We should pardon Snowden. Sure throw a charge at him like he is banned for entering the US for 8 years... And his current time counts against it.
Anything else would discourage other whistleblowers from reporting. If you want to keep whistleblowers from going the illegal route, give them valid legal routes. The current ones clearly don't do anything.
I think that is a grey area historically. It's why LGPL and GPL3 were created. But the community in general is ok with that.
What they are not ok with is if you distribute your interface and the GPL compiled code closed. You would have to either have your installer check and install the GPL version from a 3rd party or distribute the GPL code freely (many consumer products do this). Additionally, any modifications you do to the GPLed code would have to be released too as they are GPLed.
Also, keep in mind this may not count under fair use like Google did. The primary content of Googles deritive work is the implementation. The copied interface is a small piece of it. Your code if defined as a deritive would have the majority of the value come from the GPL implementation, weakening the fair use defense.
This is easy to detail and validate between two simple parties with a witness. But much harder to hold ground when it comes to two large parties.
Europe has this concept that people are employed for life. That companies have a social responsibility to find the citizens work. This is falling on hard times with globalization.
This is actually a cheap lesson to learn. Better to learn it sooner than later.
No, the grand parent says that "You can't expect the current societal structures and economic theories to continue to work when you're making such a drastic change"
This hasn't changed. This has always been said... but the world worked out over all the prior labor changes. We never went into a "horrid dystopia". I did caveat that things were harder and now a bit easier.
I don't understand why the post was marked "Insightful". Population growth has drastically decreased. We are growing at a lower rate than throughout history. Even less so per person when you consider that there are more of us, more with the resources to successfully reproduce, longer lives, and less death. We have more food, homes, comforts, etc today than we did 100 years ago. He even uses a historic reference "let them eat cake" for gods sake.
The grandparent's post is history just repeating itself numerous times. The problem isn't even as big as past events and we did just fine.
Nothing has really changed. If anything, it has become easier. It was pretty difficult in the old days to change professions. Your father was a rice cutter, you became a rice cutter. Your family's name in rice cutting got you the business you needed to make the money when you replaced your father. It wasn't as easy to switch to coconut picking, cotton picking, fishing, or cattle raising because automation replaced 4/5 guys in rice. Your last name didn't have a history in those fields to get you enough business to make it a lively hood.
You also needed to be an apprentice for a master and Masters just didn't take people from other professions just because they showed up at the door and said "I lost my job."
Today, there is a tremendous amount of access to change careers. The same family can actually have members with different careers and can choose to change it mid-life. Something that was very difficult to do 100 years ago.
What we face today isn't a bigger problem than what the Industrial Revolution, end of WWI & WWII, discovery of the Americas, and prior similar labor events had.
Based on my accounting background, I would say this is bad. But probably not for the same reasons as others. This means that Apple, Google, and Microsoft are not doing a great job running their business. Its not a "bad job", just not a great job. It could just mean that most of the other companies are reinvesting their cash (and equivalents) in expansions, buildings, upgrades, or giving it out as dividends & salaries (think Walmart, Publix, ConocoPhillips, Boeing, Samsung, Tesla, etc).
Too much cash normally means the owners are playing it too safe and not investing enough or could invest in higher risk & more profitable ventures. I doubt these guys are hording cash to buy each other.
Yeah, we keep getting this "Laser based weapons platforms" stuff every once in a while. I guess to keep the funding going. "Until miniaturization" is something I been hearing since the 90s.
But they never really tell us how they solved the energy density problem. Planes fly so weight is pretty much the main concern. I never understood how a powerful enough laser could offset the weight of its power source. It goes to the battery problem. And if we solve that, there are a heck of a lot of applications in line well before a mobile laser weapons system.
It makes more sense to have long range, powerful, ground based lasers that shoot at our planes/UAVs/drones to reflect off a mirror (think DLP TVs) to hit their targets. Add a balloon or blimp above the units to extend range.
You don't need a disposable. You can just block a transaction on your CC. Literally 5 min email. I had a random 5 dollar charge that hit my CC. Took a while to figure out who it was and probably spent 30 minutes trying to unsubscribe. Couldn't, 3 sentences later had the last 3 months charges reversed. Showed up again 2 months later. Emailed the CC company and they blocked the charger. Nothing since.
It's been 60 years because the rest of the world keeps supporting them. Heck their very existence is based on foreign aid and the US saying "Ok, let's draw a line here."
NK is the perfect troll. There are days when I think we should just poke them till they level SK. Then just level all of NK. Use that as an example forever to the rest of the world "Don't be a dick".
But most days, I kind of wish we all just ignored them. Just stop feeding their ego and encouraging their tantrums. Their system will collapse pretty quickly. Their own people will fix it to stop the suffering.
OH, any idiot that goes there and gets captured. Tax payers provide one way tickets to anyone who wants to go visit them.
That's just stupid. People of similar looks aren't similar because they congregated and kept their genes clean. They combined different genes and over generations the successful combinations for that local ended up looking similar.
Homogenized gene pools are detrimental to propagation and survival. Naturally we try to provide as much variance in our system as possible.
We don't gravitate to the bland normal looking everyday people in the village. We seek out and compete for the variance. This is normally not good for society so we have social norms in terms of manners, costumes, and practices to maintain civility. With in the social norms that we are taught, we always try to be the one that stands out, the special one, the best etc.
Homogeneous gene pools are highly susceptible to mass extinctions. Most of the genes that leaned toward that fork in the road probably have gone extinct long before one of ours decided to be the human butthole.
So... You should move to Somolia to obtain a piece of the heaven you speak of.
Any project anywhere in the world that is even 1/2 the size that you are referencing demands social tax assistance. The free market considers such endeavors that you are talking about to be too large of a risk (not the same as risky) and never takes part by itself. The free market has never had a pioneering solution here.
I am sorry, but you are severely lacking in the technical knowledge of how these things work. AND you got modded a +5-Interesting on Slashdot of all places? Clearly there are a lot of folks that think in a similar vein... else I guess this would have been a open&shut case. I will try to dumb it down for you in non-IT. Sorry if I am coming off mean, but that is my emotion right now on your "technical solution" to a human problem.
Imagine home builders started making very secure homes. They aren't impossible to break into, just very very difficult. Whether you have a warrant, "reasonable suspicion", or just a criminal is irrelevant and a separate topic. The house is really really hard to break into. So the city council says that all builders that build in their district must provide a master key to be kept in a safe in city hall. So they have a set of master keys to every house in the city. Assume the perfect legal framework as your described.
You see NO issue in the above concept? None at all? You don't think a criminal will be able to eventually duplicate a master key? You don't think people's property values will go down and folks won't live there because of this?
How about a better technical solution to what you describe. Every key generator registers new keys/passwords/personal Q&As in the legal lockbox of yours to be used by legal/moral means only. Drop the complexity of encrypting & storing data with 2 keys. If you are going to be looking up a master key for one device, you might as well have the database just find the device's main key. Remove the risk of a crook figuring out a master key and robbing everyone.
Do you really think this is ok? This is wrong! We shouldn't be forced to have to keep our doors open for all our neighbors. The occasional inability to get into our neighbor's house for an emergency is the small price we pay for that freedom.
People are members of society, not peasants of the collective. We are all voluntary stakeholders in our overall betterment, and should not be treated like chained slaves or prisoners staring at the shoulders of one before. Democracy is a consensus, a collective bargain. Yes, it is fragile, but that is what makes it so great. We all agree to work together for our individual and collective betterment. Not one or the other. And where those goals do not meet, the misguided agreements fall apart and no one is sacrificed.
I think the concept that the "People" have the right to get into your personal stuff, is just wrong. They can have a right to try, but they don't have a right to be successful nor have it made easy. That is not a cornerstone or proper foundation of a good society. And this is before the absolute power corrupts, politicians will abuse this, criminals will hack it, mistakes happen, and bureaucracy buries in "human problems" come along.
I do think about the 3% or 4% cost (minus my cash back). But I think of it as an additional expense for me. Not a loss for the retailer. If I spend $5000 a month (no where that rich) that's $200 in fees. That is worth it to me considering just how much less time I spend logging into the various utility and service websites to pay my monthly bills. 15 years ago, I had to go drive to their offices or mail checks. I still have relatives in other countries that basically lose an entire day a month just travelling around waiting in line to pay bills. Now, it takes me years to go through ONE checkbook.
I don't eat out as often but when I was consulting, yes the ability to use my plastic and rush through hotel checkin, book flights, rent cars, and pay restaurants in quick time was well worth the 4% (no cash back at the time). At the end of the month, I can have a simple app that tallies for me all the _exact_ money I spent on groceries, gas, entertainment, utilities; if it matched my budgets and what my cost trends are. I spend 15 minutes reviewing all the expenditures over the month and approve their payment. If I find something wrong, 15 minute phone call or 10 minute secure email is all it takes to dispute.
YES, that 4% is worth it.
Also, I don't understand the problem with shopping at Amazon. Sure groceries, clothes, heavy/bulk/commodity items aren't what its best for. But I order a lot from Amazon and it saves me a lot of time and hassle. Don't need to waste gas, hunt down the product, nor stare at a limited selection. I got the reviews, the large selection, the cost, the alternatives, the quick search capability, etc. So much free time to spend on cooking, art, movies, the garden....and... more shopping.
They are called personal checks. Or you can get a free Banker's check. The developing world also has the ability to send money to each other over the phones. We are talking about people who make $20 a week providing taxi & delivery services on bikes. They have $10 phones with $1 cellular plans.
There are tons of ways to mitigate your scenario of Negative Interest Rates. Gold, land, stocks, foreign banks, etc. Cash under your mattress is a horrible hedge. And we are no where close to your NIR. An NIR means your other economic options related to this currency are horrible and this is the government's effort to encourage you to not save the currency, but spend it and spend it now.
What happened in the Financial trouble of 2008? We were all protected up to $100k by default and our government even extended it to $250k. So if the bank went under, we could transfer our funds to another bank and go about business as usual. But if you have more than $250k in cash sitting in one FDIC account... you are doing it wrong. And they can't "recapitalize" your deposits. They do that every day... that's what a bank is supposed to do... recapitalize your deposits. The reason they are in the shit they are in is because they over leveraged your deposits and can't keep the lights on. At that point, there isn't anything left to recapitalize. For your last statement, if a depositor is part owner of the bankrupt and restructured bank for funds after their insured deposits, then they are better off than they are today. If they are given the choice to use their insured deposits for investment in the new bank, then that is still better off from today (thou it would be rare to take that offer).
So you won't give her a checking account but will allow her to run around with cash from the babysits? I am guessing you confiscate the cash she gets and put it into her savings account. But I am not following exactly why you are doing this? What is the harm of a checking account with access to her own funds that you help her manage? Same with extending your credit card to her (no vendor will give someone under 18 their own CC).
My minimum is at $3, unless I notice it is a small business or they have a sign. But places that says minimum of $10 or more for credit, I normally do not go back to. I can probably count on both hands the number of months over my life when I have had more than $40 in my wallet. And I used to do a lot of travel for consulting.
I think if banks are bombed to oblivion, it also means the Federal Reserve has long since become irrelevant, and society has ceased being civil. The Dollar would be fairly worthless in a short time after in such a situation. At that point, bullets and your labor would be the true currency and we might as well melt the coins.
But apparently billions of dollars in annual transactions between numerous parties disagree with you. Most of which never actually meet to conduct the transfer of funds. In isolation, 3% may seem large. But that 3% also bring in additional revenue to pay for itself. Sure, there is a volume threshold where cash makes far more sense than credit, but I doubt that user base will really miss the $100 bill. I would be surprised if they accept it, considering the fraud on that would really hurt.
In the US, there are probably more places that decline bills over $20 than decline cards.
For something like Craigslist, why not get a free Banker's check from your bank? Or are you making profit like a small business and don't want to pay your share? Doing a "garage sale" doesn't even need to be reported. Hobby items are usually non-profit so don't incur any taxes. I don't think you need to even report your sales if they are less than 200 per year or $12k in revenues.
For small to medium sized businesses, the first three items can be had for 0.3% (1/3 of a penny per dollar) of the transaction. This is those iPad/iPhone card readers. This is very negligible when compared to the credit card fees. Once the revenues cross a threshold to afford the up front cost of infrastructure but get the high transaction volume rates, they can switch.
EFTs make sense for volume. Humans going through wads of cash do not scale. Here in the US, EFT fraud is very low compared to cash fraud (we are including stolen cash). And if you already have the volume to justify the EFT infrastructure costs, EFTs pay for their transaction fees through increased volume.
Of course the above will vary by country. Most other nations have a higher EFT fraud rate than the US.
It was horrible written. Calling it an essay is an insult. I am pretty bad at writing essays and even I could tell that was not the way to go about it. What was the point and purpose? Who was her target audience? How did she want the message to approach the reader? How was she expecting the reader to respond? What was the tone she was going for? (what I did here with the questions, is basically her text).
All I got was a bombardment of asking someone to feel bad for her about the various problems she and her coworkers have to deal with. This was a conversation piece with a friend. This essay is how 15-35 year olds unload stress to a good friend on the phone. That is not how you talk to people you do not know (ie: The CEO, HR, Slashdot, random people on the internet, etc).
I had quite a lot of trouble getting to the end of that essay. Responding to your post was a more driving force to finish it, than her post itself. The whole thing is made worse by the fact that she majored in English!
Now to address the actual topic. The best thing she could have done is found another job and written (an actual letter) something coherent addressed to the CEO upon finding one. She could have told him why and others like her have left, and the company would have been more receptive. Maybe even offered her a job to come back (which I don't think she should take). The alternative would have been to find more roommates (ie: with coworkers), ride share, do a budget analysis, and make some hard choices (maybe go bankrupt). But I think those are just compromises with a situation that she clearly doesn't like. She disliked her job a lot, move on.
The open door policies of ALL companies is bullshit. It doesn't mean what people think it means. The best it gets is, "We will openly listen and TRY to address your criticism." Most people think that also means the company won't be insulted or won't fire them or won't impact their career. This is false. Somewhere in that machine, there is a cog that will feel insulted and will seek redress. The open door just slaps a name on the offender. Someone who goes through that open door is really trying to help the company at their own expense. If they want something personal, they should choose someone they trust, and have a closed door conversation.
Uh, no. Just because you are guilty doesn't mean you can further self-incriminate. The obtained evidence can't be used against you; whether correlated or not. And in such situations where you already have evidence that they are guilt, it wasn't needed anyway; no need to erode defense or private property rights. Of course there could be (proven) information on there that could save someone, but that still doesn't command you to unlock. In such situations, you would just be charged with accessory to crime or non-cooperation or similar.
Slashdot Mirror
We should pardon Snowden. Sure throw a charge at him like he is banned for entering the US for 8 years... And his current time counts against it.
Anything else would discourage other whistleblowers from reporting. If you want to keep whistleblowers from going the illegal route, give them valid legal routes. The current ones clearly don't do anything.
I think that is a grey area historically. It's why LGPL and GPL3 were created. But the community in general is ok with that.
What they are not ok with is if you distribute your interface and the GPL compiled code closed. You would have to either have your installer check and install the GPL version from a 3rd party or distribute the GPL code freely (many consumer products do this). Additionally, any modifications you do to the GPLed code would have to be released too as they are GPLed.
Also, keep in mind this may not count under fair use like Google did. The primary content of Googles deritive work is the implementation. The copied interface is a small piece of it. Your code if defined as a deritive would have the majority of the value come from the GPL implementation, weakening the fair use defense.
This is easy to detail and validate between two simple parties with a witness. But much harder to hold ground when it comes to two large parties.
Europe has this concept that people are employed for life. That companies have a social responsibility to find the citizens work. This is falling on hard times with globalization.
This is actually a cheap lesson to learn. Better to learn it sooner than later.
No, the grand parent says that "You can't expect the current societal structures and economic theories to continue to work when you're making such a drastic change"
This hasn't changed. This has always been said... but the world worked out over all the prior labor changes. We never went into a "horrid dystopia". I did caveat that things were harder and now a bit easier.
I don't understand why the post was marked "Insightful". Population growth has drastically decreased. We are growing at a lower rate than throughout history. Even less so per person when you consider that there are more of us, more with the resources to successfully reproduce, longer lives, and less death. We have more food, homes, comforts, etc today than we did 100 years ago. He even uses a historic reference "let them eat cake" for gods sake.
The grandparent's post is history just repeating itself numerous times. The problem isn't even as big as past events and we did just fine.
Nothing has really changed. If anything, it has become easier. It was pretty difficult in the old days to change professions. Your father was a rice cutter, you became a rice cutter. Your family's name in rice cutting got you the business you needed to make the money when you replaced your father. It wasn't as easy to switch to coconut picking, cotton picking, fishing, or cattle raising because automation replaced 4/5 guys in rice. Your last name didn't have a history in those fields to get you enough business to make it a lively hood.
You also needed to be an apprentice for a master and Masters just didn't take people from other professions just because they showed up at the door and said "I lost my job."
Today, there is a tremendous amount of access to change careers. The same family can actually have members with different careers and can choose to change it mid-life. Something that was very difficult to do 100 years ago.
What we face today isn't a bigger problem than what the Industrial Revolution, end of WWI & WWII, discovery of the Americas, and prior similar labor events had.
What does that mean? What is your intent here?
Based on my accounting background, I would say this is bad. But probably not for the same reasons as others. This means that Apple, Google, and Microsoft are not doing a great job running their business. Its not a "bad job", just not a great job. It could just mean that most of the other companies are reinvesting their cash (and equivalents) in expansions, buildings, upgrades, or giving it out as dividends & salaries (think Walmart, Publix, ConocoPhillips, Boeing, Samsung, Tesla, etc).
Too much cash normally means the owners are playing it too safe and not investing enough or could invest in higher risk & more profitable ventures. I doubt these guys are hording cash to buy each other.
Yeah, we keep getting this "Laser based weapons platforms" stuff every once in a while. I guess to keep the funding going. "Until miniaturization" is something I been hearing since the 90s.
But they never really tell us how they solved the energy density problem. Planes fly so weight is pretty much the main concern. I never understood how a powerful enough laser could offset the weight of its power source. It goes to the battery problem. And if we solve that, there are a heck of a lot of applications in line well before a mobile laser weapons system.
It makes more sense to have long range, powerful, ground based lasers that shoot at our planes/UAVs/drones to reflect off a mirror (think DLP TVs) to hit their targets. Add a balloon or blimp above the units to extend range.
I think they were going for: HEL Fire
You don't need a disposable. You can just block a transaction on your CC. Literally 5 min email. I had a random 5 dollar charge that hit my CC. Took a while to figure out who it was and probably spent 30 minutes trying to unsubscribe. Couldn't, 3 sentences later had the last 3 months charges reversed. Showed up again 2 months later. Emailed the CC company and they blocked the charger. Nothing since.
It's been 60 years because the rest of the world keeps supporting them. Heck their very existence is based on foreign aid and the US saying "Ok, let's draw a line here."
NK is the perfect troll. There are days when I think we should just poke them till they level SK. Then just level all of NK. Use that as an example forever to the rest of the world "Don't be a dick".
But most days, I kind of wish we all just ignored them. Just stop feeding their ego and encouraging their tantrums. Their system will collapse pretty quickly. Their own people will fix it to stop the suffering.
OH, any idiot that goes there and gets captured. Tax payers provide one way tickets to anyone who wants to go visit them.
That's just stupid. People of similar looks aren't similar because they congregated and kept their genes clean. They combined different genes and over generations the successful combinations for that local ended up looking similar.
Homogenized gene pools are detrimental to propagation and survival. Naturally we try to provide as much variance in our system as possible.
We don't gravitate to the bland normal looking everyday people in the village. We seek out and compete for the variance. This is normally not good for society so we have social norms in terms of manners, costumes, and practices to maintain civility. With in the social norms that we are taught, we always try to be the one that stands out, the special one, the best etc.
Homogeneous gene pools are highly susceptible to mass extinctions. Most of the genes that leaned toward that fork in the road probably have gone extinct long before one of ours decided to be the human butthole.
So... You should move to Somolia to obtain a piece of the heaven you speak of.
Any project anywhere in the world that is even 1/2 the size that you are referencing demands social tax assistance. The free market considers such endeavors that you are talking about to be too large of a risk (not the same as risky) and never takes part by itself. The free market has never had a pioneering solution here.
I am sorry, but you are severely lacking in the technical knowledge of how these things work. AND you got modded a +5-Interesting on Slashdot of all places? Clearly there are a lot of folks that think in a similar vein... else I guess this would have been a open&shut case. I will try to dumb it down for you in non-IT. Sorry if I am coming off mean, but that is my emotion right now on your "technical solution" to a human problem.
Imagine home builders started making very secure homes. They aren't impossible to break into, just very very difficult. Whether you have a warrant, "reasonable suspicion", or just a criminal is irrelevant and a separate topic. The house is really really hard to break into. So the city council says that all builders that build in their district must provide a master key to be kept in a safe in city hall. So they have a set of master keys to every house in the city. Assume the perfect legal framework as your described.
You see NO issue in the above concept? None at all? You don't think a criminal will be able to eventually duplicate a master key? You don't think people's property values will go down and folks won't live there because of this?
How about a better technical solution to what you describe. Every key generator registers new keys/passwords/personal Q&As in the legal lockbox of yours to be used by legal/moral means only. Drop the complexity of encrypting & storing data with 2 keys. If you are going to be looking up a master key for one device, you might as well have the database just find the device's main key. Remove the risk of a crook figuring out a master key and robbing everyone.
Do you really think this is ok? This is wrong! We shouldn't be forced to have to keep our doors open for all our neighbors. The occasional inability to get into our neighbor's house for an emergency is the small price we pay for that freedom.
People are members of society, not peasants of the collective. We are all voluntary stakeholders in our overall betterment, and should not be treated like chained slaves or prisoners staring at the shoulders of one before. Democracy is a consensus, a collective bargain. Yes, it is fragile, but that is what makes it so great. We all agree to work together for our individual and collective betterment. Not one or the other. And where those goals do not meet, the misguided agreements fall apart and no one is sacrificed.
I think the concept that the "People" have the right to get into your personal stuff, is just wrong. They can have a right to try, but they don't have a right to be successful nor have it made easy. That is not a cornerstone or proper foundation of a good society. And this is before the absolute power corrupts, politicians will abuse this, criminals will hack it, mistakes happen, and bureaucracy buries in "human problems" come along.
So... you created a dependency on a feature of substring that isn't formally standardized? A behavior that could change in a future release.
I do think about the 3% or 4% cost (minus my cash back). But I think of it as an additional expense for me. Not a loss for the retailer. If I spend $5000 a month (no where that rich) that's $200 in fees. That is worth it to me considering just how much less time I spend logging into the various utility and service websites to pay my monthly bills. 15 years ago, I had to go drive to their offices or mail checks. I still have relatives in other countries that basically lose an entire day a month just travelling around waiting in line to pay bills. Now, it takes me years to go through ONE checkbook.
I don't eat out as often but when I was consulting, yes the ability to use my plastic and rush through hotel checkin, book flights, rent cars, and pay restaurants in quick time was well worth the 4% (no cash back at the time). At the end of the month, I can have a simple app that tallies for me all the _exact_ money I spent on groceries, gas, entertainment, utilities; if it matched my budgets and what my cost trends are. I spend 15 minutes reviewing all the expenditures over the month and approve their payment. If I find something wrong, 15 minute phone call or 10 minute secure email is all it takes to dispute.
YES, that 4% is worth it.
Also, I don't understand the problem with shopping at Amazon. Sure groceries, clothes, heavy/bulk/commodity items aren't what its best for. But I order a lot from Amazon and it saves me a lot of time and hassle. Don't need to waste gas, hunt down the product, nor stare at a limited selection. I got the reviews, the large selection, the cost, the alternatives, the quick search capability, etc. So much free time to spend on cooking, art, movies, the garden....and... more shopping.
They are called personal checks. Or you can get a free Banker's check. The developing world also has the ability to send money to each other over the phones. We are talking about people who make $20 a week providing taxi & delivery services on bikes. They have $10 phones with $1 cellular plans.
There are tons of ways to mitigate your scenario of Negative Interest Rates. Gold, land, stocks, foreign banks, etc. Cash under your mattress is a horrible hedge. And we are no where close to your NIR. An NIR means your other economic options related to this currency are horrible and this is the government's effort to encourage you to not save the currency, but spend it and spend it now.
What happened in the Financial trouble of 2008? We were all protected up to $100k by default and our government even extended it to $250k. So if the bank went under, we could transfer our funds to another bank and go about business as usual. But if you have more than $250k in cash sitting in one FDIC account... you are doing it wrong. And they can't "recapitalize" your deposits. They do that every day... that's what a bank is supposed to do... recapitalize your deposits. The reason they are in the shit they are in is because they over leveraged your deposits and can't keep the lights on. At that point, there isn't anything left to recapitalize. For your last statement, if a depositor is part owner of the bankrupt and restructured bank for funds after their insured deposits, then they are better off than they are today. If they are given the choice to use their insured deposits for investment in the new bank, then that is still better off from today (thou it would be rare to take that offer).
So you won't give her a checking account but will allow her to run around with cash from the babysits? I am guessing you confiscate the cash she gets and put it into her savings account. But I am not following exactly why you are doing this? What is the harm of a checking account with access to her own funds that you help her manage? Same with extending your credit card to her (no vendor will give someone under 18 their own CC).
My minimum is at $3, unless I notice it is a small business or they have a sign. But places that says minimum of $10 or more for credit, I normally do not go back to. I can probably count on both hands the number of months over my life when I have had more than $40 in my wallet. And I used to do a lot of travel for consulting.
I think if banks are bombed to oblivion, it also means the Federal Reserve has long since become irrelevant, and society has ceased being civil. The Dollar would be fairly worthless in a short time after in such a situation. At that point, bullets and your labor would be the true currency and we might as well melt the coins.
But apparently billions of dollars in annual transactions between numerous parties disagree with you. Most of which never actually meet to conduct the transfer of funds. In isolation, 3% may seem large. But that 3% also bring in additional revenue to pay for itself. Sure, there is a volume threshold where cash makes far more sense than credit, but I doubt that user base will really miss the $100 bill. I would be surprised if they accept it, considering the fraud on that would really hurt.
In the US, there are probably more places that decline bills over $20 than decline cards.
For something like Craigslist, why not get a free Banker's check from your bank? Or are you making profit like a small business and don't want to pay your share? Doing a "garage sale" doesn't even need to be reported. Hobby items are usually non-profit so don't incur any taxes. I don't think you need to even report your sales if they are less than 200 per year or $12k in revenues.
For small to medium sized businesses, the first three items can be had for 0.3% (1/3 of a penny per dollar) of the transaction. This is those iPad/iPhone card readers. This is very negligible when compared to the credit card fees. Once the revenues cross a threshold to afford the up front cost of infrastructure but get the high transaction volume rates, they can switch.
EFTs make sense for volume. Humans going through wads of cash do not scale. Here in the US, EFT fraud is very low compared to cash fraud (we are including stolen cash). And if you already have the volume to justify the EFT infrastructure costs, EFTs pay for their transaction fees through increased volume.
Of course the above will vary by country. Most other nations have a higher EFT fraud rate than the US.
It was horrible written. Calling it an essay is an insult. I am pretty bad at writing essays and even I could tell that was not the way to go about it. What was the point and purpose? Who was her target audience? How did she want the message to approach the reader? How was she expecting the reader to respond? What was the tone she was going for? (what I did here with the questions, is basically her text).
All I got was a bombardment of asking someone to feel bad for her about the various problems she and her coworkers have to deal with. This was a conversation piece with a friend. This essay is how 15-35 year olds unload stress to a good friend on the phone. That is not how you talk to people you do not know (ie: The CEO, HR, Slashdot, random people on the internet, etc).
I had quite a lot of trouble getting to the end of that essay. Responding to your post was a more driving force to finish it, than her post itself. The whole thing is made worse by the fact that she majored in English!
Now to address the actual topic. The best thing she could have done is found another job and written (an actual letter) something coherent addressed to the CEO upon finding one. She could have told him why and others like her have left, and the company would have been more receptive. Maybe even offered her a job to come back (which I don't think she should take). The alternative would have been to find more roommates (ie: with coworkers), ride share, do a budget analysis, and make some hard choices (maybe go bankrupt). But I think those are just compromises with a situation that she clearly doesn't like. She disliked her job a lot, move on.
The open door policies of ALL companies is bullshit. It doesn't mean what people think it means. The best it gets is, "We will openly listen and TRY to address your criticism." Most people think that also means the company won't be insulted or won't fire them or won't impact their career. This is false. Somewhere in that machine, there is a cog that will feel insulted and will seek redress. The open door just slaps a name on the offender. Someone who goes through that open door is really trying to help the company at their own expense. If they want something personal, they should choose someone they trust, and have a closed door conversation.
Uh, no. Just because you are guilty doesn't mean you can further self-incriminate. The obtained evidence can't be used against you; whether correlated or not. And in such situations where you already have evidence that they are guilt, it wasn't needed anyway; no need to erode defense or private property rights. Of course there could be (proven) information on there that could save someone, but that still doesn't command you to unlock. In such situations, you would just be charged with accessory to crime or non-cooperation or similar.