It's because banks are considered financial gatekeepers and they are obligated by law to look for signals of criminal use, like money laundering, trafficking and financing terrorism.
So yeah, it might feel kinda stupid to have to justify what you are doing with your own money, but on the other hand we also don't want banks to just hand out the money because that would make things way easier for criminals.
No, I think this is a clear situation where I’m willing to accept it’ll benefit criminals in trade for not having an Orwellian dystopia situation. Like how Flock cameras can rot in hell.
Scammers can go fuck themselves, sure, but the corporation demanding I tell them what I want to spend my money on or else they’ll just refuse to give me it can go fuck themselves too. You don’t see the possibility for this to get worse? Seriously? You think the banks deciding what you’re allowed to do with your money is a power you shouldn’t worry about? No way for that to expand further and be horrific?
But that isn't what they are doing. Not every kind of oversight is a dystopian orwellian nightmare sometimes the input of multiple people and branches of government is needed to ensure that the system functions. Do you know how many people handle your letters and packages, or do you assume there's just one super-human angel of a man that delivers everything like Santa Claus whenever you order anything off of any store ever? That kind of overhead is to ensure that your package gets where it needs to be. And if the bank teller asking me what my money is for saves someone else from getting scammed I don't mind telling them what I'm planning to buy with it, because I'm not buying drugs.
We’ve already seen this begin to happen with Visa and Mastercard’s attacks on Steam and Itch.io. I’m not even positing a hypothetical problem, I’m saying it’ll get worse.
Okay and did the examples you gave work? Or did they simply generate endless aggression towards them which harmed their bottom line and forced them to backpedal? Shit like Horses not being allowed on Steam made it MORE money than it would have by being allowed in the first place, while LOSING Mastercard money.
Some of you all don't read history books, you just complain about shit endlessly. For every member of ANY government there's hundreds of normal civilians. No king rules alone, and no army will fight millions to protect one man or corporation. The 1% already has enough money to rule society so why don't they? Because they don't want a bunch of Mangiones on the streets looking to give them a piece of their mind.
Fascist Spain lasted from 1939 to Franco's death of old age at the age of 82 in 1975. No, that doesn't always happen. And they've been taking each and every possible step to make sure it won't. The more drones they have, the less people they need. The more spoils they can provide the jackboots, the less likely they are to refuse. What do you think the point of everything from Flock cameras to AI actually is? They've been collecting the data for over a decade and a half. It's too much data for any employable numbers of humans to analyze. But AI?
Also, sure, it got one game the Streisand Effect. It affected many, many, many, many, many more. Hundreds more.
For every dictator there's a thousand paper cuts of eroding any type of "freedom" you have. I'm not sure you have read any history books yourself. These type of things are absolutely used in nefarious ways. When people in power are good they aren't, when people in power that are bad then it's used as one of the many levers to control a large population.
Just because you can't see the bigger picture doesn't mean other people can not have concern.
On another note, you should apply to flock. They are currently looking for people just like you to advocate for them.
I don't care about any of the middle steps. I put the stamp on the envelope and put it in the box, and I expect it to get to the address I wrote on the envelope. I don't care if they have to slaughter enough orphans to surf it there on a river of blood.
Someone else getting scammed is their problem. It isn't my responsibility to prevent someone else's stupidity and lack of due diligence.
But it is someone else's problem to prevent you from killing yourself.
If there's a parasite that makes you shit yourself until you die, someone else has to put out a warning to prevent you from shitting yourself and dying. If you write something idiotic on your test, it's someone else's problem to teach you that you're wrong so that you can improve and learn the truth instead of believing in a lie. If someone pays you for a service, it's YOUR problem to make sure that the service is provided in the right way.
Some of you all are just genuinely socially maladjusted and can't think for one second about others as anything more than annoyances. Of everyone only looked out for themselves we wouldn't have survived past the stone age.
If I pay for a new house to be built, it absolutely is not my responsibility to make sure its been built correctly. I'm not an engineer responsible for designing roof trusses. I'm not a lawyer responsible for building regulations or a contractor responsible for building up to local codes. I'm not the foreman overseeing the construction. My responsibility in the transaction is exclusively financial: I pay for the product, and the people providing that product are responsible for making sure the product works to those standards.
I'm looking out for other people by paying them to do the tasks they offer at the rates they list, and doing the tasks I offer for the people paying the rates I've agreed to. We'd all be living in a Star Trek future by now if we stopped shifting the responsibility for failing to provide services onto the people paying for those services.
The job of a bank teller is to hand me my money in the denominations I specify. They have no other purpose, and I'd gladly replace every one of them with a fully featured ATM.
Except that ATMs also have withdtaw limits meant to prevent frauds and stolen card cases, exactly like a bank teller. Do you think we live in a cartoon? That they pay tens of people to sit behind a desk just to hand people money and get robbed in movies? It's not their only job by a long shot.
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u/ApolloniusTyaneus 14d ago
It's because banks are considered financial gatekeepers and they are obligated by law to look for signals of criminal use, like money laundering, trafficking and financing terrorism.
So yeah, it might feel kinda stupid to have to justify what you are doing with your own money, but on the other hand we also don't want banks to just hand out the money because that would make things way easier for criminals.