towelr34dy

6 ms·

1.
by towelr34dy 8y ago
Am I the only one deeply surprised by how badly executed this thing was? I mean, what was it? Was it a test? Then why make it so public and high profile? I mean; what the heck was Jack thinking? The whole thing was a confusing mess that at
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by towelr34dy 8y ago
Scientific literacy = using a grossly disproportionate made up example? Got it. Or do you mean spelling out what a debt trap is? Is that 'scientific literacy'. The arrogance of those who want to restrict others is so obvious: You
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by towelr34dy 8y ago
> It also wouldn't be unreasonable to simply allow minors on a given platform, and give a visible indicator of minor (or under 21 for that matter) status. LOL if you think that fly's in today's legal landscape. I'm su
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by towelr34dy 8y ago
Oh I get that. But it was lacking any depth. It seemed one sided. But I can't even call it that. It didn't even give a side. It was more like... hearsay with a single interview, probably on the phone, with 1 person on the ground.
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by towelr34dy 8y ago
Well the article mentions instagram. Facebook is a dating site for many. Many people use all kinds of platforms to hook up. Especially when you look internationally. Exactly what do you define as 'dating site'? Craigslist has a da
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by towelr34dy 8y ago
People like you have existed for a while. They want to tie internet use to verified ID offline. And that is great; there are clearly good things that will come. But there are also bad things will come with that. Ignoring that second part ma
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by towelr34dy 8y ago
Actually, this parent is demanding 100% certainty in an uncertain world. He is also shifting burden from himself to others. This parent isn't understanding that there are cost benefits and diminishing returns. We already filter kids fr
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by towelr34dy 8y ago
Nope, I don't think anyone who disagrees with me didn't read the article. The thing is, logical people when they read about 3 deaths per year don't propose applying the same social burden as to avoid 100,000. You ask question
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by towelr34dy 8y ago
What a strange article. From my understanding it's an article about a family owned business supplying coal for a newly launched coal power plant in a remote Alaskan college town. There were 4 quotes from the article: 1- From a represen
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by towelr34dy 8y ago
You are speaking to the outrage crowd. Really hard to reason with them. They reverse the burden of proof. If they find an issue, they point it out and imply that there is a solution that people don't want to take. They don't consi
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by towelr34dy 8y ago
Let me see if I understand: so when we ban pay day loans and all the loan sharks come out, this is the message you have for poor people: Don't take the loan shark desperate option, accept homelessness/bankruptcy instead of trying
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by towelr34dy 8y ago
Actually, what we need is a single chip system given to you when you are born and charge people for it. If they can't pay, put 'em to work. The chip will hold all our info. Then when we want to do something on the internet or IRL,
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by towelr34dy 8y ago
Actually, asking if you read the article was me being kind in my assumptions. Alcohol is responsible 88,000 deaths per year. You are literally comparing something with 0-10 deaths per year (if that) to almost 100,000 deaths per year. That t
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by towelr34dy 8y ago
The same way any highly regulated company does when ID needs to be 100% confirmed Put on today's news/put up today's newspaper/generate a unique, time sensitive code the person needs to write down and display, have them
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by towelr34dy 8y ago
Did you read the article? It clearly states that tinder and grinder already monitor for minors. They state that they spend, and I'm guessing this wouldn't be an exaggeration given their volume, millions of dollars on this effort.
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by towelr34dy 8y ago
Because they are. But that doesn't stop making them a service. Listen, if you could figure out how to charge even 40% yearly interest on a $100 one week loan (i.e. you'll make $0.7 gross) then you should do it and offer a better s
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by towelr34dy 8y ago
So what should be done?
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by towelr34dy 8y ago
I didn't know freedom meant people doing stuff that sucks. Quote by someone.
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by towelr34dy 8y ago
Actually you are being viewed as arrogant not because you support the legislation. I support one part of the legislation (limiting debits to user accounts). I don't support another part of the legislation that would basically create a
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by towelr34dy 8y ago
Except... we have regulations. It's state by state. Meaning, the laws adapt to the needs of the people of each state. The new laws would have removed 90% of the industry, including my ability to have participated. I fully supported the
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by towelr34dy 8y ago
Ah the outrage mob. So tell me, oh wise one; how do you deal with people who need a lender of last resort? I mean, in your kind, humanitarian and knowledgeable opinion that takes into consideration the reality of people with cash flow issue
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by towelr34dy 8y ago
By your logic, most credit cards are a scam. I think you need to look up the word scam. Then use words based on the dictionary definition of them the way the rest of us do. It helps in communicating when people use a dictionary to define wo
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by towelr34dy 8y ago
How about this. Even IF it was 9/10 that get hurt and 1/10 that get helped. Even IF that is true. What do you get by regulating out of existence? It stops? Or it goes underground. Think marijuana. What happened when legal? What ha
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by towelr34dy 8y ago
So by protection, you mean the bill as it was, that would 'remove pay day lending'. Maybe we'll copy what we did with drugs. Hmm... what guarantees mob option will stop existing? That's what's happened with drugs. D
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by towelr34dy 8y ago
You are literally touting the war on drugs as an example of what to do with payday lending. OMG. Ok. Personally I'm happy my payday lender wouldn't murder me like a drug dealer would. But.. I guess that's preferable? I'm
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by towelr34dy 8y ago
Err, we do have payday lending regulations. The new ones would basically destroy the industry. It would remove the vast majority of lenders of last resort. It wasn't just capping fees. It was 'making sure the lender could pay&#x27
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by towelr34dy 8y ago
When you deal with people who want to ban those who suffer, you have to remember that 65% of people in the Milgram experiment will pull the lever until the end. Some people just don't listen to those who suffer: they only have an ear f
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by towelr34dy 8y ago
How dare consenting adults do things I find offensive. I don't drink. Drunk people act stupid. Let's ban alcohol. It'll be great. Prove to me it won't! Oh, you enjoy alcohol responsibly? That's just anecdotal. Not l
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by towelr34dy 8y ago
If you really ever needed money, you'd have gotten it. I grew up poor in the 3rd world. Loan sharks, prostitutes, druggies... that's part of life there. Honestly, your judging something from a certain position that's pretty o
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by towelr34dy 8y ago
I've had to take out loans for my business that were at usury rate. It saved me. If it wasn't there, if it was regulated out of existence; I'd have gone to a shark. I was not going to let cash flow cause me failing. Having s

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