tchaffee

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by tchaffee 3y ago
Housing is a basic human right. However you can deny housing to someone because they belong to a hate group. Running a profitable online business is not even a basic human right. No one owes you payment processing. Forcing someone to be a s
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by tchaffee 3y ago
> if two or three large businesses cover 99% of a given market (payment market), how about some anti-monopolistic legal protections? Yes, that's the actual problem. Breaking up the existing near-monopoly and creating a functioning m
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by tchaffee 3y ago
Evidence and due process are important for convicting someone of a crime. You're not violating a basic human right when you deny a credit card transaction. The requirement for evidence and due process should be far lower, if even neede
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by tchaffee 3y ago
We are talking about denying a payment, not throwing someone in jail.
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by tchaffee 3y ago
Doing business online is not a basic human right. Access to a fair trial and due process before throwing you in jail is a basic human right. Comparing the two is a major false equivalence.
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by tchaffee 3y ago
Denying a payment isn't the same as putting someone in jail and therfore shouldn't require the same standard of due process. Allowing a business to accept credit cards is not a basic human right.
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by tchaffee 3y ago
No not for the reasons you claim, I don't want to continue because you're aggressive. I've happily engaged with people who point out what they think is a contradiction in my thinking. But not with people like you. > non en
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by tchaffee 3y ago
> In that case who is the payment processor to decide that they are "not good"? Should it be illegal to start a vegan payment processing company that won't allow butchers to be paid through them? If so, then why should it
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by tchaffee 3y ago
> How do you know it's for human trafficking? It's a thought experiment. There are surely cases in life in which you know for sure that crime is being committed. What you're asking for though is that due criminal process
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by tchaffee 3y ago
Forcing companies to neutrally process all transactions is in itself a decision around ethics. You're not ignoring ethics. You're pushing for your own ethics around payment processing.\ > I don't think multinational corpo
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by tchaffee 3y ago
> What does "give them more competition" mean? It means you have far more choices in who to give your business to. For example, in a big city you can eat at thousands of restaurants. Or cook at home. However, I cannot choose fr
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by tchaffee 3y ago
> You accept the payment, absolutely. So it should be illegal to start a vegan payment processor? Breaking up the current near-monopoly and giving you more choice would give the maximum possible freedom to everyone including you. > un
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by tchaffee 3y ago
> 1. Can we agree that the rules applied to a multinational corporation with billions in income utilized by hundreds of millions of people on a daily basis to exchange legal currency for goods and services should be different than the ru
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by tchaffee 3y ago
> There is a massive difference between "unethical business" and "illegal business" Can you explain the massive difference? For example, easy access to guns is legal in a handful of countries and illegal in most count
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by tchaffee 3y ago
> It's literally the facts on the ground. It's literally not. Your claim is that I suspect the local butcher sells meat rather than knowing that they sell meat. If my vegan friend doesn't want to do their accounting, that
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by tchaffee 3y ago
> In many jurisdictions, the electric utility is a private corporation. Is it ok for the power company to turn off power for a business they think is immoral, like, say, a strip club? Obviously it's not; laws prevent that sort of th
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by tchaffee 3y ago
> Attacking a significant part of someone's ability to function in society I never said to attack the ability of someone to function in society. That's a side effect of a near monopoly. The actual problem is that a handful of c
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by tchaffee 3y ago
> do you think it's ok for a company to deny another company access to a big chunk of the financial system for entirely legal activities A vegan credit card that only works at vegan companies should not be illegal. > to a big chu
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by tchaffee 3y ago
> Do you truly believe that when you'd make the decision to categorize a transaction as such, that decision would hold up in court, beyond a reasonable doubt, every time? If not, then you have no place making it What if I want to st
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by tchaffee 3y ago
It's a thought experiment. The question is about a case in which you know for sure. It's a big world and this is likely to happen at least sometimes. If you don't want to play along with the thought experiment, no problem. Bu
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by tchaffee 3y ago
Forcing processors to be neutral and to not know their customers has both business and moral implications that both need to be included in the argument.
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by tchaffee 3y ago
Banks don't know what you're paying for at Porn Hub? Banks do know enough to price in risk. And there is your problem. They must be allowed to price in risk and if they are allowed to do that they can effectively deny business by
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by tchaffee 3y ago
Interested in the topic but not interested in your aggressive style and putting words in my mouth and telling me what I believe. You can have the last word if you'd like.
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by tchaffee 3y ago
That's not practical. You wouldn't be able to refute charges. Payment processors couldn't price in risk for sprcific industries. You've created more problems than you've solved.
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by tchaffee 3y ago
Do you accept the payment and profit or can you refuse the transaction? A parent comment claimed we must process all transactions, legal or not.
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by tchaffee 3y ago
I never claimed the near monopoly of current processors is moral. My claim is easy: we have the right to conduct a business according to our ethics.
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by tchaffee 3y ago
Due to limited infrastructure resourcess, water and utility companies are a near monopoly which is why they need these types of regulations. There is no physical limitations to the number of possible payment processors so the actual fix is
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by tchaffee 3y ago
My basic human freedoms should include the right to not do business with a hate group for example. You want folks to give up that freedom because you got the problem wrong and you're applying the wrong fix.
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by tchaffee 3y ago
I asked a specific question and you refuse to answer it because your entire premise is based on not being able to know if someone is engaging in unethical behavior. That's premise is seriously flawed. The problem you're trying sol
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by tchaffee 3y ago
I'm not claiming payment processors are moral. I'm asking if the freedom to refuse unethical business should be your right. I was responding to the position of a parent comment that processors should accept even illegal transactio

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