo: lose $0, gain $165 ethics: unfair for the payOR, but fair for the payEE, hah hah hah hah! Tell him vinnie. "If you don't pay, Pizza is gonna send out for YOU..."