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I find that I agree with you across the board, but one footnote on my annoyance with the current state of affairs:
I feel like these online services already do this. They advertise, but they close with a line about gambling addiction. Everyone is simultaneously bombarded with advertisements for gambling and admonishments about how you need to be really careful. To me, this feels like the worst of both worlds, where we legalized something that's apparently quite destructive for quite a few people, but with the caveat that everyone has to be antagonized about how dangerous it is. I bet $2 on Josh Allen to score a rushing touchdown because I think it's fun. Leave me alone. Stop telling me over and over and over that I'd better watch out about how addictive it is. Either let people ruin their lives or don't, but don't do this stupid in between thing where we all acknowledge that it's ruining lives and therefore everyone needs to hear about that.
Overall, I guess I just increasingly believe that the typical person should pretty much not be extended credit on much of anything. They just don't seem to be able to conceptualize how credit lines work, what interest is, and so on.
For me, it is fine. I can gamble once a week a couple of dollars and it is fun without causing me any harm.
But I can’t help but note the business doesn’t really run on people like me. I don’t make the house enough money. It is dependent on the whales. Those guys lose a ton of money. I the business is unseemly.
Yep. I have a reflexive dislike for ANY business model that is entirely reliant on a small number of customers spending 10-100x of the average to stay profitable.
Has at least something to do with me being EXTREMELY sensitive to attempts to hack my psyche, which is the hallmark of such places. Oh, your game is "free to play?" Pardon me if I don't want to spend mental effort resisting the 1001 ways your game is constantly trying to convince me that spending in-game money is more important than food.
On the other hand, when I play such games I do not feel having to expend any particular mental effort to resist shelling out cash, any more than I feel compelled to take any Nigerian princes up on their offers. If you're not in the susceptible target audience, those games really are free.
But it kind of feels like free riding off of people who are destroying themselves.
'Zactly. On the one hand I don't mind free-riding by, say, using ad-blocker on sites where I was never going to click the ads anyway.
On the other, I really don't like to think that I am getting something for free because somebody else is vastly overpaying relative to the value they're getting. It is easy to imagine they're some rich loner who has endless spare cash, but it is still a predatory model. Also, in game settings, the 'free' players are arguably there just to be easy opponents for the overpowered paid whales. Not really a fan of playing the role of disposable mook so some other guy can live out his power fantasy.
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I think those disclaimers are a fig leaf in this case. At best.
Its like having people sign a waiver that they understand "Gravity is a powerful force that pulls you downward" before you enter the pit zone. I don't think psychological "nudges" are actually a real thing, honestly.
To me, a 'guardrail' is something that physically prevents you from falling in. Unless you climb over it. In this case that may be something like a restriction on your bank account that prevents you from depositing money into an app or withdrawing cash at a Casino after a certain period of time or above a certain amount.
There's a (strong) case that banks shouldn't be peeking over their clients' shoulders and judging what they use money on, so I'm really trying to think of ways to put something TANGIBLE in place that might allow someone to slide right up to the point of absolute ruin, but stop at the edge and have a chance to retreat, or at least think over the implications before jumping in.
And of course, degenerate gamblers will just borrow money from 'friends' or loan sharks if their bank cuts them off, so there are no 'foolproof' solutions.
Here's an example: if an elderly customer suddenly tries to withdraw a large sum of money, the system pauses the transaction and directs the teller to arrange an interview with a security officer that ensures the customer is not being scammed by someone impersonating their grandchild in sudden financial trouble.
Is this kind of meddling permissible?
Another example: if a customer suddenly tries to transfer a large amount to an account that doesn't belong to them, the system pauses the transaction and directs the customer to upload a document that explains the purpose of the transaction.
Is this kind of meddling permissible?
Finally, if a customer tries to transfer more than X to online gambling companies this month, the system pauses the transaction and suggests the customer sets up a monthly gambling limit.
I don't think this kind of meddling is more bothersome than the previous ones.
I personally would like to get rid of the two examples you mentioned as well. The kind of big brother monitoring banks do is obnoxious as hell and I'm not convinced it is an overall value-add for society.
That's because your parents haven't yet deposited their life savings into a "secure account" because a helpful "FBI agent" told them to.
It turns out that I do not hold opinions on policy based on whether or not the negative consequences of said policies personally impact me or those I love.
But why?
Because I'm not a hypocrite? I don't really think it needs a justification to be willing to apply rules consistently, or to be willing to suffer the negative consequences of a rule because you believe it's a good rule overall.
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No, and making it so is likely to result in a wave of exit from banks and into cash-stuffed mattresses.
Depends on what you mean. Such transfers may be interrupted by fraud detection and the customer might have to prove his bona fides (which is annoying enough) but having to write an essay explaining to one's bank why you're spending your own money isn't really acceptable.
It’s pretty common and most people don’t keep Benjamins under their mattress.
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It's standard procedure in Europe. It actually saved me money when someone managed to clone my wife's card.
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