Yeah, true. I mostly used it for 2 things, some form of buyer’s protection and this pay later with no interest.

I think we can’t demonize one part of the system without talking about the other. Credit history has to be maintained incase we want to buy basic things like housing or cars cuz otherwise they are too expensive.

And cash isn’t a viable option due to initiatives like digital euro. Iirc, from next year we can’t buy anything above 3k with cash (there will be some kyc involved) and above 20k is just not allowed.

This law in particular creates reasonable grounds for these companies to collect data about our income and expenditure for eventually implementing dynamic pricing. And I wonder, was there no other way to implement this without sharing our financial data?

Just to add a bit, schufa is also asked by landlords before they rent apartments so this “pay later in 30 days” was an easy way to improve your score

Im not sure if this will disincentivize enough people or not. But for sure, this will create reasonable ground to collect our monthly expenditure and income data to eventually use in dynamic pricing

Yes as soon as the invisible hand finishes jerking off billionaires, it will get to reducing prices for us

Hmm, thats a good point.

Not sure why nobody here recommended netbird reverse proxies. It has crowdsec out of the box plus blocking/allowing ip ranges. On top of it, it also support pin or password based auth, so you can have 2 layers of auth.

But i haven’t hosted jellyfin yet, only opencloud and a couple others. Haven’t seen anybody pwning it based on the logs

I think Bene Gesserits could choose the gender of the baby (film cannon, haven’t read the books unfortunately) but yes, they have to get the “seed” from someone