5 ms·

Just a text message? Psh. In China some microlenders will accept nude pictures as collateral – & release them publicly if you don't pay. https://www.vice.com/

by gojomo 6y ago

Just a text message? Psh. In China some microlenders will accept nude pictures as collateral – & release them publicly if you don't pay. https://www.vice.com/en_us/article/kzv38w/millennials-in-china-are-using-nudes-to-secure-loans https://www.vice.com/en_us/article/kzv38w/millennials-in-chi...

gruez 6y ago
> apply for loan > use deepfake pics as collateral (preferably ones where the "body" has identifying characteristics that's different than yours so you can repudiate it, eg. birth marks, tattoos) > ??? > profit!
- est 6y ago
  Nah, they specifically require showing your face the same as the photo on your National ID, and you are required to hold your national ID as part of the nude photo. Deepfake whatever you want, it's still your face.
  - gruez 6y ago
    >Deepfake whatever you want, it's still your face. See part about the part about repudiation in my original comment. Come to think of it, deepfaking your face onto someone else's body is probably the hard way. It's way easier to mutilate (ie. making subtle but plausible edits) a real nude of yourself so you can repudiate it later.
    - retsibsi 6y ago
      You then have to reveal those parts of your body unedited, though. And in sufficient detail to convince people that these new photos are the unedited ones. If you really need to convince some small number of people that the pictures are fake, you can reveal yourself to them in private. But I can't think of many scenarios in which either of these approaches leave you better off than just having real nudes made public in the first place.
      - gruez 6y ago
        >You then have to reveal those parts of your body unedited, though. And in sufficient detail to convince people that these new photos are the unedited ones. That doesn't seem too hard. The edits can be made to places that you can "safely" show to people (eg. upper arm or belly area). You can also make yourself look thinner/fatter/more muscular (body only, not face) so your friends/family will immediately recognize it's not you.
    - baddox 6y ago
      Isn’t it also roughly as embarrassing and damaging to have extremely believable fake nude photos of yourself on the internet?
  - distant_hat 6y ago
    The problem here is that naive people think organizations which essentially have a blackmail model to recover dues will stick to purely legal means when they discover you have stiffed them.
  - gorkish 6y ago
    It seems relatively absurd to assume you could plausibly replace the subject of a photograph only to be stymied by the inability to do the same to a small photo on a card. Unless the illegal loan outfit also has access to the national id photo database which seems rather unlikely even by China standards.
- imtringued 6y ago
  If I was the bank mentioned in the article I would create deepfakes of defaulting clients myself. The real danger is sending the collateral to the right people. Your boss, parents or friends are supposed to see the collateral. People looking for free stuff on the internet will think you're ugly or attractive and move on.
hn_throwaway_99 6y ago
I remember being so full of optimism in the late 90s about all the stuff the Internet would enable. Should have put "dystopia" higher on that list.
- emteycz 6y ago
  Nobody is forcing you into this. That's what freedom is, and I bet that was high on your list.
  - baq 6y ago
    This argument doesn’t work if the topic is eating or sleeping.
    - emteycz 6y ago
      The topic is not eating nor sleeping, though. We are not talking about the USA, but a country with social safety system. Nobody in China has to go to microlenders to eat and sleep.
  - piva00 6y ago
    In your definition of freedom it will also require that every "free" member of society is equally well informed to decide if a product or service will negatively impact them or not. I venture to say that any societal structure that depends on "everyone doing their part" is bound to fail. You can't stand behind freedom to hide regulatory failures of predatory players in a market in the real world.
    - emteycz 6y ago
      Sorry but again, this is not the USA, financial services are very regulated in China (similarly as in Europe), they are forced to provide all information in a very clear and understandable way and structure their products simply. A person that does not understand that is not fit to function in a society as an adult. There were no regulatory failures nor predatory plays, just bad personal decisions.
totetsu 6y ago
I would not want to be a DB administrator in that organisation...
LatteLazy 6y ago
As an unattractive person, I think it's nice that I too can now monetize my nudes!

by gojomo 6y ago

gruez 6y ago

> apply for loan > use deepfake pics as collateral (preferably ones where the "body" has identifying characteristics that's different than yours so you can repudiate it, eg. birth marks, tattoos) > ??? > profit!

est 6y ago
Nah, they specifically require showing your face the same as the photo on your National ID, and you are required to hold your national ID as part of the nude photo. Deepfake whatever you want, it's still your face.
- gruez 6y ago
  >Deepfake whatever you want, it's still your face. See part about the part about repudiation in my original comment. Come to think of it, deepfaking your face onto someone else's body is probably the hard way. It's way easier to mutilate (ie. making subtle but plausible edits) a real nude of yourself so you can repudiate it later.
  - retsibsi 6y ago
    You then have to reveal those parts of your body unedited, though. And in sufficient detail to convince people that these new photos are the unedited ones. If you really need to convince some small number of people that the pictures are fake, you can reveal yourself to them in private. But I can't think of many scenarios in which either of these approaches leave you better off than just having real nudes made public in the first place.
    - gruez 6y ago
      >You then have to reveal those parts of your body unedited, though. And in sufficient detail to convince people that these new photos are the unedited ones. That doesn't seem too hard. The edits can be made to places that you can "safely" show to people (eg. upper arm or belly area). You can also make yourself look thinner/fatter/more muscular (body only, not face) so your friends/family will immediately recognize it's not you.
  - baddox 6y ago
    Isn’t it also roughly as embarrassing and damaging to have extremely believable fake nude photos of yourself on the internet?
- distant_hat 6y ago
  The problem here is that naive people think organizations which essentially have a blackmail model to recover dues will stick to purely legal means when they discover you have stiffed them.
- gorkish 6y ago
  It seems relatively absurd to assume you could plausibly replace the subject of a photograph only to be stymied by the inability to do the same to a small photo on a card. Unless the illegal loan outfit also has access to the national id photo database which seems rather unlikely even by China standards.
imtringued 6y ago
If I was the bank mentioned in the article I would create deepfakes of defaulting clients myself. The real danger is sending the collateral to the right people. Your boss, parents or friends are supposed to see the collateral. People looking for free stuff on the internet will think you're ugly or attractive and move on.

hn_throwaway_99 6y ago

I remember being so full of optimism in the late 90s about all the stuff the Internet would enable. Should have put "dystopia" higher on that list.

emteycz 6y ago
Nobody is forcing you into this. That's what freedom is, and I bet that was high on your list.
- baq 6y ago
  This argument doesn’t work if the topic is eating or sleeping.
  - emteycz 6y ago
    The topic is not eating nor sleeping, though. We are not talking about the USA, but a country with social safety system. Nobody in China has to go to microlenders to eat and sleep.
- piva00 6y ago
  In your definition of freedom it will also require that every "free" member of society is equally well informed to decide if a product or service will negatively impact them or not. I venture to say that any societal structure that depends on "everyone doing their part" is bound to fail. You can't stand behind freedom to hide regulatory failures of predatory players in a market in the real world.
  - emteycz 6y ago
    Sorry but again, this is not the USA, financial services are very regulated in China (similarly as in Europe), they are forced to provide all information in a very clear and understandable way and structure their products simply. A person that does not understand that is not fit to function in a society as an adult. There were no regulatory failures nor predatory plays, just bad personal decisions.

totetsu 6y ago

I would not want to be a DB administrator in that organisation...

LatteLazy 6y ago

As an unattractive person, I think it's nice that I too can now monetize my nudes!