Ppl say this with such conviction but what about your bank website? What if it becomes industry standard and you have no other options? Just going to keep all your money in cash?
I have never seen a captcha (much less a third-party service one) on my bank website. And the day I do is the day I walk into a branch and demand all my accounts be closed on the spot so I can take my business somewhere else. I understand the fear, but if the fear comes true, then this is a hill worth dying on. Be prepared to fight. We have to fight.
I just got a letter regarding my FED tax return. They won’t send me a paper check due to an executive order signed by orange hitler. I absolutely do not want the federal government to have access to my bank data considering all the other rights violated along with the constitution. I now have to open a new checking account with $50 so I can get my shitty $50 refund without trump having access to my main account. (What’s to keep them from labeling me a terrorist and freezing my accounts? Gonna make that shit as hard as possible.)
There’s some pretty obvious middle ground before making a deposit to the First National Bank of My Mattress. You could find a different bank that doesn’t use those captchas, or even do all your banking in person.
I have a hard time believing all banks, including local credit unions, will simultaneously adopt this tech. And if they all do, maybe will I have to consider cash after all. But in the meantime, I’ll switch to a banking solution that doesn’t.
Probably SMS or in-app 2FA. That’s what annoys me about banks: they claim to do things for security – which in their case it makes sense because they don’t need to harvest data to make money – but then go ahead and roll their own instead of using standards.
I refuse to have a phone line. I only get one for a month when I’m looking for a job. Got tired of paying a subscription fee just to get spam calls. All my communication is done through messaging apps and the only time I don’t have access to wifi is when I’m driving.
That still requires getting personal information about the user, which is often enough without 2FA. 2FA still makes it more secure than not having it. It’s still a vulnerable step though, so users should be aware of that.
Just a heads up, you can get a free phone number from Google, and probably other providers. If you’ve got a computer of some kind and an internet connection, you can make calls and texts from there. If that’s all you’re getting a phone for, don’t bother with the actual device.
I don’t know about Google’s “free” numbers, but third-party VOIP numbers are usually blocked for 2FA verification. I’ve tried that. Most places won’t accept it, because they know you’re trying to get around the tracking. The 2FA isn’t the point, and the cost of the phone isn’t the point, the tracking is the point, and Google’s “free” numbers are absolutely tracking you just as effectively as any telecom is.
Ppl say this with such conviction but what about your bank website?
Prepaid debit cards exist. Load money at any convenience store. You can even get a routing number/account number for it so you can direct deposit to it. You call a number to check your balance or lock your card.
What if it becomes industry standard and you have no other options?
There’s no such thing on the internet. Most lemmy instances with a captcha use hcaptcha or similar since its cheaper (free, in fact), as an example.
Loading prepaid debit cards at gas stations sounds like a rough life. I’d like to think that I’d have more conviction for privacy if it came to that, but everyone has their line I guess.
Doesn’t affect 90+% of people, and the remaining population frankly doesn’t deserve privacy since they don’t have anything to complain about.
Loading prepaid debit cards at gas stations sounds like a rough life. I’d like to think that I’d have more conviction for privacy if it came to that, but everyone has their line I guess.
Genuinely not bad unless you’re a complete shut-in. It’s also how the bottom 20% of Americans deal with online bill pay and interact financially with the digital world.
If you’re living under capitalism and not investing in any way, that’s not really some noble act, it’s you voluntarily staying broke and dependent on others in the future.
Should at least have some form of retirement fund going so you don’t have to leech off the taxes paid by the young when you’re old.
If you’re living under capitalism and not investing in any way, that’s not really some noble act, it’s you voluntarily staying broke and dependent on others in the future.
I’ll let you know when I magically have spare money in the worst global economy since the great depression.
Should at least have some form of retirement fund going so you don’t have to leech off the taxes paid by the young when you’re old.
No one checks their 401k often. Most people don’t consider that investment given its a scam they likely won’t ever cash in.
You get social security if that’s what you mean, but chances are the boomers will drain it all before my generation gets a whiff at it. And it’s ass anyway.
Depends on the job. Some state employees get pensions, yes. Private employers usually do not provide pensions. The majority of people are going to get Social Security after they reach a certain age, but only if they’ve worked for a certain number of years. And Social Security can be as little as $1200/month. (It was never intended to be someone’s sole income in retirement, just a supplement.)
You have to be pragmatic in life and play the hand you are dealt. I’m a commi at heart but not playing the capitalist circus just makes you homeless, not smart.
Ppl say this with such conviction but what about your bank website? What if it becomes industry standard and you have no other options? Just going to keep all your money in cash?
I have never seen a captcha (much less a third-party service one) on my bank website. And the day I do is the day I walk into a branch and demand all my accounts be closed on the spot so I can take my business somewhere else. I understand the fear, but if the fear comes true, then this is a hill worth dying on. Be prepared to fight. We have to fight.
I just got a letter regarding my FED tax return. They won’t send me a paper check due to an executive order signed by orange hitler. I absolutely do not want the federal government to have access to my bank data considering all the other rights violated along with the constitution. I now have to open a new checking account with $50 so I can get my shitty $50 refund without trump having access to my main account. (What’s to keep them from labeling me a terrorist and freezing my accounts? Gonna make that shit as hard as possible.)
bank acct or not, I’m sure they can freeze assets using your SSN if they really want to
There’s some pretty obvious middle ground before making a deposit to the First National Bank of My Mattress. You could find a different bank that doesn’t use those captchas, or even do all your banking in person.
I have a hard time believing all banks, including local credit unions, will simultaneously adopt this tech. And if they all do, maybe will I have to consider cash after all. But in the meantime, I’ll switch to a banking solution that doesn’t.
Fair enough. But I wasn’t picturing them simultaneously doing it.
Enshittification is a contagious disease that spreads slowly.
Right, so I’ll bank with the ones that aren’t doing this bullshit. If they want my money they won’t do it, simple as.
French banks don’t have that kind of external captcha. They are paranoid about it for good reasons. Also fuck Google, they are not worth it.
I’ll drive to the fucking bank if I need them.
I changed banks when they asked for 2FA.
In Sweden the banks offer a choice between an app and a hardware token. You can just go with the token then.
Why?
Probably SMS or in-app 2FA. That’s what annoys me about banks: they claim to do things for security – which in their case it makes sense because they don’t need to harvest data to make money – but then go ahead and roll their own instead of using standards.
I refuse to have a phone line. I only get one for a month when I’m looking for a job. Got tired of paying a subscription fee just to get spam calls. All my communication is done through messaging apps and the only time I don’t have access to wifi is when I’m driving.
And because SMS 2FA is actually opening a common attack vector. I have yet to find a credit union I qualify for that uses TOTP or Yibikey.
That still requires getting personal information about the user, which is often enough without 2FA. 2FA still makes it more secure than not having it. It’s still a vulnerable step though, so users should be aware of that.
Start talking to someone at the credit Union. They are run by people, you might be able to convince them the risk and implement a safer method
Just a heads up, you can get a free phone number from Google, and probably other providers. If you’ve got a computer of some kind and an internet connection, you can make calls and texts from there. If that’s all you’re getting a phone for, don’t bother with the actual device.
https://support.google.com/voice/answer/115061?hl=en&co=GENIE.Platform%3DDesktop
I don’t know about Google’s “free” numbers, but third-party VOIP numbers are usually blocked for 2FA verification. I’ve tried that. Most places won’t accept it, because they know you’re trying to get around the tracking. The 2FA isn’t the point, and the cost of the phone isn’t the point, the tracking is the point, and Google’s “free” numbers are absolutely tracking you just as effectively as any telecom is.
Prepaid debit cards exist. Load money at any convenience store. You can even get a routing number/account number for it so you can direct deposit to it. You call a number to check your balance or lock your card.
There’s no such thing on the internet. Most lemmy instances with a captcha use hcaptcha or similar since its cheaper (free, in fact), as an example.
What about investments?
Loading prepaid debit cards at gas stations sounds like a rough life. I’d like to think that I’d have more conviction for privacy if it came to that, but everyone has their line I guess.
Doesn’t affect 90+% of people, and the remaining population frankly doesn’t deserve privacy since they don’t have anything to complain about.
Genuinely not bad unless you’re a complete shut-in. It’s also how the bottom 20% of Americans deal with online bill pay and interact financially with the digital world.
If you’re living under capitalism and not investing in any way, that’s not really some noble act, it’s you voluntarily staying broke and dependent on others in the future.
Should at least have some form of retirement fund going so you don’t have to leech off the taxes paid by the young when you’re old.
I’ll let you know when I magically have spare money in the worst global economy since the great depression.
No one checks their 401k often. Most people don’t consider that investment given its a scam they likely won’t ever cash in.
USA people don’t have a state pension?
You get social security if that’s what you mean, but chances are the boomers will drain it all before my generation gets a whiff at it. And it’s ass anyway.
Depends on the job. Some state employees get pensions, yes. Private employers usually do not provide pensions. The majority of people are going to get Social Security after they reach a certain age, but only if they’ve worked for a certain number of years. And Social Security can be as little as $1200/month. (It was never intended to be someone’s sole income in retirement, just a supplement.)
Man you sound so brainwashed to me. Very American.
You have to be pragmatic in life and play the hand you are dealt. I’m a commi at heart but not playing the capitalist circus just makes you homeless, not smart.