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Joined 1 year ago
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Cake day: July 2nd, 2023

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  • In the EU and UK, heavy regulation, especially of Visa and MasterCard, means the fees are actually lower than the costs of handling cash. Lots of businesses want only card transactions because it works out better for them and most people don’t carry any cash so that need to offer card payments, and so it makes even less sense to offer both methods. The only industries who like cash are likely trying some form of tax evasion.

    Cleverly, they banned businesses from charging any payment fees and suddenly, businesses negotiated and found suppliers offering low payment fees. We don’t have anything like these convenience fees for paying with cards over cheque that I hear about.

    Amex still charges higher fees so many places still don’t take those cards. The value of benefits (air miles, cashback) have gone down significantly but in reality, it was essentially transferring wealth from the poor (who could never get these cards) to the rich, through these fees, so works out better overall.

    The banks here advertise that they help everyone get bank accounts and social benefits are paid into bank accounts so I assume everyone is able to get an account. However, I do wonder if some people, especially the homeless, slip through the cracks.



  • I like the Mii TV 4k sticks. They run android tv and have the usual apps, or you can install your own launcher, apps (look into stremio!) and everything through downloader or adb. Then you can disable the bloatware through adb, theres a few lists online if you search. With a launcher manager app, mine loads straight to productivity launcher (I also like flauncher).

    Do not try a firestick, theyre heavily locked down now.

    I then just deleted the network on my smart tv so it can’t send anything. Along with my pihole, hopefully theres no telemetry getting out, although not checked it. Its impossible to find good TVs that aren’t smart anymore unfortunately, the data selling either subsidises the costs pricing out dumb TV’s, or more likely they make so much from the data selling that they only sell those.