WEBVTT 00:00.015 --> 00:07.600 Iinzuzo zibe zezabucala – iilahleko zibe zezentlalo 00:07.600 --> 00:13.720 Iingcali zezemali ezivukileyo, kwintsizi yazo yokuqala, zaqaphela uqikelelo olungekho mthethweni olwenziwe ngu 00:13.720 --> 00:18.800 Abatyali-mali abakhulu abenza i-speculation okanye abarhwebi ngemali yangaphandle bahlala bethelekiswa nobuqhetseba bekhasino. 00:18.800 --> 00:22.520 Noko ke, le ngqikelelo ayibahluleli kakuhle abaqhubi bekhasino. 00:22.520 --> 00:27.698 Ngokungafaniyo nabatyali-mali abakhulu abangenakubalwa, bahlala babelana ngezahlulo 00:27.698 --> 00:30.880 ezincinci okanye ezinkulu zenzuzo yabo nenkampani. 00:30.880 --> 00:39.760 Umzekelo, i-50% yenzuzo yeekhasino zaseSwitzerland iya ngqo kwi-Old Age and Survivors' Insurance (AHV). 00:39.760 --> 00:46.357 Kwelinye icala, abatyali-mali abaninzi abakhulu abaqikelelayo, ngobuchule bayiphepha ingeniso yabo yenzuzo yedibheni, enye yayo 00:46.357 --> 00:51.655 idlula i-CHF 500 yezigidi, besenza ngathi ayikho le nto – ngamanye amazwi, bayinandipha ngokupheleleyo 00:51.655 --> 00:54.720 nangasese inzuzo yabo yokuqikelela bengahlawulanga rhafu. 00:54.720 --> 01:01.560 Kwaye ngoku masithe kuwo umongo wento: ukuba umqhubi wekasino utyhafa, loo nto ihlala iyimicimbi yakhe yabucala. 01:01.560 --> 01:06.840 Akakwazi ukudlulisela iityala zakhe zekhasino enkampanini ngendlela ethi: 01:06.840 --> 01:12.560 Ndalwabelana nawe ngenzuzo yam, ngoko ke ngoku masabelane ngeelahleko zam zokuqikelela. 01:12.560 --> 01:17.400 Kungenjalo, nawuphi na omnye usomashishini angatsho into efanayo. Amalungelo alinganayo kubo bonke. 01:17.400 --> 01:23.160 Kodwa oko kude nenyani. Le nto ayinjalo kwabanye abatyali-mali abakhulu nabarhwebi ngemali yangaphandle. 01:23.160 --> 01:28.328 Uninzi lwabo baluhlobo, emva kokuba lwenze iimpazamo zokubala lwaza lwalahlekelwa zizigidi ngezigidi, 01:28.328 --> 01:33.240 luyakwazi nje ukudlulisela ilahleko yalo eluntwini – ngamanye amazwi, kuthi abahlawuli berhafu. 01:33.240 --> 01:40.040 Le iseyindlela yokusebenza yeebhanki ezingenakubalwa ezizimeleyo neenkampani ze-inshorensi kwihlabathi jikelele. 01:40.040 --> 01:46.668 Logama nje beqhubeka nokuqokelela iibhiliyoni zenzuzo kwiintengiselwano zabo zokubheja, bayandisa ubutyebi babo; 01:46.668 --> 01:51.146 ngakolunye uhlangothi, ukuba benza ilahleko yeebhiliyoni, banokuyidlulisela lula 01:51.146 --> 01:54.000 eluntwini – ngamanye amazwi, kubahlawuli berhafu. 01:54.000 --> 01:59.680 Ubutyebi babo obuzuzwe ngobuqhetseba obungahlawulelwa rhafu busahleli bungachukunyiswanga, kunye nemivuzo yabo emikhulu. 01:59.680 --> 02:03.880 Kwezinye iimeko, kwanamabhonasi ayakhuselwa. 02:03.880 --> 02:09.801 Ukuze bangavusi abantu abacinezelweyo kubuthongo babo obungathi busiya busiba nzima, oosopolitiki 02:09.801 --> 02:13.280 abathile bahlala becula iingoma zokulalisa zobukhohlisi. 02:13.280 --> 02:19.641 Ezi ngxolo zokuthomalalisa zibonisa abemi ukuba kwiingxaki zemali ezizayo, iibhanki ezibheje kakubi ziya kunyanzeleka 02:19.641 --> 02:23.120 ukuba zithwale uxanduva ngokwazo... kunye nabaninimasheya bazo. 02:23.120 --> 02:26.960 Ukuthetha akufani nokwenza. 02:26.960 --> 02:34.240 Kuba eneneni, oosopolitiki basaphulaphula nje iimpawu endaweni yokujongana nezikhula eziyinkankala ngokwenene. 02:34.240 --> 02:42.280 Abantu abangumhlaza basengabo oosombhanki, abangenisa izigidi kwiimivuzo neebhonasi ngokurhweba okungqikelelo. 02:42.280 --> 02:48.672 Kodwa iinkampani ze-inshorensi ezingenakubalwa kunye neenkampani ezinkulu ezifana nezo zamachiza, ezonxibelelwano, 02:48.672 --> 02:54.840 ezonikezelo lombane, ezesayensi, kwaye ngokwandayo neenkonzo zeposi, ezolimo, njl.njl., nazo zenza okufanayo. 02:54.840 --> 02:59.600 Akukho namnye kubo otyala ngemali yakhe, kodwa batyala ngemali yoluntu. 02:59.600 --> 03:04.120 Kwaye ngokwenza njalo, bahlala bechitha ubutyebi obukhulu boluntu. 03:04.120 --> 03:12.600 Emva koko, abanaso isabelo semali esiyimfuneko, oko kukuthi, imali yabo, ukuhlawulela iilahleko zabo zokungcakaza. 03:12.600 --> 03:18.719 Abanini-bhanki zabucala, abenza iibhiliyoni zenzuzo ngemali yethu yomphakathi – ikakhulu ngenzuzo yokuqikelela – 03:18.719 --> 03:24.040 baye baba ngamxhelo mnye ngokuboleka iimali zethu ngeereyithi zenzala ezingaphantsi kwezinga lokuphila. 03:24.040 --> 03:29.320 Umntu angazibuza kuphela: Sisisidenge kangakanani na ngokwenene? Kwaye kuseza kuthathe ixesha elingakanani? 03:29.320 --> 03:33.204 Siza kubaphendulisa nini na ekugqibeleni bonke aba bathengisi boqikelelo 03:33.204 --> 03:36.440 abazizigidi-zigidi, ngenxa yamatyala abo oqikelelo kuphela? 03:36.440 --> 03:43.160 Abahlawuli berhafu bahlala nje bexhasa ngemali abenzi bobubi abanjalo ngokungazi, kuba bengenalo nofifi lokuba kwenza ntoni. 03:43.160 --> 03:48.535 Inkqubo yonke yemali yabanikezelwa ebantwini ngendlela entsonkothileyo kangangokuba 03:48.535 --> 03:51.320 abasakwazi nokubona ubuqhophololo obulula. 03:51.320 --> 03:58.837 Nawuphi na umgxeki ochaza iintengiselwano zebhanki, i-inshorensi nezinye ezifanayo zokungcakaza njengezihlabaxa okanye 03:58.837 --> 04:06.354 eziyobugebenga unyanisile, ukuba nje abo bathintekayo baqhubeka nokuzigcinela inzuzo yabo ngelixa badlulisela ilahleko 04:06.354 --> 04:10.240 eluntwini, kwaye bagcine nemivuzo yabo emikhulu neebhonasi. 04:10.240 --> 04:16.080 Ngale ndlela yobuqhophololo, oosomali bazise ihlabathi emngciphekweni wentlekele. 04:16.080 --> 04:23.384 Kwaye baya kuqhubeka besenjenjalo de abantu bavuke bafune ukuba iilahleko ezenziwe 04:23.384 --> 04:27.800 ngabatyali-mali beebhanki zibuyiswe ngabaphathi bodwa. 04:27.800 --> 04:33.600 Okufanayo kusebenza kuzo zonke iimodeli zoshishino ezifanayo zokuqikelela nokwabela ngokutsha. 04:33.600 --> 04:42.960 Kungekudala, kungaqokelelwa iibhiliyoni ngale ndlela, kwaye abemi ababekhe baxhatshazwa bengaphila ngcono kakhulu. 04:42.960 --> 04:49.320 Kodwa iinkqubo zethu ezibizwa ngokuba zokhuseleko ngokwazo zithintela naluphi na ulungiso. 04:49.320 --> 04:56.112 Kanjani? Kulula nje: ngokunyamezela uthungelwano olungekho mthethweni noluyimfihlo, oko kukuthi, 04:56.112 --> 05:00.640 ubudlelwane obunceda macala phakathi kwabalawuli nabalawulwayo. 05:00.640 --> 05:08.536 Uninzi luthula ngolu rhwaphilizo lusasazekileyo ngenxa yokuba nje lunganikiwanga ulwazi olwaneleyo ngalo okanye 05:08.536 --> 05:12.520 sele luzamkele, nangona lulihlala lulizisithinjwa zalo. 05:12.520 --> 05:18.064 Kwaye olu thulelo, ngokulandelayo, lubangela ukuba abantu abaxhatshazwayo bavuse ubuganga obukhulu ngakumbi 05:18.064 --> 05:23.400 phakathi kwabantu abazenzela inzuzo kurhulumente, kushishino, kwiinkampani ze-inshorensi, njalo njalo. 05:23.400 --> 05:29.919 Ezi nkokheli ziphezulu, ezinye zazo zindala kakhulu, zikhuthazwa ngakumbi kukuthula okungenamandla kwabantu ukuqhubeka 05:29.919 --> 05:35.775 nobuqhophololo bazo bokwenza izinto zibe zezabo, kwanokubandakanya ukwandisa obu buqhophololo ngokuphelisa 05:35.775 --> 05:39.200 imali engxoweni, iirates zenzala ezingaphantsi, njalo njalo. 05:39.200 --> 05:43.381 Ukwenziwa ngobukhohlo kokwenzelwa abucala kwenzuzo nokwabelwana ngelahleko eluntwini kube 05:43.381 --> 05:46.200 yinxalenye yobomi bethu bemihla ngemihla amashumi eminyaka. 05:46.200 --> 05:53.713 Phakathi kweenkxalabo zemali ezisoloko zanda, sitsalelwe yintloko ukuba kumazwe anomgaqo-siseko afana nelethu, kwakungekudala 05:53.713 --> 05:57.560 kangako ukuba kwakusisithethe ukubopha kuphela abo banoxanduva. 05:57.560 --> 06:02.680 Iinkundla zolwaphulo-mthetho zinokugweba isigwebo sokubanjwa entolongweni esingangeminyaka eli-10. 06:02.680 --> 06:09.260 Abahlawuli berhafu kuya kufuneka bathwale ityala ngenxa yalo lonke olu lungiselelwanga luhlanya, logama nje besilela 06:09.260 --> 06:12.720 ukubeka umthwalo wetyala kwabo banoxanduva ngokwenene ngalo. 06:12.720 --> 06:19.600 Ukuba abayenzi loo nto, iintlanga ziya kungqubana ngqo kwintlambo elandelayo yamatyala ngokuqiniseka okupheleleyo. 06:19.600 --> 06:23.400 Kwaye zonke oorhulumente behlabathi ziyayazi le nto ngokuqinisekileyo. 06:23.400 --> 06:27.360 Nangona kunjalo, konke oku kunye nokunye okuninzi kwamkelwa ngaphandle kwempikiswano. 06:27.360 --> 06:33.057 Ihlabathi lethu lisongelwa kukuphela kobukho kwalo ngazo zonke iindlela ngenxa yezobuchwepheshe ezichasene 06:33.057 --> 06:37.840 nobomi, inkxaso-mali, ukwenziwa zizabucala kunye nezinye iindlela ezininzi zolawulo-mbi. 06:37.840 --> 06:43.600 Iintsuku bezingonelanga ukuchaza zonke ezi nkqubo zokwabela ngokutsha eziyintlekele. 06:43.600 --> 06:50.858 Ngoko ke lixesha lokuba kuvuswe abantu abaleleyo nabathontsitswe ngamajelo eendaba, ukuze bakwazi ukuzikhulula kwimibopheleleko 06:50.858 --> 06:58.287 yamatyala ababekelwe yona ngokungekho mthethweni, baze babuyisele umthwalo wamatyala ezintloko zabo bantu banoxanduva ngokwenene!