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No Shirt, No Swipe, No Service

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31–40 of 140 posts

Re: No Shirt, No Swipe, No Service

#31

One thing that Neuromancer had, but we never got, was credsticks. I want a fee-free electronic wallet that is anonymous. Also, we really need a law saying that the credit card companies (and others in the toolchain) can't use our data for anything but payment processing. I'm sick of being tracked by my transactions.

We combined our credsticks into our mobile devices

Re: No Shirt, No Swipe, No Service

#32

To echo what others have said, cashless systems -- especially in fast food chains -- are a quick way to discriminate against a whole population of the underbanked. I was in Dos Toros (burrito chain mentioned early in the article) about a month ago, and the woman in line ahead of me didn't have a card. She got so embarrassed at the register despite having ample cash to pay for her meal. I paid for her with my card, sh…

Can't you buy a prepaid debit card at a Walmart? I think it's probably fine to let the business decide whatever means of payment they want to accept.

Why should you have to?

Once upon a time the customer was always right. A business was supposed to serve the customer's needs and did what was necessary to achieve that. Now the business can insert multiple middlemen with commissions and transaction fees and the damn customers can just fall into line. Sharpish please, and no complaints or we'll close your account.

Do we not see a problem travelling down this road? Or do we have to return to barter and hacksilver to decide perhaps cash was useful?

Re: No Shirt, No Swipe, No Service

#33
I think the federal government should start using FDIC as a stick here. It could be fairly straightforward: if you want to be an FDIC member, you must offer basic banking. In particular, you must offer anyone who is legally in the US a free checking account. The terms must be more or less standardized. No arbitration clause, no limit on class-action lawsuits, no check deposit fees, no in-network ATM fees, no under-minimum fees, no overdraft fees. If a bank wants to participate, it should be required to offer banking.

Re: No Shirt, No Swipe, No Service

#34

To echo what others have said, cashless systems -- especially in fast food chains -- are a quick way to discriminate against a whole population of the underbanked. I was in Dos Toros (burrito chain mentioned early in the article) about a month ago, and the woman in line ahead of me didn't have a card. She got so embarrassed at the register despite having ample cash to pay for her meal. I paid for her with my card, sh…

Sounds like an https://www.reddit.com/r/shittychurning/ opportunity, to me.

Re: No Shirt, No Swipe, No Service

#35

Earlier quoted context omitted.

Can't you buy a prepaid debit card at a Walmart? I think it's probably fine to let the business decide whatever means of payment they want to accept.

Why should you have to? Once upon a time the customer was always right. A business was supposed to serve the customer's needs and did what was necessary to achieve that. Now the business can insert multiple middlemen with commissions and transaction fees and the damn customers can just fall into line. Sharpish please, and no complaints or we'll close your account. Do we not see a problem travelling down this road? Or…

>Why should you have to?

This is going to sound glib, but I assure you that it's offered genuinely: you don't have to do anything.

Re: No Shirt, No Swipe, No Service

#36

To echo what others have said, cashless systems -- especially in fast food chains -- are a quick way to discriminate against a whole population of the underbanked. I was in Dos Toros (burrito chain mentioned early in the article) about a month ago, and the woman in line ahead of me didn't have a card. She got so embarrassed at the register despite having ample cash to pay for her meal. I paid for her with my card, sh…

Can't you buy a prepaid debit card at a Walmart? I think it's probably fine to let the business decide whatever means of payment they want to accept.

Compare cash to the walmart card:

1) walmart charges 3% for all purchases outside of walmart

2) walmart charges 1$ for all purchses

3) walmart charges 5$ monthly maintenance fee

4) walmart charges 3$ to 5$ per deposit

5) even to check account status costs 50cents

Holding cash has none of these costs. I am not surprised that there is a large contingent of society that doesn't trust cards and banks.

Re: No Shirt, No Swipe, No Service

#37

To echo what others have said, cashless systems -- especially in fast food chains -- are a quick way to discriminate against a whole population of the underbanked. I was in Dos Toros (burrito chain mentioned early in the article) about a month ago, and the woman in line ahead of me didn't have a card. She got so embarrassed at the register despite having ample cash to pay for her meal. I paid for her with my card, sh…

What card-only establishments really need is what cash-only bars and diners have had for years: an on-premises method of conversion. It would effectively be a reverse ATM, that you could feed cash and get a prepaid card (minus, of course, an ATM fee).

If something like this doesn’t exist, it seems like a good startup opportunity.

Re: No Shirt, No Swipe, No Service

#38
post #12

No cash, no sale. Privacy is a big deal to me. Plus downtime. Cash always works. Handling it is sometimes a PITA, but I must say we have a long way to go before electronic systems work well universally. Ordinary people are confused by them, and there are many janky, ultra cheapo type readers out there. For me personally, I leave my mobile unconnected to any payment system. I don't need or want that. I will and do use…

> Cash always works.

The falsity of this statement is the entire point of the article.

I agree with you otherwise, I think, but this sentence is, now, in this time, unambiguously false.

Re: No Shirt, No Swipe, No Service

#39

Earlier quoted context omitted.

Why should you have to? Once upon a time the customer was always right. A business was supposed to serve the customer's needs and did what was necessary to achieve that. Now the business can insert multiple middlemen with commissions and transaction fees and the damn customers can just fall into line. Sharpish please, and no complaints or we'll close your account. Do we not see a problem travelling down this road? Or…

> Why should you have to? This is going to sound glib, but I assure you that it's offered genuinely: you don't have to do anything.

Including eat or breathe.

Re: No Shirt, No Swipe, No Service

#40

Earlier quoted context omitted.

Why should you have to? Once upon a time the customer was always right. A business was supposed to serve the customer's needs and did what was necessary to achieve that. Now the business can insert multiple middlemen with commissions and transaction fees and the damn customers can just fall into line. Sharpish please, and no complaints or we'll close your account. Do we not see a problem travelling down this road? Or…

> Why should you have to? This is going to sound glib, but I assure you that it's offered genuinely: you don't have to do anything.

Until such point as all businesses have achieved cashless and there is no choice in the matter left, for anyone. That's the stated endpoint of this game. Why do you think Visa are offering $10k prizes for businesses that can go fully cashless? It's not for the customers.

I would make a point of not supporting such a business but if I'm in a minority and cashless catches on...

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