The elitist idea that it’s okay to exclude people from public service for not having property cannot be framed as “harm reduction” when in fact it fails at that. The people who have mobile phones and subscriptions are the same people who can afford Wi-Fi at home, data plans, etc. These are people who are already served by the private marketplace. You merely give them a convenience at the expense of spending money in a way that marginalises the needy. It’s not just discrimination you advocate -- the money is poorly allocated when it should go toward serving precisely those you exclude; the ones underserved by the private sector. By catering for the more privileged you only introduce harm by creating a false baseline that harms the excluded groups even more. Libraries were more inclusive 10 years ago, before they needlessly introduced these SMS-imposing captive portals. And some still are inclusive. Some poorly managed libraries have gone in an exclusive direction and this trend is spreading.

We’re at #2.

Who? Which library is at #2? Some libraries are entirely inclusive and treat everyone equally. Some libraries have regressed and have no pressure to join the inclusive world. You’re opposing the pressure that’s needed to make them better. That’s not helpful.. that just enables the problem to worsen.

Having services for some rather than none is quintessential harm reduction.

No it’s not. It increases the harm. We have already reached a point where many governments assume everyone is online and they have used that assumption to remove offline services. So people who are excluded are further harmed by the exclusivity as it creates more exclusivity. If a public service cannot be inclusive then nixing it ensures the infrastucture is in place to compensate knowing that the service is not in place.

extremely childish and harmful.

Elitism is extremely childish and harmful. Respect for human rights is socially responsible. It’s the adult stance.

Unified Declaration of Human Rights, Article 21:

“2. Everyone has the right of equal access to public service in his country.”

If a library is exclusive the threat of defunding has two outcomes:

• compliance -- to become inclusive and (if necessary) show the door to elitists therein who think it’s okay to exclude people
• closure (unrealistic, see below)

Either outcome is better than directing public money toward exclusive services. In the case of closure, the same money can rightfully be redirected toward other libraries that are inclusive.

Compliance splits into two possible outcomes:

• exclusive services dropped entirely; inclusive services like book/media access continue
• exclusive services reworked to become inclusive

Both of those are better outcomes than inequality. Dropping an exclusive service invites pressure to fix it. In any case, the elitism of exclusive public service is unacceptible because it undermines human rights.

(edit) One thing I did not consider is the exclusive services getting non-public funding. If Wi-Fi is going to be exclusive/elitist, perhaps it’s fair enough to continue as such as long as Google or Apple finances it. The private sector is littered with exclusivity and that doesn’t pose a human rights issue. In any case it’s an injustice if one dime of public money goes toward a service that is exclusive, which has the perversion of potentially excluding someone whose tax funded it.

I’m scared.

The irony, hypocrisy, and injustice here is that the UN’s own website itself discriminates against some demographics of people and denies access to the UDHR of 1948:

And this same UN will be creating the Digital Global Compact.

I would love to put my code where my mouth is. It’s on my long list of projects. The defects I describe in this thread probably do not justify a forking effort and I’m not enthusiastic about learning JavaScript, which is not just a shitty language but also it’s the wrong tool for the job. Although Rust is probbly a decent choice for the backend (but Ada would probably be better).

The biggest deficiency is that there is no decent threadiverse desktop client. I am just baffled that a majority of threadiverse users are using phones. There are like a dozen different mobile clients to choose from and not a single decent client for the desktop. So if I build anything it will be a proper client for a sensibly sized screen (non-portable).

As for fixing the defects exposed in this thread, the upstream Lemmy devs are rather stubborn but I think devs of an existing fork (Lenny?) might be more open to improvements.

Who would use a well-designed variant? You can see from the thread that millennials & gen Zers actually expect designs that prioritise the anti-bot agenda above the needs of both the direct user (the admin) and the end user. A majority of the population does not see how Google, Spamhaus, and Microsoft have broken email. This threadiverse crowd entered after email was already ruined. The emotional attachment to gmail (calling it what it is.. there is no generic netneutral email infra anymore) trumps software that avoids the dog food problem. I might be the sole user of such software, especially if I also code it to enforce decentralisation (which would necessarily include anti-centralisation features that would be unpopular).

to have not actually had an account yet makes it pretty obvious when you try to login and fail that the application has not been accepted.

That would be a blunt non-transparent/non-specific message to send. It’s not obvious /why/ the reg was denied.

If the instance admins wanted to talk about it, they’d have emailed you; or published some means of contacting them outside lemmy.

Lemmy software is designed as comms software itself with email address disclosure optional. An admin can make it mandatory, but Lemmy’s design should cater for the email-free option regardless of how an admin toggles that setting.

I wouldn’t expect to receive the reason for refusing the application via any other means than the email I’d provided in that application.

I get that. People are accustomed to relying on email. But this is not an excuse for software deficiencies.

That’s the entire purpose of providing an email; so you could be contacted when/if there are updates to your applications status.

That can be accomplished without email. Email is a convenience at best. Some users have decided email is an inconvenience and do not use it. And Lemmy supports that -- partially.

Let’s be clear about who the software is expected to serve. The comms feature of giving feedback to users without an email account is not to directly serve the end user. Software should serve its user (the Lemmy admin in this case). A Lemmy admin does not want to take the time to express themselves on their decision only to have their msg blackholed. They don’t necessarily know that an email address is disposable. The end user benefits by extension, but it’s about creating software that serves the direct user of the s/w. If you’re an admin who makes email optional, you might still want to be able to get a msg to a user.

The core purpose of the Lemmy platform is communication. So relying on out-of-band tech is kind of embarrassing. Think of it from the dog food angle. An in-band msg has the advantage that the admin has more control (e.g. they can edit a msg later and they can know whether the msg has been fetched). Lemmy relying on email as a primary means of comms is a dog food problem.

The only sensible concession I would see to make is that there are a hell of a lot more important things for Lemmy devs to work on because the software has a lot of relatively serious defects. I’m talking about how great software would be coded, but extra diligent handling of denials should have a low triage in the big scheme of the state of where Lemmy is right now.

The cognitive dissonance in this

It seems you don’t know what that phrase means. It doesn’t follow from anything else you wrote why you think that.

You don’t think providing an email from a throw away service would strike the software as a malicious user/spam bot???

You don’t think that legitimate streetwise users secure themselves by supplying disposable email addresses???

You keep talking like you know everything

The post intends to solicit intelligent and civil discourse with logical reasoning, not the sort of ego-charged emotional hot-headed pissing contest you’re trying to bring here.

I’m not seeing how this is a good justification for login refusals to lack information and transparency. When you are denied a login, a well designed system tells you why you are denied and the rationale the server gives you should either include enough info to imply a remedial course of action (e.g. “re-apply and tell us more detail about why you like our node”), or at least make it clear that the refusal is final for reasons that are non-remedial. Users should not have to guess about why they are denied a login when countless things can go wrong with email at any moment. The denial rationale should be emailed and also copied into the server records to present upon login attempts.

The only exception to this would be if they really believe they are blocking a malicious user. Then there is some merit to being non-transparent to threat agents. But the status quo is to treat apps rejected for any arbitrary reason as they would an attacker.

I don’t want to be an enabler of the drivel, so without posting the full URL to that article that’s reachable in the open free world, I will just say that medium.com links should never be publicly shared outside of Cloudflare’s walled garden. I realise aussie.zone is also in Cloudflare’s walled garden, but please be aware that it’s federated and reaches audiences who are excluded by Cloudflare.

The medium.com portion of the URL should be replaced by scribe.rip to make a medium article reachable to everyone. Though I must say this particular article doesn’t need any more reach than it has.

Anyone who just wants the answer: see @souperk@reddthat.com’s comment in this thread.

A website isn’t a common carrier

We were talking about network neutrality, not just common carriers (which are only part of the netneutrality problem).

you cannot argue that a website isn’t allowed to control who they serve their content to.

Permission wasn’t the argument. When a website violates netneutrality principles, it’s not a problem of acting outside of authority. They are of course permitted to push access inequality assuming we are talking about the private sector where the contract permits it.

Cloudflare is a tool websites use to exercise that right,

One man’s freedom is another man’s oppression.

necessitated by the ever rising prevalence of bots and DDoS attacks.

It is /not/ necessary to use a tool as crude and reckless as Cloudflare to defend from attacks with disregard to collateral damage. There are many tools in the toolbox for that and CF is a poor choice favored by lazy admins.

Your proposed definition of net neutrality would destroy anyone’s ability to deal with these threats.

Only if you neglect to see admins who have found better ways to counter threats that do not make the security problem someone elses.

Can you at least provide examples of legitimate users who are hindered by the use of Cloudflare?

That was enumerated in a list in the linked article you replied to.

Interstate commerce is governed by the federal government.

Not exclusively. Interstate commerce implies that the feds can regulate it, not that they have exclusive power to do so. We see this with MJ laws. The fed believes it has the power to prohibit marijuana on the basis of interstate commerce, but in fact mj can be grown locally, sold locally, and consumed locally. Just like internet service can be.

Suppose you want to buy a stun gun in New York. You can find stun guns sold via mail order from another state (thus interstate commerce), but New York still managed to ban them despite the role of interstate commerce.

A close analog would be phone laws. The fed has the TCPA to protect you from telemarketers, but at the same time various states add additional legal protections for consumers w.r.t. telemarketing and those laws have force even if the caller is outside the country. (Collecting on the judgement is another matter).

Schools now require the internet for kids. ISPs being allowed to be anything more than a dumb pipe means they have the control of what information is sent across their network.

Education is specifically a duty of the state set out in the Constitution. If you can point to the statute requiring schools to provide internet for students, I believe it will be state law not federal law that you find.

The internet is now a basic human right in the United States for numerous reasons, one of which is #2.

I don’t quite follow. Are you saying that because education is a human right, that internet access is a human right? It doesn’t work that way. First of all, people who do not exercise their right to an education would not derive any rights implied by education. As for the students, if a state requires internet in education that does not mean that internet access becomes a human right. E.g. an Amish family might lawfully opt to homeschool their child, without internet. That would satisfy the right to education enshrined in the Unified Declaration of Human Rights (UDHR) just fine. A student attending public school in a state that mandates internet in schools would merely have the incidental privilege of internet access, not an expanded human right that students in other states and countries do not have under the same human rights convocation. If your claim were true, it would mean that California (for example) requiring internet provisions for students would then mean students in Haiti (a country that also signed the UDHR that entitles people to a right to education) or Texas would gain a right to internet access via the state of California’s internal law. A state cannot amend the UDHR willy nilly like that.

Also, if internet could be construed as a human right by some mechanism that’s escaping me, the fed is not exclusively bound by human rights law. The fed signed the treaty, but all governments therein (state and local) are also bound to uphold human rights. Even private companies are bound to human rights law in the wording of the text, though expectation of enforcement gets shaky.

ISPs cross state boundaries and should be governed by interstate law.

I subscribed to internet service from a WISP at one point. A dude in my neighborhood rolled out his own ISP service. His market did not even exceed the city.

The local ISPs have ISPs themselves and as you climb the supply chain eventually you get into the internet backbone which would be interstate, but that’s not where the netneutrality problem manifests. The netneutrality problem is at the bottom of the supply chain in the last mile of cable where the end user meets their local ISP.

Also with MJ laws, several states have liberated the use of marijuana despite the feds using the interstate commerce act to ban it.

An ISP being a business, especially a publicly-traded one, will sacrifice all manner of consumer/user-protection in order to maximize profit. And having the states govern against that will lead to a smattering of laws where it becomes muddy on what can actually be enforced, and where.

Sure, and if the fed is relaxed because the telecoms feed the warchests of the POTUS and Congress, you have a nationwide shit-show. A progressive state can fix that by imposing netneutrality requirements. Just like many states introduce extra anti-telemarketing laws that give consumers protection above and beyond the TCPA.

And having the states govern against that will lead to a smattering of laws where it becomes muddy on what can actually be enforced, and where.

That’s a problem for the ISPs that benefits consumers. If ISPs operating in different states then have to adjust their framework for one state that mandates netneutrality, the cost of maintaining different frameworks in different states becomes a diminishing return. US consumers often benefit from EU law in this way. The EU forced PC makers to make disassembly fast and trivial, so harmful components could quickly and cheaply be removed before trashing obsolete hardware. The US did not impose this. Dell was disturbed because they had to make pro-environment adjustments as a condition to access to the EU market. They calculated that it would be more costly to sell two different versions, so the PCs they made for both the EU market and the US market become more eco-friendly. Thanks to the EU muddying the waters.

The right to repair will have the same consequences.

On a serious note, plenty of people here surely know what net neutrality is. Net neutrality is the guarantee that your ISP doesn’t (de-)prioritize traffic or outright block traffic, all packets are treated equally.

That’s true but it’s also the common (but overly shallow) take. It’s applicable here and good enough for the thread, but it’s worth noting that netneutrality is conceptually deeper than throttling and pricing games and beyond ISP shenanigans. The meaning was coined by Tim Wu, who spoke about access equality.

People fixate on performance which I find annoying in face of Cloudflare, who is not an ISP but who has done by far the most substantial damage to netneutrality worldwide by controlling who gets access to ~50%+ of world’s websites. The general public will never come to grasp Cloudflare’s oppression or the scale of it, much less relate it to netneutrality, for various reasons:

• Cloudflare is invisible to those allowed inside the walled garden, so its existence is mostly unknown
• The masses can only understand simple concepts about their speed being throttled. Understanding the nuts and bolts of discrimination based on IP address reputation is lost on most.
• The US gov is obviously pleased that half the world’s padlocked web traffic is trivially within their unwarranted surveillance view via just one corporation in California. They don’t want people to realize the harm CF does to netneutrality and pressure lawmakers to draft netneutrality policy in a way that’s not narrowly ISP-focused.

Which means netneutrality policy is doomed to ignore Cloudflare and focus on ISPs.

Most people at least have some control over which ISP they select. Competition is paltry, but we all have zero control over whether a website they want to use is in Cloudflare’s exclusive walled garden.

Why would it necessarily have to be federal law, and not state law?

/cc @ulkesh@beehaw.org

Whether the legislation is appropriate at the state or fed domain is unclear. Certainly if the orange tyrant takes power again, I would probably want state govs to be able to protect consumers from netneutrality abuses.

It’s worth noting that the FCC’s so-called “Open” Internet Advisory Committee (#OIAC) tragically gives two seats on the board to:

• Cloudflare
• Comcast

Both of whom are abusers of #netneutrality, especially Cloudflare. A well-informed Trump-free administration should be showing Cloudflare and Comcast the door ASAP.

Sure, Trump would just bring them back. But it’d at least be a good symbolic move.

Indeed, as someone else pointed out, the needed change should come from pro-netneutrality legislation. And the legislation needs to be broad enough to block Cloudflare’s broad discriminatory arbitrary attack on access equality, not just tinker with speeds at the ISP consumer level.

It’s not a topic issue. The discussions are largely around platforms and custodians. They bring lots of ethical problems. Anything on this page is relevant to personal finance:

https://git.disroot.org/cyberMonk/liberethos_paradigm/src/branch/master/usa_banks.md

If someone managing their personal finances wants to ask how to avoid the bad players and still achieve their goals, it’s relevant. But Bogleheads is not keen. I don’t recall the particulars (it was over a decade ago) but it wasn’t topic related. It was just a conservative moderator or crowd who don’t want ethics getting in their way or cluttering their view.

Tor. I wonder if that is a more fraud or trolling concern. Or maybe for financial houses more of a US law concern.

Certainly not a legal issue in the US. Tor works ATM on Bogleheads. Cloudflare is often chosen out of ignorance by admins who don’t even know what Tor is, or at least don’t know that most Tor traffic is legit. It’s usually a lazy move. I don’t recall the details about Boglehead’s tor hostility but they’re reachable over Tor right now.

I used the Bogleheads forum over 15 years ago. It eventually turned sour and I left.

One of my issues is that the banking and finance sector and consumers engaging in it are conservatives. So if you want to ask a question like “where can I find a relatively ethical bank/investment firm that does not invest in fossil fuels?” it’s alienating to right-wingers to consider ethics. They don’t see the ethical problems that plague the industry and at the same time they don’t recognize the concept of ethical consumption. They just expect everyone to look after number 1. Bogleheads had little tolerance for politics, which inherently forces a narrow discussion of what financial products bring what value to the selfish types of consumers who neglect ethics. They don’t want someone exposing JP Morgan’s investment in private prisons or fossil fuels, or even how JPM Chase has a sneaky anti-Tor policy to discover which of their customers use Tor. Bogleheads did not kill my account.. it was just that ethical topics either had crickets or hostility, and censorship. IIRC what ultimately drove me off was Bogleheads started blocking Tor or using Cloudflare or something that demonstrated disrespect for digital rights. But apparently they re-liberated their forums since it seems Tor is permitted again.

For medical chatter I would look at mander.xyz, which is science focused.

For law it’s a bit of a ghost town, but at least there is a ghost town ready to host interested litigants→ links.esq.social

There is !personalfinance@sopuli.xyz, which would be somewhat related to personal tax. There is also a Lemmy instance dedicated to finance. I don’t recall it off the top of my head but the instance joined Cloudflare so I immediately abandoned it.

For the record, lemmy.ml is a terrible place to discuss tax or personal finance. The admins of that instance treat personal finance questions as spam and even go over the heads of moderators to censor such discussion because of their political baggage. IMO sopuli.xyz might be a good place to create an account and create finance communities.

You’re talking about Republicans but then saying “state” is a generic word.

I’m saying when I personally used the word “state” in the bit that you quoted, I was using the generic meaning of state. It’s an overloaded word (multiple meanings). What I mean by the “generic meaning” is that I was not referring to the state level jurisdiction. E.g. if the context were Texas, my use of the word “state” was not the state of Texas in that quote. The word state can simply mean government at any level. A federal government (aka nation state) can also generically be referred to as the “state”, even though it’s not state as the jurisdictional construct that composes the United States.

Likewise, even a local government like a city or county can be generically called the “state”. So to answer your question, the state of Texas can ban welfare checks from the state level in the whole state of Texas, but a lower (non-republican controlled) government can circumvent that by offering food and shelter instead of checks.

Welfare can happen at any level. I went to the emergency room and racked up a 4-figure hospital bill, and said “I have no insurance or income”. It was no problem.. the county had financial aid that I qualified for. The county paid the bill for me, not the state¹ or fed.

1. in that case, I mean state in the sense of a jurisdictional construct.

And to be clear, the use of “state” in your quote was the generic sense of the word.

(emphasis added)

The local govs taking direct action. The state gov may be controlled by human rights hostile republicans at the state level, but there are many smaller governments within the state controlled by liberals.

And to be clear, the use of “state” in your quote was the generic sense of the word.

I mean, again, you’re claiming if Republicans get rid of minimum wage

Min wage is entirely different than what these bans are about. There are no wages in this context. This is about a flat periodic income for non-wage earners for the most part.

then they’ll have to come up with some state-sponsored plan to get Bob his shoes when the inevitable wage reduction makes shoes even more unaffordable.

You’re confused about how these bans work. If they don’t want to give Bob a flat living income from state funds at the state level, a ban is pointless because they can simply neglect to provide the money (as they already control the policy and money at the state level). The purpose of a ban is to prevent lower governments from acting. So if they implement a state-level statute banning Bob getting min income, city/county X can cannot give Bob a min income but they can still buy Bob a pair of shoes. Hence how it can backfire.

I’ve seen public libraries with sewing machines. So for example a librarian could theoretically use it to help Bob construct a pair of shoes using material that’s supplied by public money to the libraries. Such an outcome is a game of whack-a-mole.. The republicans would have to discover that’s happening and then legislate against it separately.

You say this like they have any decency or shame.

I”m not sure how you arrive at that. You seem to have missed my point. That is, if the republicans get what they want (a ban on min incomes), they could end up getting as a consequence something they want even less: the state getting involved in commerce in the course of upholding human rights legal obligations.

It makes little sense because they know full well the money will spent one way or another. So most likely this is a political tactic for something else. If there is a segment of unmotivated R voters somewhere but a strong likelihood that they would be more motivated to the polls if there were a proposition to ban any form of welfare, getting a proposition on the ballot would actually just be a trick to get more people turning out for Trump (because they will tick the Trump box while they are there).

What matters to republicans the most is not any kind of values or ideology; it’s simply nothing more than taking and holding power.

IIRC it was the Bush election where the republicans put a proposition on the ballot for gay marriage. Superficially you would think “sure, the republicans want to stop gay marriage”. But in reality the republican politicians did not care about gay marriage at all. They cared about a segment of elderly non-voting christian right conservatives. Those voters could not be motivated to get off their asses and travel to the polls to vote for Bush, but they would be damned if gays could get married, so they were highly motivated to vote in that election and of course while they are in the voting booth they ticked the Bush box. The gay marriage proposition was just a trick to get more votes for candidates.

This is why I’m so disgusted every time someone says “republicans and democrats are basically the same”, which I most often hear from Europeans.

Hence why we need a public option.

I would love to see this backfire. If they ban min. incomes whilst being a human rights signatory, it means the state must buy food, shelter, and clothes, which means that portion of commerce would be outside of their “capitalist utopia” as the state would decide where to buy Bob’s shoes, or perhaps even make Bob a pair of shoes. It can (and should) backfire spectacularly for them.

Sure, but then republicans are well into the territory of “I don’t like the facts”. They need to be told to work on trying to un-sign the Universal Declaration of Human Rights (from 1948?) before they can make what they consider “progress” in their minds.

from the article:

"I never thought we would be going down the socialist road," Gillette told BI. "I spent 35 years in the Army fighting communism, fighting terrorism. Now we're slipping. The left is pushing us toward the socialist program."

LOL.. I read that as: “help! We’re slipping past the 1940s because of the commies and socialists!”

All the oil companies quite rotten slimeballs. But if you look closely enough there is still significant variation in the extent of the evil. Off the top of my head:

• Chevron - a right-wing ALEC member, thus contributes heavily to the politicians who are the most environmentally destructive, who neuters the EPA. ALEC also finances climate denial propaganda. Chevron was also caught financing the cloakroom project to arrange secret meetings between politicians and corps like Chevron.

• ExxonMobil - Notable for oil spills and also because Exxon discovered climate change in the 60s and kept it secret, thus enabling it to have a much more harmful impact.

Those are two worst. Chevron and Exxon are also both partnered with a quite evil tech giant: Microsoft, who uses AI to help those two shitty corps find places to drill for oil. Google partnered with Total, and Amazon partnered with BP and Shell for the same purposes. The greater evil to boycott is Microsoft, Chevron, and ExxonMobil. MS also has a quite long list of unethical conduct, such as helping Israel acquire facial recognition tech to weaponize against Palestinians. So if you boycott Israel you also boycott MS.

I installed Bisq a few years ago the 1st hurdle was buying cc required having some cc escrowed to start with. I’ve also heard that some banks are so hostile toward cryptocurrency they freeze accounts of people suspected of trading it. I got the impression Bisq transactions would be detectable by the bank but my memory is fuzzy on that. I suppose I need to use a burner bank account I don’t care about, and use a bitcoin ATM to get the escrow money. It’s a shame the Bisq escrow money can’t be in fiat money.

I would love to be using cryptocurrency in cashless situations instead of just nixing those options. I’ve reached a point where if it’s not sold locally for cash I don’t buy it. Cryptocurrency has failed me because most exchangers are in Cloudflare’s giant walled garden and I will not patronize a Cloudflare user. There are cryptocurrency ATMs but the fees are extortionate.

from the article:

Subject to the terms of this Agreement, You hereby grant to HP a non-exclusive, worldwide, royalty-free right to use, copy, store, transmit, modify, create derivative works of and display Your non-personal data for its business purposes.

Holy shit. I wonder if HP is feeding customers’ data to an #AI machine to exploit in some way. It doesn’t even seem to be limited to what people print. HP’s software package is probably not just a printer driver. But even if it is, a driver runs in the kernel space, so IIUC there’s no limit to what data it can mine.

First and foremost, #HP is not an option for anyone who boycotts #Israel. And even neglecting that, HP is still the least ethical of all ink suppliers.

from the article:

Prices range from $6.99 per month for a plan that includes an HP Envy printer (the current model is the 6020e) and 20 printed pages. The priciest plan includes an HP OfficeJet Pro rental and 700 printed pages for $35.99 per month.

So the 20 page deal probably reflects the consumption of most households that print. That means the cost ranges from $7—35¢ per page. You must print 20 pages to reach 35¢ pp. A library would likely charge ~5—10¢ pp flat. Print shops tend to be cheaper than libraries.

The 700 page deal amounts to $36—5¢ pp. So you have to print exactly 700 pages to get a good price. Everyone who does not print exactly 700 pages every month for a span of 2 years will get screwed.

One of the most perturbing aspects of the subscription plan is that it requires subscribers to keep their printers connected to the Internet.

Bingo. It’s not a “smart” printer, it’s a dependent printer.

I never have to use PayPal. Goods and services my life depends on can all be bought without PayPal. If a hospital emergency room were to only accept PayPal/Zettle, they would treat me then I would simply refuse to pay the bill until they change their payment terms. It has been over a decade since I made a PayPal transaction. Exceptionally, PayPal may have processed some of my card transactions without my knowledge (before I knew what Zettle was), but if I knew I would have walked.

I spoke to a small cafe owner who only accepts Zettle, no cash. He was the owner and cashier. He said Zettle was the cheapest for him. But as an ethical consumer I have choices and price is low priority. I don’t have to buy my coffee from him. In some cases I have managed to compel a cashless shop to accept my cash. If I have exact change or their staff has change, the staff will use their own personal payment card and take cash from me. I normally boycott cashless brick and mortar shops, but sometimes I do an experiment of forcing cash on them. But in the case of Zettle that’s not an option because PayPal still profits from the transaction even if PayPal does not obtain or profit from my data.

I don’t know your situation with gas or how trapped you are, but if you must buy gas you can probably boycott Chevron and ExxonMobil and buy from one of the other lesser evils. Or if you have a diesel engine you can do what a friend does and collect waste oil and convert it to bio diesel.

#PayPal is one of the most evil:

https://git.disroot.org/cyberMonk/liberethos_paradigm/src/branch/master/rap_sheets/paypal.md

I got burnt personally by them but even if I hadn’t they are among the least ethical options. There are some vendors selling products I would like to buy but they accept paypal exclusively, so I walk.. and go without. Recently I have encountered some small brick and mortar shops/cafes that use “Zettle”. #Zettle is paypal. So if I see Zettle and they don’t take cash, I walk out. They share data with over 600 corporations so I will not allow Paypal to serve as a payment processor of my credit or debit card. Paypal are rotten to the core scumbags. They have some sneaky tricks for keeping people’s money under the guise of AML/KYC/anti-fraud, even though they are not a bank and escape those regulations anyway. It’s no surprise Elon Musk and Peter Thiel were involved with the founding of that company.

Glad to see CFPB might be growing their balls back after Trump neutered them. When Trump was in power the CFPB took no action on complaints of unlawful conduct and seemed quite inactive.. as if to just be managing their own office (like the EPA).

The thesis of the article works to fix anti-ebike attitudes. It makes some good points but it wasn’t intended to influence people on what suits them personally.

The shame of it is that a lot of people just read headlines. I sure as hell don’t have time to read every article I encounter. So those who just read the headline will walk away a bit misinformed. OTOH, the click bait actually works to get more people to read the article. It forced me to read it. So it’s hard to say if it does more damage or more benefit overall.

Indeed as someone who straddles two places of living I can attest to that. When living in a relatively flat city I’m cycling everywhere (on e-bike until it was stolen, then on cheap muscle bike thereafter). My other place of living is extremely hilly. Used a muscle bike and quickly said “fuck this, I’m done”. Just like the article said about hills on the trails. And since I cannot justify the cost of an e-bike in that particular place/situation, I do not cycle at all when living there. But if an e-bike had been cost effective I would be getting more exercise in that area.

That’s a great move. Instead of trying to regulate the baddies just offer a more honest, transparent consumer-respecting option from a public service that respects people’s privacy (CFPB does not block Tor, unlike #CreditKarma and #LendingTree).

I would love it even more if they would also enable people to deselect banks they want to avoid, such as the shit banks on this list:

https://git.disroot.org/cyberMonk/liberethos_paradigm/src/branch/master/usa_banks.md