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Wow, some pretty strong opinions here. Did somebody say Nazis? Tech innovations are always a mixed bag, but there are some great ideas in this, like selective

by vid 2y ago

Wow, some pretty strong opinions here. Did somebody say Nazis? Tech innovations are always a mixed bag, but there are some great ideas in this, like selective disclosure, where you don't have to reveal all your personal info (address on driver's license) when proving your age. Is uploading a picture of your physical credentials to pretty random web sites supposed to be a better solution? I also think people deserve to have well described data and interactions, and their "wallet" should become a coherent place of organizing long term information. These standards create that possibility. Letting companies dominate and invent things to their needs as they go along is not a better solution. It takes some strength from governments to do this properly, which some will point to as backward (witness the reaction to iPhone AI features). But companies have not found the end point of innovation, it needs to be kept open and directed by broad people needs, not the current shiny.

dalke 2y ago
> great ideas in this, like selective disclosure How will a centralized wallet used for everything solve the human factors problems? We know there's a deep human factors issue here. Web sites and apps ask for permission seemingly all the time for as much as they can, and most people just agree, because they've learned that usually works. Until it doesn't. Here's a Fortune article of how BankID, a widely-used electronic ID in Sweden, is used in fraud, at https://fortune.com/europe/2024/06/21/why-going-cashless-has-turned-sweden-from-one-of-the-safest-countries-into-a-high-crime-nation/ https://fortune.com/europe/2024/06/21/why-going-cashless-has... : "For Bagley, the fact that BankID is so commonplace is part of the problem. “It ends up not really being a security measure, but just another step in using a website,” she said. “You don’t really think twice about what the BankID app might say you are logging into.”" You can blame Bagley for not double-checking the transfer before verifying, but she's not the only one. "Online fraud and digital crime in Sweden have surged, with criminals taking 1.2 billion kronor in 2023 through scams like the one Bagley fell for, doubling from 2021."
- davidy123 2y ago
  User education, personal AI, responsible vendors will be part of the solution. Seamless and safe transactions are very much desirable, there is a whole world to build on once they're in place, so there is a lot of motivation to solve them, but the solution shouldn't come from a few vendors that have no real regard for the collective outside their customers.
  - dalke 2y ago
    So you think that selective disclosure isn't all that useful without all of the above? Who will do the education? The banks? The schools? If the latter, what subjects will be removed from the curriculum? Who will verify the AI is trained correctly? Who is liable of it is not? How will it be updated as new frauds are discovered? Will the solution require everyone to buy new phones? How much more will be destroy the world?
    - davidy123 2y ago
      The same thing that did the education for people to learn a credit card or their smartphone, it's a mixture of banks, friends, work. It's a gradual thing, there's no need to remove curriculum. I don't know what you're imagining as an alternative.
      - dalke 2y ago
        My question remains: to what extent is selective disclosure useful given the demonstrable human factors failures in existing selective disclosure systems? User agreements are another example of failure. They give full disclosure, on a take-or-leave-it basis. Few people say no to GitHub when it means being blocked from participating in most software development projects. Plus, very few actually read that full disclosure. I can guarantee you that most people do not come out of high school with sufficient training to read those agreements, much less immigrants like me who never received training in the Swedish legalese I am required to agree to use digital healthcare. All these experiences tell me that a central personal information store as described will have exactly the same failures, and that selective disclosure will in practice be equally meaningless. "Learn a credit card" is misdirection. We know from the number of people who declared bankruptcy due to credit card debt that they didn't all learn how to use it correctly, or had no alternative than taking on ruinous debt.

by vid 2y ago

dalke 2y ago

> great ideas in this, like selective disclosure How will a centralized wallet used for everything solve the human factors problems? We know there's a deep human factors issue here. Web sites and apps ask for permission seemingly all the time for as much as they can, and most people just agree, because they've learned that usually works. Until it doesn't. Here's a Fortune article of how BankID, a widely-used electronic ID in Sweden, is used in fraud, at https://fortune.com/europe/2024/06/21/why-going-cashless-has-turned-sweden-from-one-of-the-safest-countries-into-a-high-crime-nation/ https://fortune.com/europe/2024/06/21/why-going-cashless-has... : "For Bagley, the fact that BankID is so commonplace is part of the problem. “It ends up not really being a security measure, but just another step in using a website,” she said. “You don’t really think twice about what the BankID app might say you are logging into.”" You can blame Bagley for not double-checking the transfer before verifying, but she's not the only one. "Online fraud and digital crime in Sweden have surged, with criminals taking 1.2 billion kronor in 2023 through scams like the one Bagley fell for, doubling from 2021."

davidy123 2y ago
User education, personal AI, responsible vendors will be part of the solution. Seamless and safe transactions are very much desirable, there is a whole world to build on once they're in place, so there is a lot of motivation to solve them, but the solution shouldn't come from a few vendors that have no real regard for the collective outside their customers.
- dalke 2y ago
  So you think that selective disclosure isn't all that useful without all of the above? Who will do the education? The banks? The schools? If the latter, what subjects will be removed from the curriculum? Who will verify the AI is trained correctly? Who is liable of it is not? How will it be updated as new frauds are discovered? Will the solution require everyone to buy new phones? How much more will be destroy the world?
  - davidy123 2y ago
    The same thing that did the education for people to learn a credit card or their smartphone, it's a mixture of banks, friends, work. It's a gradual thing, there's no need to remove curriculum. I don't know what you're imagining as an alternative.
    - dalke 2y ago
      My question remains: to what extent is selective disclosure useful given the demonstrable human factors failures in existing selective disclosure systems? User agreements are another example of failure. They give full disclosure, on a take-or-leave-it basis. Few people say no to GitHub when it means being blocked from participating in most software development projects. Plus, very few actually read that full disclosure. I can guarantee you that most people do not come out of high school with sufficient training to read those agreements, much less immigrants like me who never received training in the Swedish legalese I am required to agree to use digital healthcare. All these experiences tell me that a central personal information store as described will have exactly the same failures, and that selective disclosure will in practice be equally meaningless. "Learn a credit card" is misdirection. We know from the number of people who declared bankruptcy due to credit card debt that they didn't all learn how to use it correctly, or had no alternative than taking on ruinous debt.