activistPnk

joined 1 year ago
[–] activistPnk@slrpnk.net 1 points 2 weeks ago

Indeed I’ve seen basic checking accounts with no interest. Then the more feature-rich accounts which offer a number of perks at either a higher fee or higher requirements to offset the fee also include interest. That’s really backwards because an anti-feature is being bundled in. By giving up interest the client should get more features, not less.

[–] activistPnk@slrpnk.net 1 points 2 weeks ago* (last edited 2 weeks ago) (1 children)

fees - either no fees, or fees are really easy to avoid

Try getting out of the paper statement fee at a CU. That’s an important one because when the enshitification of their tech crosses your threshold of tolerance, it’s important to have agency to instantly go back to analog. Having that power also creates pressure on them to not enshitify their tech in the first place.

Gratis paper statements seem much less common at CUs than commercial banks.

Also regarding fees: very hard to find CUs that give a zero FX fee when pulling cash from a foreign ATM. IIRC, there is only one CU in the US (Penfed?) that has fee-free foreign currency.

Chase is okay if you can reliably avoid fees

Unless you consider ethics. Chase is one of the worst.

You should never pay for a bank account, that’s just dumb.

I used to think that. But in my boycott on free technofeudal pushers (Facebook, Google, Amazon, etc) I’ve evolved to prioritize privacy (and thus control) over non-transparent exploitation of my data. Have you thought about why your billpay service is free? It’s outsourced, so the billpay service has to make money somehow. Of course they are selling your data. Google and Amazon want to know about people’s offline purchases so they know whether it traces to an online ad.

[–] activistPnk@slrpnk.net 2 points 2 weeks ago

I also learned the hard way that Credit Unions are exempt from this

Wow.. there’s a gem of knowledge for sure.

[–] activistPnk@slrpnk.net 0 points 2 weeks ago* (last edited 2 weeks ago) (2 children)

I don’t get why folks even care about interest rates when they are so negligably low anyway. When interest rates are ≤1%, I would rather get zero interest just to silence the excessive reporting, like a 1099-int for a couple dollars which serves as a kind of heartbeat signal for where your assets are kept and then having to pay your accountant to declare it. Not worth it. I would rather see the 1% go to a good cause, if not toward just improving the banking service.

[–] activistPnk@slrpnk.net 2 points 2 weeks ago* (last edited 2 weeks ago)

I’m done with credit unions. They just create the illusion of a small org but then farm you out to big companies via outsourcing anyway.

  • Most credit unions have outsourced just about every aspect of their business. They are like shell companies all working as many different façades to the same giant corporations. CUs in-house expertise doesn’t go far beyond their branding and marketing. Your sensitive financial info gets shared around with a handful of giant corporations while giving the illusion that you have the privacy benefits of a small CU.
    • billpay outsourced to 1 or 2 different billpay services nationwide
    • monthly statement generation: outsourced to the same few corps
    • statement printing: outsourced, then they charge you for it
  • Credit unions spam the shit out of whatever email address you supply, thus enabling all entities handling the email to see where you bank each time the CU decides to spam you. Commercial banks are better on this in my experience. I think commercial banks have calculated that spam just angers people and drives them off, whereas credit unions are either not diligent enough to make that calculation or they are assuming their small org appearance will go a long way in obtaining forgiveness.
  • Most credit unions have put their website on Cloudflare in the past few years. Which means:
    • Consumers are generally forced to expose their account credentials to a privacy-abusing tech giant (while agreeing to be accountable for damage stemming from credential leakage)
    • Consumers are generally forced to expose to their credit union their approximate physical location every single time they connect to the website as a consequence of Cloudflare. Which means if they move outside of the CUs service area some CUs will notice that and even freeze/lock the account. They tend to admit directly in their privacy policy that they collect IP addresses specifically for geolocation tracking of their customers.
    • Consumers are generally forced to expose to their ISP where they bank as a consequence of Cloudflare. And considering Trump overturned an Obama policy that required ISPs to obtain consent for collecting and selling customer personal data, there is nothing to stop your ISP from selling info about where you bank to data brokers and debt collectors. Biden did not reverse Trump’s privacy sabotage.
    • Cloudflare can at any moment decide to block you for any reason arbitrarily, and suddenly your web access to your money is gone.
    • Consumers who are behind CGNAT outside of their control are often blocked by Cloudflare. If a snot-nose script kiddie in your CGNAT pool decides to scrape some websites, CF’s excessive protectionism might kick in and block the IP which could go to you next, and you lose access to your money because CF overreacted to a harmless snotnose kid.

Being free from Cloudflare sometimes means you can login over Tor and avoid most of the problems above. OTOH many commercial banks also block Tor increasingly more frequently lately (because they also want to track your physical whereabouts). There may be some Cloudflare-free CUs that still permit Tor logins though it’s becoming harder to find them.

Gratis paper statements are important more than you realise:

If you cannot find a bank or CU that gives you the privacy of Tor, the best feature to look for is gratis paper statements and paper checks so you can scrap the website and take back your privacy. It’s more common to find gratis paper statements from banks than CUs. As enshitification of the web proliferates and more FIs join Cloudflare, gratis paper statements is an important safety net so you can ditch their tech the moment it goes sour.

Regarding apps:

Credit unions do not write their own software. You have just a few closed-source Google Playstore banking app makers who all the credit unions outsource to. Whereas every commercial bank reinvents the wheel with their own implementation. For me it’s a shitshow no matter what. I am not going to enter Google Playstore and tell Google where I bank and let Google track exactly which software version I have which also reveals what vulns I inherit, to then run a closed-source app that snoops on me in countless unknown ways. Fuck all that.

 

Two Cloudflare-free tor-reachable articles:

Australia gives millions of workers 'right to disconnect'
Australia gives workers right to ignore bosses’ after-hours calls, emails

Those links are also popup-free (at least in my config). But note that ② is a little more junked up and has some video (but my image and autoplay blocking config seems to work).

The wording of the new law sounds flimsy.. leaves it to employers to define whether an interruption is “reasonable”. But nonetheless it’s a step in the right direction.

[–] activistPnk@slrpnk.net 1 points 1 month ago* (last edited 1 month ago)

The nationwide fuckup in the US is zoning rules that block commercial venues from residential regions, which means people cannot step outside their front door and get groceries in a 1 block walk. People are forced to travel unwalkable distances to reach anything, like food and employment. Which puts everyone in a car. Which means huge amounts of space is needed for wide roads and extensive car parking, generally big asphalt lots, which exacerbates the problem because even more space is wasted which requires everything to be spread out even more, putting resources out of the reach of cyclists. Making the city mostly concrete and asphalt also means water draining problems where less of it makes it into the soil and groundwater, and it means the city temp is higher because of less evaporative cooling from the land mass (Arizona in particular).

This foolishness is all done for pleasant window views, so everyone can have a view of neighbors gardens instead of a shop front.

Europe demonstrates smarter zoning, where you often have a shop on the ground level and housing above it. You don’t need a car because everything is in walking or cycling distance. But you more likely have an unpleasant view.

[–] activistPnk@slrpnk.net 2 points 1 month ago* (last edited 1 month ago) (2 children)

Subways are pretty much exclusively built in the cities

Not just any city. Dense cities. Cities that are so densely populated that it would be /impossible/ for every person to move around in a car. Countless US cities are not even close to crossing that threshold. It just makes no sense to look at nationwide per capita on this. Only a city by city comparison of like with like population density is sensible.

(edit)
There is a baby elephant in the room that needs mention: US cities are designed with shitty zoning plans. They are designed so that each person on avg needs to travel more distance per commute to accomplish the same tasks (work and groceries). This heightens the congestion per capita. So ideally we would calculate daily net commute distance needed per capita plotted against subway track per capita for cities of comparable people per m². Which would embarrass US city mayors even more.

[–] activistPnk@slrpnk.net 11 points 1 month ago* (last edited 1 month ago) (9 children)

From the article:

See the U.S. flatlining in transit miles per capita

A devil’s advocate would rightfully argue that that’s expected given the much lower average population density of the US -- the same factor that made it a struggle to get broadband Internet to everyone in the US. Bizarre to use a nationwide per capita as a basis for mass transit comparisons. It should be a city-by-city comparison that groups cities by comparable population density. US cities would likely still come out behind and embarrassed, but more accurately so.

Consider the marketing angle -- instead of saying “the US is losing” (which diffuses responsibility and makes plenty of room for finger-pointing), instead say “@conditional_soup@lemm.ee’s city lost its ass in the bi-annual city infra competency competition”. Then that mayor has some direct embarrassment to pressure action.

[–] activistPnk@slrpnk.net 1 points 1 month ago

fwiw, here is an emacs version:

https://codeberg.org/martianh/lem.el#headline-11

I think what would be most useful would be a usenet→lemmy gateway, so that rich catalog of usenet clients can be leveraged on Lemmy.

[–] activistPnk@slrpnk.net 1 points 1 month ago

I get rid of them pretty quickly by saying I have no bank account. I might start adding to that “take cryptocurrency?” so they leave with the idea that maybe they should be open to cryptocurrency.

[–] activistPnk@slrpnk.net 1 points 1 month ago* (last edited 1 month ago)

@youmaynotknow is spot on. But consider this a very basic primer on just a small fraction of privacy abuse by banks:

So there’s 22 privacy abuses by banks to get you started. And that just barely scratches the surface.

You can somewhat ignore paragraphs 15 and 23 in terms of privacy. OTOH privacy is hand-in-hand with control and paragraphs 15 & 23 reflect control being in the wrong hands.

[–] activistPnk@slrpnk.net 1 points 1 month ago

Banks abuse our privacy in countless ways. This could fill a book. This policy amounts to forced banking. I boycott banks. Banks have us by the balls and they abuse that power. A bank recently told me (in effect) to fuck off if I don’t have a mobile phone number to give them.

 

I just discovered it’s possible to edit the last msg that was sent over XMPP.

Dino


Has the capability. But it does not give you a record of past versions. It would be useful if Dino would still show you your past versions because you cannot know if the other party saw the uncorrected version. So you should have a record of those erroneous payloads.

Profanity


Has the capability. But it cannot correct a msg that you composed in another client. That may be a protocol limitation. Maybe they don’t want the complexity of having edited versions signed by a different key.

Strangely, Profanity only updates the display if an inbound correction (e.g. from Dino) is minor. Dramatic edits in Dino seem to be ignored by Profanity. Also strange that when Profanity accepts an inbound update from Dino, the existing msg text is updated. One might expect text in a TUI to not be altered in place. It’s an IRC-like interface.

Snikket


Does not have the capability of making corrections. But it fully accepts inbound alterations no matter how dramatic the change is.

 

Had a quick look at Poezio and Libervia while I’ve been using Profanity for a couple years now.

Libervia


  • OMEMO is integrated. OMEMO is important enough that it should be a highlighted feature when looking at the pkg description (apt show libervia-backend) not something we dig for.
  • It tries to be everything, like having games. That broad focus is a bit worrying because so many comms apps screw up at just exchanging e2ee messages that you really don’t want other things competing for maintenance effort. But OTOH it could be quite useful that the backend can interface with a mail client like mutt. And has an activitypub gateway which could have some interesting obscure uses.
  • Docs are in a quite bad state. Man page references broken URLs and the websites that are up point to other broken links. The page with content is https://goffi.org/ and it’s got some bizarre problem where it tries to refresh the screen every few seconds. Really hard to read when it keeps refreshing. /usr/share/docs/libervia-* is also useless. References to broken URLs there too as well as mentions of non-existent files. Docs say to run the daemon you need to execute eval [tic]dbus-launch --sh-syntax[tic], which is baffling as it does not actually refer to the libervia backend. There must be more to it than that.
  • Man page makes no mention of a proxy option.
  • It’s a good design to have a backend and different frontends that can connect to it, generally, but the lack of proxy option complicates that. If the backend has to run on torsocks, will the frontends be able to connect to it locally?

Poezio


  • Well packaged and documented. /usr/share/docs includes an HTML tree of well presented docs. Really seems well organised.
  • Bit alarming and unconventional that when you launch it that it automatically connects to servers even if you never supply a server to connect to. Security feels like an after-thought. I had to run it in a firejail sandbox first just to make sure it generated the config file that I could modify before putting it to use. Docs say the connection it tries to make is “anonymous”, but they use that term overly loosely. There is no mention of Tor. I want to be in control of what connections are made and it’s a bit off that a sandbox is needed to force it to run offline.
  • There is no proxy config option. So unless it looks at undocumented env vars, it should be run on Torsocks.
  • OMEMO is not built-in. There is a separate OMEMO plugin out in the wild, not packaged on Debian. That’s not ideal for Debian users because we have to wonder what quality standards did the plugin not satisfy, and the fact that upgrades can break part of the pkg when only part of the tool chain is in the official repos.

So I think these two apps need to evolve more. Profanity has issues but it seems I’m better off trying to struggle through those.

PGP email in the 1990s was so much more reliable and usable. It’s bizarre how in 2024 e2ee comms have become such a shit show. Most people are using tech giants and not encrypting, which is exactly what the tech giants want. I will not, so I’m out of reach to most people. I won’t touch Signal either because that’s garbage. Maybe Delta chat is worth a look since it claims to do PGP over email in a way that normies can deal with.

9
submitted 4 months ago* (last edited 4 months ago) by activistPnk@slrpnk.net to c/xmpp@slrpnk.net
 

“Profanity” is an XMPP app. (For those who got the wrong idea about the title)

What I use:

  • Debian with Profanity (preferred for the proper keyboard and TUI)
  • Android with Snikket

What my low-tech comrades use:

  • iOS with Snikket

It’s a bit of a disaster. One iOS-Snikket user gets my msgs but never a notification. Another iOS-Snikket user is plagued with that error msg (some bogus msg about OMEMO being unsupported). My comrades are at the edge of sanity since I’m the one who imposed xmpp+omemo on them, and they have little tolerance for all the problems.

I’m not sure what to try next. I would hate to replace Profanity because it’s the only decent text based option with official debian support. Would it help if the iOS users switch from Snikket to Monocles?

 

There are now two BifL communities in the free decentralized world:

Perhaps each wants to mention the other in the sidebar?

 

Most people are unwilling to change their lifestyle significantly in the face of climate catastrophe. In particular:

  • refusal to alter their diet
  • refusal to ditch their car

Even the idea of simply stopping livestock subsidies is fiercely fought because people would still consider an absence of intervention to be lifestyle intereference. People are hostile toward the idea of changing their commuting and teleworking habits. In the democratic stronghold in California, even democrats voted out a democrat who tried to impose a fuel tax because they are resistant to giving up their car. Examples are endless.

the dominant excuse→ “carbon footprint is a BP invention”

The high-level abstract principle that underpins resistance to taking individual actions is the idea that because the “carbon footprint” was coined by BP in an effort to shift blame, people think (irrationally) that the wise counter move is to not take individual action. Of course this broken logic gives the oil companies exactly what they want: inaction. This has become the dominant excuse people use for not changing their lifestyle.

psilocybin

The deep psychology surrounding the problem is cognitive rigidity-- unwillingness of people to adjust their lifestyles. So how do you make people more open-minded and increase their psychological flexibility? One mechanism is psilocybin, which has been shown induce neuroplasticity and free people from stubborn thinking. It’s a long article but the relevant bit is this:

(click to expand)The effects of mindfulness training and psychedelic intervention on psychological flexibility

Mindfulness practices encourage individuals to respond to all kinds of experiences, whether positive or negative, without judgment and with openness which fosters psychological flexibility [90]. This acceptance aligns with psychological flexibility's core components, enabling individuals to act by their values even in the presence of challenging emotions [79, [91]. Psychedelics, on the other hand, can lead to profound insights into personal values, and in this way enhance psychological flexibility [92].

Both methods encourage individuals to embrace uncertainty and change, a fundamental aspect of psychological flexibility. Psychological flexibility involves moving beyond limitations imposed by thoughts and emotions. Mindfulness training teaches individuals to observe their thoughts without attachment, reducing cognitive rigidity. Psychedelics often induce experiences that challenge pre-existing beliefs, allowing individuals to transcend the constraining influence of self-concepts and through this way promote adaptability and open-mindedness [3, 38]. Both offer avenues to increased psychological flexibility by fostering acceptance, values alignment, embracing uncertainty, and challenging ego boundaries. Integrating mindfulness skills and psychedelic insights holds promise for sustained psychological flexibility by facilitating a balanced response to internal and external stimuli, and adaptive responses to life's challenges [93].


Other studies have shown increased neuroplasticity through meditation. In any case, we could use a less stubborn population.

Not just for climate, but consider the pandemic where conservatives (by definition the champions of stubbornness) refused to make even the slightest lifestyle change and fought every act of remediation. A population with a higher degree of psychological flexibility would be better to react to changes of any kind.

 

Asking the gov to proactively shrink or limit animal products is a non-starter because there are just too many (voting) consumers who would be outraged. It would be political suicide. Same for cars. Forcing car owners out of cars would be political suicide as well.

But what I find baffling is there seems to be no chatter about the fact that the US gov gives (millions?) in subsidies to livestock farmers. And Europe gives tax breaks for “commercial” cars (mischaracterized personal cars). If the gov were to end the subsidies, there could be no reasonable complaint that the gov is interfering. Because in fact the gov would be ending their intervention.

 

I have noticed that some posts on some Lemmy instances created by others have successfully made use of the details/summary tags which gives an arrow that expands.

When I tried it here, the tags are just literally printed. Am I doing something wrong (i.e. stupid user error), or is this functionality instance or version dependent?

 

cross-posted from: https://slrpnk.net/post/4160051

There are several DiY communities in the fedi but if we ignore the big centralized instances, there is:

Perhaps each would consider mentioning the other sister community in the sidebar?

43
submitted 10 months ago* (last edited 10 months ago) by activistPnk@slrpnk.net to c/climate@slrpnk.net
 

cross-posted from: https://slrpnk.net/post/4118072

Consumerism is part of the climate problem and perhaps more so a waste disposal problem. Consumerism probably cannot be stopped but it can be reduced. It’s disturbing in the current climate that #BlackFriday still exists. To encourage the kick-off of mass consumption a month before Christmas likely does a lot damage.

I suppose cancelling Black Friday would be impossible in the US (where I suspect it started). A large number of democrats would oppose it and probably every single republican in the US would fight to their death an anti-consumerism action like that.

But what about Europe? Doesn’t Belgium and Netherlands restrict store-wide sales to just two weeks or so out of the year? For Europe, perhaps instead of cancelling it (which many would view as over-interventionist) they could double the VAT rates on that day on clothes and electronics. IDK.. that’s probably crazy talk. Ideas welcome. There’s no real issue with sales on services, but consumption of goods is where the damage is done.

I hate the idea that one of the most environmentally reckless companies in the world (#Amazon) gets a huge boost in sales on Black Friday. It makes the day depressing to see the masses rush to enrich a company they should be boycotting all year. I loved Black Friday back in the days when I was a loose cannon consumerist myself. Now it’s just a shit day where I deliberately avoid shops in order to not support it.

UPDATE

To be clear, I would not propose cancelling the unofficial holiday US employers often give on Black Friday. Just the sales.

 

A new bike has been recently introduced which is designed with the goals of products in the 1960s-- rugged, simple, built to last. Nothing is flimsy on this bike. Even the fenders and sprockets are thick. The design focus was two main goals: robustness and simplicity so owners can fix it themselves. The gears are internal, which seems to reflect ruggedness being prioritized over self-repairability. Derailers are inherently fragile and cassettes wear down relatively quickly and also would impose a thin chain. The internal gears enable the chain to be thick and wide.

The website is in French but I machine-translated the “about” section:

A Bruxellois, magnet to travel by bicycle in town, activist in several environmental associations and working in the design and manufacture of cycles since 2014, established the SUGG srl in 2021 to provide simple, solid, practical, fast, fun, designed and assembled bicycles in Brussels with high quality components often produced in Europe.

The SUGG bikes are aimed at young people from 9 to 99 years of age who wish to move by bike without assistance and prefer to exploit the powerful resources often ignored whose nature has given them. Indeed, with no electric assistance, SUGG bikes are more economical, light, ecological, simple, reliable, durable and fun. At SUGG, the efficiency and ascent qualities of the bike are optimized by the choice of geometry and components. It's fun!

A few objectives of SUGG: to contribute to the improvement of life in our cities thanks to less air and noise pollution, calm and friendly streets, intelligent and respectful traffic, efficient, beautiful and funny movements; to participate in the fight against unemployment in our regions, on the one hand by repatriating the design and assembly in us and on the other hand by procuring the parts with manufacturers not too far away from us

I don’t have one myself but if I wanted a bomb-proof bike that would last my whole life, this is probably what I would get.

 

Sometimes I report a bug & the dev starts off asking for more details. But then there’s a kind of scope of effort creep where you start to realize you’re being tricked into finding where in the code the problem is so you can fix the bug.

It’s a bit of social engineering of sorts. When I post a bug, I do that from the back seat of the car. And it’s like the dev sits in the backseat as well while coercing me into the front seat. So sometimes there’s a bit of weasel words and nuances with sneaky wording that needs to be deployed in order to stay in the backseat while trying to get the dev into the front seat where they belong!

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