Viewing profile — towelr34dy

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 …

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 tho…

> 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…

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, pr…

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 d…

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 …

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 bene…

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…

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. T…

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 solutio…

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,…

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 wh…

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 …

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 nee…

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 …

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…

So what should be done?

I didn't know freedom meant people doing stuff that sucks. Quote by someone.

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…

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…

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 i…

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 help…

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. …

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? T…

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 wou…