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Joined 2 years ago
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Cake day: June 14th, 2023

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  • While there’s some far-end “let’s eliminate cash” sentiments, a lot of the selling point of a CBDC is simply faster, cheaper settlement than current private platforms, so there’s a nonmalovent position.

    Many central banks are pushing for the CBDC as a commercial or interbank-only thing in large part because if end consumers could just have an CBDC demand account with the Federal Reserve/Bank of England/ECB, it would squeeze out commercial banks.





  • I’m surprised there isn’t more of a crowdsourced solution-- community maintained block/allow lists and pluggable tools.

    Part of the reason filters suck right now is that they’re sold to turboprudes and people pushing compliance solutions that will placate litigious turboprudes. So you get blocking all of Wikipedia and .edu/.gov because three pages have an anatomical diagram of a breast. The kids are frustrated, normal parents have to keep unblocking legit stuff, and nobody wins.

    If you could pick from easily managed lists sponsored by groups you personally trusted, with responsive appeals systems, people might be more willing to use them.

    The ad-blocker ecosystem has a lot of precedent for how to work this stuff.



  • IMO, the real use case for PayPal was really on the seller side.

    When it was 2002 and you weren’t a major business but just wanted to sell three old CDs on eBay or offer dog haberdashery online, it was by far the simplest way to accept a credit-card funded transaction.

    We’re still not a lot better there in 2025. Even with more modern platforms, you can’t really get from zero to accepting cards directly in 15 minutes.














  • I ordered a large keyboard enclosure from JLCPCB’s 3D-printing division recently. The tarriffs were like $48 on top of $45 postage and a $80 actual-goods price.

    When I fed the job into Craftcloud (probably not the cheapest but a quick way to read the market) trying to get a US-based supplier would have been like $800.

    They can’t tarrif these industries back on shore. At least not in any sort of useful timescale.

    But the most frustrating part is just the ever-changing aspect. If they said it was a specific amount eith a clear timetable, merchants could at least build prepayment and accurate prices into their checkout flows. Now there’s the risk that whatever amount you paid 2 weeks ago is wrong, and the couriers seem to be responsible for collection, who love to turn that into an excuse to add penalty fees and hold parcels hostage.