[–] 2 points 10 months ago (5 children)

It's a common financial instrument. You can find many providers online.

You get a much better interest rate than a typical savings account (I think current rates are around 4% or so), but you are typically limited in the number of withdrawals you can make per month. Banks offer better interest rates because the cash is less volatile and sits in the account longer. They are good for cash you want to park somewhere for a while but that you still need quick, infrequent access to, like emergency funds. Credit card payments are also a fine use for it, though I'd say the benefit is pretty minimal unless you consistently maintain a balance greater than the credit card payment.

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  • [–] 1 point 10 months ago

    When I was a kid I had a disc that had some 100-200 SNES games burned onto it. No idea how we got it... My guess is my dad got it from a friend or something.

    I played the shit out of Earth Defense Force, Knights of the Round, and Gundam Wing: Endless Duel with my Dreamcast. Though my mom made me stop playing Gundam Wing because one of the Gundam was called Deathscythe and Satanic Panic was in full swing.

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  • [–] 7 points 10 months ago (1 child)

    Just because a lot of people are using them does not necessarily mean they are actually valuable. You're claim assumes that people are acting rationally regarding them. But that's an erroneous assumption to make.

    People are falling in "love" with them. Asking them for advice about mental health. Treating them like they are some kind of all-knowing oracle (or even having any intelligence whatsoever), when in reality they know nothing and cannot reason at all.

    Ultimately they are immensely effective at creating a feedback loop that preys on human psychology and reinforces a dependency on it. It's a bit like addiction in that way.

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  • [–] 1 point 10 months ago (1 child)

    It's just a different kind of difficulty, and of course not all jobs are created equal. But ultimately this rhetoric is the kind of thing the capitalists want. They want to pit "lower class" against "upper class", when in reality, these distinctions are entirely irrelevant and it's actually "the billionaire oligarchy squeezing every last drop out of the rest of us". If you work for a living, you are "low class".

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