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UK Petition: Do not introduce Digital ID cards

petition.parliament.uk

351–360 of 373 posts

Re: UK Petition: Do not introduce Digital ID cards

#351

Earlier quoted context omitted.

I realize that you responded to a specific statement, not necessarily the entire context of the thread. However: Saying that a person’s credit score is entirely due to their own financial decisions is incorrect because it’s overly simplistic, that’s true, although the main factor is that person’s behavior (whether that behavior is their fault or not is a different story). It can also depend on circumstances specific…

> although the main factor is that person’s behavior (whether that behavior is their fault or not is a different story). This is the whole crux of the situation so buying it in a disclaimer misses the point. Every lender and background investigator I’ve ever interacted with have treated credit score as a social credit marker, but sure, your mileage might vary. > They’re uncaring algorithms optimized solely for determ…

> This is the whole crux of the situation so buying it in a disclaimer misses the point.

It maybe doesn’t adress the point you’re interested in, but it doesn’t miss the point I was making, that the goals and mechanisms revolves around how well a person manages credit. For the credit provider everything else is secondary or irrelevant, including whether it’s because you’ve made poor decisions or external factors have screwed you over.

> Every lender and background investigator I’ve ever interacted with have treated credit score as a social credit marker, but sure, your mileage might vary.

This is probably the crux of why we’re not on the same page, because I don’t understand what this means. I’m genuinely asking, what do you mean when you say that they treated it as a social credit score marker? What business did you have with them (or they with you) that didn’t involve whether or not to extend credit? What does the term “social credit score marker” mean to you?

> This is a fallacy; algorithms are “uncaring” in an anthropomorphic sense, yes, they lack a psychological capacity to care, but their designers are very much not, as you admit in the very next sentence.

I don’t see how you explain that it’s a fallacy, and I don’t think it is, but I concede that it’s a confusing word choice - I should probably have just omitted the word “uncaring”. My point was once again that their sole goal is determining the risk of extending a person credit - whether that would be a nice or moral thing to do or not doesn’t factor into it.

> We entirely disagree on this point. Probably because we have different definitions of “non-financial factors” and “non-financial outcomes.”

I assume here that you mean that people’s financial status, including their access to credit, determines a lot of aspects of their lives, too (correct me if I’m wrong). I don’t think any reasonable person disagrees with that. I do however think that you underestimate how constraining it can be when additional variables are factored in to more directly control what you are and aren’t allowed to do, and how.

Re: UK Petition: Do not introduce Digital ID cards

#352

Earlier quoted context omitted.

[flagged]

Damaging military equipment responsible for defending the country for a political goal is terrorism. They attacked the state.

... "the unlawful use of violence and intimidation, especially against civilians, in the pursuit of political aims."

No. It's. Not.

But even if you disagree with the dictionary and me. These kind of nuisance resistance acts have happened countless times in the past without serious punishment.

They're taken for what they are. It's only recently, as we move towards something darker, and laws created for actual terrorism begin to be used against the citizens.

Perhaps you're the kind of wanker who welcomes that.

Re: UK Petition: Do not introduce Digital ID cards

#354
post #349

Earlier quoted context omitted.

No having a high credit score has nothing do with your wealth or social class. I have worked in this industry briefly. It looks at your ability to manage credit, and whether you have any flags. e.g. I had a 995 credit score on Experian back in the late 2000s. The highest was 999. I earned £18,000 at the time, and was in my mid-20s and didn't really own anything at the time. I did have a credit card at the time where…

Your case is a great example of why credit scores are not reliable indicators. You were living on the ropes then. One job loss and you probably have very little saved and will be forced to incur debt and and start defaulting on payments potentially. You were very much the risky bet. And yet, you were able to game the system to look like a reliable bet. Gaming the system like you were able to do in order to improve yo…

Your comment is a great example of "If you assume, it makes an ass out of u and me".

Everything about this reply is completely incorrect.

> Your case is a great example of why credit scores are not reliable indicators. You were living on the ropes then. One job loss and you probably have very little saved and will be forced to incur debt and and start defaulting on payments potentially. You were very much the risky bet. And yet, you were able to game the system to look like a reliable bet.

So you made a bunch of assumptions about my personal circumstances. Let me correct you:

- I didn't "Game the system". I had absolutely no idea at the time such a thing as a credit score existed. I cannot game a system when I have no idea that it exists. The only reason I checked is that other people at work were checking theirs and I did so sheerly out of curiosity. Many years later I happened to work a contract where they wrote software that did the credit checks.

- I was not "living on the ropes". I lived within my means.

- I had 2-3 months of savings. My strategy for saving this money was to save it on payday. So I forgot I had the money and couldn't spend it. I do exactly the same thing now.

- The debt I had on my credit card was paid off in full monthly. I only used it for online purchases (many online sites didn't take debit cards still).

> Gaming the system like you were able to do in order to improve your credit score is very much correlated to financial literacy which is correlated to socioeconomic class which is correlated to race.

Again I did not game the system. I was completely financially illiterate at the time. My only financial literacy, I had at time was that I shouldn't spend all my money after payday and I shouldn't spend more money than I had. I found that out in the first month of living on my own. My family actually earn a lot less than I do now.

None of this has anything to do with race. From reading your comments replying to me and your posting history, I am pretty sure you are from the US. You are applying your US centric view of the world onto the UK. The UK is not the US.

> This is how we arrive at credit scores being race and class indicators, but not bound by laws that prohibit using race and class as indicators.

What you are trying to do is to erroneously shoehorn in your brand of US politics into a discussion about the UK. As a result of this you have got everything about my personal circumstances (at the time) and the circumstances of family and wider community completely incorrect, in an attempt to score some political points (it obvious btw from the language you are using).

I suggest in future you shouldn't make assumptions.

Re: UK Petition: Do not introduce Digital ID cards

#355

Earlier quoted context omitted.

> Because the alternative is that we provide our passport to every online service that 'needs' to verify our identity. I really really really don't want to 'verify my identity' everywhere. Why the F is that normalised these days?? If I buy something online my payment and delivery address is all they should need. And all they've had to have for the last 30 years > I'd much rather the government, who already know every…

Airlines and airline middle-men organisations are the worst offenders and centralised identification is not going to help there. Having flied with a few airlines, your details are out there. In the UK, national and travel passport are the same.

That's true. I remember Karsten Nohl's presentation about this at 33c3 and not much seems to have improved.

https://securityaffairs.com/54969/hacking/flight-bookings.ht...

Re: UK Petition: Do not introduce Digital ID cards

#356
post #218

Earlier quoted context omitted.

Russia also have very good digital services. Now in one go government can send you conscription notification and immediately block your from leaving country as well as revoke driver license, block your banks and even phone numbers. Also since all the data available about you in one place any malicious actor who can bribe someone with access can immediately get all your data: passport info and tax id, addresses, work…

The judicial system is the one who is supposed to prevent abuses of power like this. What you are proposing is essentially security through obscurity, if the data is fragmented all over the place on different institutions it is really hard to be exploited in the government, but still totally can be. Confidential data can have better security checks and encryption layers so it is accessible only by the citizen itself…

> essentially security through obscurity

Not quite right. This is defense in depth. The judicial system is supposed to prevent abuses like this, but just in case, you also limit the ability of the government to track you.

> Confidential data can have better security checks and encryption layers so it is accessible only by the citizen itself or whoever the citizen grants access to

The countries that these discussions are about (the UK and RU, with the subtext of the US) have not demonstrated that their legislators are trustworthy enough to implement digital ID in a privacy-preserving. Unless and until that happens, then discussion of it is off the table. When you advocate for a thing being implemented, you are implicitly advocating for its current real-world implementations.

Re: UK Petition: Do not introduce Digital ID cards

#357

Earlier quoted context omitted.

Seems like a red-herring. Does a government need a digital ID to do that? Many do that with the "free market" of publicly-tradable information + pre-existing government IDs already used for certain things. I don't know for sure how much the UK government is purchasing all that, but there's a lot of cameras and tech tracking in the country already, like those of us across the pond also are watched with. It won't rever…

Yes, governments do need a centralized common identity if they intend to build something like a social credit system. Those without adequate experience dealing with the US system, for instance, may assume that the government already has your info and thus such a system is redundant. However, this is simply not the case. US government systems are a hodgepodge of different systems built by different vendors, over diffe…

> Yes, governments do need a centralized common identity if they intend to build something like a social credit system. Those without adequate experience dealing with the US system, for instance, may assume that the government already has your info and thus such a system is redundant. However, this is simply not the case. US government systems are a hodgepodge of different systems built by different vendors, over different computing eras, many of which lack a primary key relationship with something like your social security number (the current “default” identifier). Many are plagued with duplicate records, data problems, and other issues that prevent easy correlation of records without human verification. Talk to some people in the IRS or Social Security and you’ll quickly get a sense of how many problems this can create! Maybe it’s improved since I last talked to people about it, but I doubt it.

IMO this is another non-sequitor.

Let's say you had a digital ID in the form of a smart card for your SSN with a USB connection that was required to be plugged in when you auth'd to a government website to file your taxes. No new number would be required for a digital ID card in the US. Tax return fraud to get people's refund sent to someone else, though? Probably down! Does everyone have an SSN? Who cares, let's improve things for the vast-majority case where we have an extremely insecure little piece of paper.

That smart card doesn't magically reconcile and rationalize the sprawling hodgepodge of government systems.

Or, let's go the other way: not having a digital ID card does not prevent the government from rationalizing and tying all those systems together.

You might look back to the recent past when the executive branch sending employees to all those disparate agencies to grab that data and make changes to those systems! They didn't need a new digital ID to do that, and they wouldn't need a new digital ID to improve the use of SSN-as-PK-for-cross-system-joins.

Being more rigorous about tracking the existing numbers already assigned to you does not require smarter, cryptographically-sound, identification tokens. And those tokens do not require the government improve their processes for connecting things *after the "give us your SSN for identification" of their various separate web-based services (or the non-government entities that also use those SSNs) that people love to abuse for fraud.

Nor does any of this make it easier or harder for the government to take "absence of evidence of identity or citizenship" as "evidence of absence of identity or citizenship" - if you fit the non-citizen profile, the burden's already on you to prove it, and what makes you so sure that the courts wouldn't happily let this or a future administration expand the boundaries for "we picked you up because we were suspicious, now YOU have to prove who you are if you ever want to get out" regardless of if a digital ID card exists?

Re: UK Petition: Do not introduce Digital ID cards

#358
post #191

Earlier quoted context omitted.

That's an argument for arresting and imprisoning a bunch of people for criminal damage, not an argument for proscribing an entire organisation and limiting their free speech. The argument here is not the PA should be let off scot free. The argument is that proscribing them as an organisation is a massive and authoritarian overreaction to their actions.

I should have included the quote I was responding to: "some of them did chuck some paint on some planes."

Is that inaccurate? Unless the goal was to strike terror into the hearts of some insurance companies, in what way does the scale of the damages affect whether this organisation should be proscribed? Should we be proscribing Bernie Madoff next?

Re: UK Petition: Do not introduce Digital ID cards

#359

Earlier quoted context omitted.

> To work legally currently you need an NI number More than this, employers are already required to verify right to work when they employ someone, either by physically seeing a passport or by means of an existing government system which allows them to verify visa status with an online "share code". They can be fined if they don't. There's zero reason to believe employers which currently ignore this requirement (and l…

Currently enforcement is expensive, because in order to prove that somebody is/isn't allowed to work, you need to first identify them. Without any way of identifying workers, how could the government make the case that a company is employing people illegally? Generally crime incidence is higher when chances of getting caught are low, so as long as the government cannot practically enforce these kinds of laws, employe…

The companies breaking the law aren't going to be putting employees through the current or next system.

Since the Tory gov you have to supply various ID to work in (legitimate) businesses or rent from (legitimate) land lords.

The only extra kind of enforcement this enables for these cases is demanding ID cards off people where they live or work.

Re: UK Petition: Do not introduce Digital ID cards

#360

Earlier quoted context omitted.

The judicial system is the one who is supposed to prevent abuses of power like this. What you are proposing is essentially security through obscurity, if the data is fragmented all over the place on different institutions it is really hard to be exploited in the government, but still totally can be. Confidential data can have better security checks and encryption layers so it is accessible only by the citizen itself…

> essentially security through obscurity Not quite right. This is defense in depth. The judicial system is supposed to prevent abuses like this, but just in case, you also limit the ability of the government to track you. > Confidential data can have better security checks and encryption layers so it is accessible only by the citizen itself or whoever the citizen grants access to The countries that these discussions…

> Not quite right. This is defense in depth. The judicial system is supposed to prevent abuses like this, but just in case, you also limit the ability of the government to track you.

My point was the government can still totally track you as an individual, the data is just fragmented all over the place. But if you are high profile the government can totally put some investigator to track down everything.

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