We've always wanted to build a service which provides authentication through credit score verification. Whether its applied to dating apps, product review sites, HN. I'd sure love to filter by 650+ only. I'm certain it's illegal but it sure would help.
What happens if someone had no debt, and thus no score? Lenders see this as a negative (to drive more business), but is likely a positive sign, as it means they live within their means and can get their bills paid without leaning on debt.
I wasn't suggesting that people wouldn't be allowed to participate without a score, (which I think everyone has a score regardless of no debt?). I was suggesting that login / auth takes place by credit score verification. This would solve a couple problems. First, and most important, we know it's a real person commenting / participating. Second, systems could be designed to filter by score. For instance, if I'm researching products on reddit, I'd sure love to know A. it's a real person, and B. to filter by some score threshold. I'd wager people with higher scores have less incentive to get paid to shill some product online.
Anyways, from the little research I've done, it's certainly illegal and not a proper mechanism for authentication. One can dream though :)
While it's commendable, the reality is they should have already "figured out" how to play the system and just farmed the reward points from credit cards and immediately pay them off without incurring any interest.
You get a good credit score and still live within your means while also getting additional points + bank covering any fraudulent activity if the card got stolen.
Of course this method probably won't work for people that feel they would rather just cut themselves off from temptation fully or those without access to banking systems, which I sympathise with.
> the reality is they should have already "figured out" how to play the system and just farmed the reward points from credit cards and immediately pay them off without incurring any interest.
I did this for a while after being bitten a couple times for not having a credit history.
However, I recently stopped. I still keep one card around and active just to maintain my score… just in case. However, spending $10k for $200 in rewards… I don’t really care. That’s mostly a tool to get people to justify more spending.
I’ve quite liked using the debit card and seeing the number go down when I spend, it makes more sense intuitively, and I always know exactly what I have. I had a debit card stolen about 20 years ago; I was able to get the charges reversed, no different from a credit card in my experience. It’s on the Visa network.
I would cancel my last credit card, but I don’t want to deal with cell phone deposits and other nonsense, like I had to in the past.
The rest of the world thank you for not including us. Also, this leads to the dystopian way where you loose all your access based on someone stealing your details and you have no way of fighting it off.
Hell yes! Not just a social credit score, but one that permanently locks in/enforces a class system. Tech bros even manage to enshittify social credit scores to be even more shitty. Amazing work.
If you wait around long enough you’ll also start hearing them complain about China’s Totally Different Credit Score System that is only for social control, unlike the American system which is obviously just good business sense and doesn’t exert any control into seemingly unrelated portions of your life
how do you test for allergens? i did 5 years of immunotherapy shots, twice weekly at a doctors office and i had to stay 30 minutes after each shot for the anaphylaxis risk. it worked quite well but it was really inconvenient.
my allergy is triggered by dust mites and pollen. Not sure what the anit-mites component is in a healthy sinus cavity, but i'm sure I'm missing it. I think essentially the equivalent of wax in our ear canal. As for pollen, go figure on that one, boost my testosterone levels? I don't know.
There is a Swiss restoration youtube channel, my mechanics, that's restoring a 1973 Datsun 240Z. It's quite a project and worth watching if you're into that sort of thing. He's incredibly talented and loads of other restoration projects that are super interesting. Easily my favorite youtube channel!
My dad had a 240Z, finally sold it off a few years ago. He had a hard time keeping that car running, always something wrong with it. Guy who bought it lives near me and he fully rebuilt it. Ran into him a few months ago, said it's still a work in progress.
Yeah, with cars of that age, you either become a part-time car mechanic or you get rid of them. The upside is of course that with cars from the eighties and before, you still can repair most of the things yourself...
Physically exhausting yourself isnt a solution. Its tangential to the real issue. Its a bit like suggesting you can solve anxiety caused by trauma by drinking large amounts of alcohol everyday. No, instead we should be treating trauma. Its like putting autistic kids through rough ABA therapy, no instead we should finding accommodations and support for autistic people.
People have natural sleep rhythms. Society should conform to that, instead capitalism demands we conform to what it deems profit maximizing.
I agree with you. I regularly have strong insomnia and I have tried physical exhaustion.
It usually works for the first few days of doing it but then it's like my body (probably moreso my mind) gets used to it and it doesn't help with sleep anymore.
Arguably it feels even more unhealthy because it's like my body is fully exhausted and tired but my mind won't let me sleep so no restoration can happen.
Not physically exhausting yourself is the real issue. It's our natural state as humans. We're not meant to be staring at screens having discussions about chronic sleep deprivation on an internet forum, we're meant to be outside moving our bodies.
I use cursor daily, my business partner uses CC. Without a doubt, CC is certainly better, I'm just not willing to let go of the flow I spent the last year fine tuning. I'll probably make the leap after we finish the latest release.
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