7 ms·

Just stop using a number as something to autehticate people with, it is just stupid.

by skeletal88 4y ago

nojito 4y ago
The issue isn’t just ssns. The issue is that they made the whole package available. Ssn, dob, etc.
- grishka 4y ago
  Just stop using semi-public information that anyone curious enough can piece together as something to authenticate people with, it is just stupid.
  - throwaway92394 4y ago
    You run into the same issue you do with 2FA - I cannot remember my own SSN. What happens if I lose my license, SSN, and master password manager password in a fire? What happens if someone has a stroke and forgets a recent pin code, etc. Do I go to my state and request new IDs? How do they authenticate me?
    - hyperman1 4y ago
      This has been solved by just about any other western country, and probably a lot of other countries. E.g. I have an eID card. The gov can reset the pin. There are procedures to request a new one. Therecare revocation lists. Fake eIDs are rare. Its not perfect, but it works great compared to the USA. The real problem is a semi religious fear of the US governement having working ID systems. So there are all kinds of half baked substitutes in use, that barely work and push the trouble on the end user. ID theft is a solved problem just about anywhere, if the US wants it, it can solve it too.
jandrese 4y ago
Tell the credit rating agencies that.
- oh_sigh 4y ago
  Credit rating is more about authorization than authentication.
  - daniel-cussen 4y ago
    The basic purpose of credit rating agencies is to condition the public to tolerate theft in the form of usury at the like 18.3 power (1.2^x) of the going international rates (1.01^x). ((1.01^x)^18.3 ~ 1.2^x). That's demonic. But to carry it out, you gotta get people to buy into your bullshit, by like getting a usurious credit card to "build up your credit", only to max it out before getting fired at the start of an economic depression. Then the point system you put so much faith into says you're a complete piece of shit and says you need to pay much more interest on your mortgage, can't get a card at work, shit like that. How come the spreads are so high, you get 1.01x on savings (actually .93x right now) but have to pay 1.2x interest on credit card because "it's so convenient?" It's not fucking convenient, they get you to use it by stealing from the merchant and giving you 1% of your spending. That's theft no matter what law says otherwise. They should force card companies to at most square the interest and receive deposits at the square root at which they lend. Want to charge 21% interest on debt? Fine, but then you have to pay 10% on deposits. No matter how many people want to deposit money at 10% interest with you, if you want to charge 21% interest annually, you have to let all of them deposit their money with you and better come up with the money. Even if the Norway Sovereign Fund wants to park all their money with you, meaning you have to come up with 100 Billion a year for their interest, if you want to charge 21% interest for anything, too bad. Maybe instead of charging interest, charge fees, or if there's a high chance of default, start at a higher principal. Banks generally want as their only goal the highest possible interest, so they rejigger the math. Badly, they're incompetent mathematicians. It's disgusting. Credit rating agencies you generally can't them to cooperate with anything, they think of the public as chattel, it's disgusting. They hold dearly onto made up shit, like what patio11 said about a problem from before he was birth, and close their ears and lalala if you try to call them to fix it. They're flat out disgusting, money is the root of all evil those credit rating agencies are in the center of the pentagram. Literally fucking Satanic, demonic.

Just stop using a number as something to autehticate people with, it is just stupid.

nojito 4y ago

The issue isn’t just ssns. The issue is that they made the whole package available. Ssn, dob, etc.

grishka 4y ago
Just stop using semi-public information that anyone curious enough can piece together as something to authenticate people with, it is just stupid.
- throwaway92394 4y ago
  You run into the same issue you do with 2FA - I cannot remember my own SSN. What happens if I lose my license, SSN, and master password manager password in a fire? What happens if someone has a stroke and forgets a recent pin code, etc. Do I go to my state and request new IDs? How do they authenticate me?
  - hyperman1 4y ago
    This has been solved by just about any other western country, and probably a lot of other countries. E.g. I have an eID card. The gov can reset the pin. There are procedures to request a new one. Therecare revocation lists. Fake eIDs are rare. Its not perfect, but it works great compared to the USA. The real problem is a semi religious fear of the US governement having working ID systems. So there are all kinds of half baked substitutes in use, that barely work and push the trouble on the end user. ID theft is a solved problem just about anywhere, if the US wants it, it can solve it too.

jandrese 4y ago

Tell the credit rating agencies that.

oh_sigh 4y ago
Credit rating is more about authorization than authentication.
- daniel-cussen 4y ago
  The basic purpose of credit rating agencies is to condition the public to tolerate theft in the form of usury at the like 18.3 power (1.2^x) of the going international rates (1.01^x). ((1.01^x)^18.3 ~ 1.2^x). That's demonic. But to carry it out, you gotta get people to buy into your bullshit, by like getting a usurious credit card to "build up your credit", only to max it out before getting fired at the start of an economic depression. Then the point system you put so much faith into says you're a complete piece of shit and says you need to pay much more interest on your mortgage, can't get a card at work, shit like that. How come the spreads are so high, you get 1.01x on savings (actually .93x right now) but have to pay 1.2x interest on credit card because "it's so convenient?" It's not fucking convenient, they get you to use it by stealing from the merchant and giving you 1% of your spending. That's theft no matter what law says otherwise. They should force card companies to at most square the interest and receive deposits at the square root at which they lend. Want to charge 21% interest on debt? Fine, but then you have to pay 10% on deposits. No matter how many people want to deposit money at 10% interest with you, if you want to charge 21% interest annually, you have to let all of them deposit their money with you and better come up with the money. Even if the Norway Sovereign Fund wants to park all their money with you, meaning you have to come up with 100 Billion a year for their interest, if you want to charge 21% interest for anything, too bad. Maybe instead of charging interest, charge fees, or if there's a high chance of default, start at a higher principal. Banks generally want as their only goal the highest possible interest, so they rejigger the math. Badly, they're incompetent mathematicians. It's disgusting. Credit rating agencies you generally can't them to cooperate with anything, they think of the public as chattel, it's disgusting. They hold dearly onto made up shit, like what patio11 said about a problem from before he was birth, and close their ears and lalala if you try to call them to fix it. They're flat out disgusting, money is the root of all evil those credit rating agencies are in the center of the pentagram. Literally fucking Satanic, demonic.