"예, 사람들은 나쁩니다."
Translation:Yes, people are bad.
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Rather than think of 'nida' as "to be verb", realize that every verb and every adjective ends in da (다) in dictionary form. For verbs, you might think of it like the word "to" which is used to form the infinitive of English words--to go, to write, to live etc. 니다 is somewhat like a conjugation would be in other languages, although in Korean it doesn't have anything to do with case or person, but is a matter of formality. All Korean sentences end with an adjective or a verb, and the ending of that adjective or verb can change based on the status of who one is talking to or talking about. Both 이다 and 있다 are translated "to be", but strange as it seems to English speakers, Korean grammar experts do not classify either as verbs. (동사). It seems natural to think of them as verbs, so I continue to do so, however one shouldn't necessarily correlate the 이다 honorific speech ending with the 이다 verb (or whatever it is called.)
That "니다" explanation does not make any sense. 다 has no meaning by itself and its origins may be from early middle korean. It is considered an ending particle for plain formality and for the infinitive form of verbs/adjectives. ㅂ니다/습니다 is the polite formality conjugation. 이다 and 아니다 are considered copulas. 있다 is an adjective which means "to be existent". My advice for all of you is to never translate foreign grammar to your native one because you will always get confused. Try to learn a language in terms of the language itself and you will save a great amount of time.
Is anyone else noticing the male and female speakers pronouncing things totally differently? The female speaker pronounces ㄴ like ㄷ. How am I supposed to learn Korean without knowing how to pronounce things? And how do they understand each other if different words sound the same?
Actually the past tense of 나빠요 /nappayo/ is 나빴어요 /nappasseoyo/. And the past tense of 나쁩니다 /nappumnida/ is 나빴습니다 /nappassumnida/. They are different politeness levels so they don't automatically get conjugated the same in the past tense. Anything that ends with an -읍니다 is going to be the most polite or formal.