(Thread IKs:
Nuns with Guns)
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Hel posted:From what I hear about america they have really ridiculous overdraft fees ( and apparently don't actually stop overdrafts) so the maxed out credit card might actually be the cheaper option. Yeah, some of the corporate banks can be absolutely brutal about overdrafts, and absolutely ratfuck you. Mine just pulls the difference from my savings account. Though given the interest rates and huge credit limits, a maxed out card is still a potentially disastrous financial situation. Which is worse is kind of comparing getting poked in one eye with getting poked in the other eye.
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Oct 3, 2021 19:29
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| # ? May 30, 2024 23:34 |
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Even allowing a debit card to be overcharged is some truly heinous poo poo, US is such a dystopia.
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Oct 3, 2021 19:30
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fun hater posted:a debit card stops working after balance hits below 0 doesnt it. that's. how mine has always worked.
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Oct 3, 2021 19:31
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fun hater posted:a debit card stops working after balance hits below 0 doesnt it. that's. how mine has always worked. Basically , but transfers aren't instantaneous, even with modern banking they can take quite a while to finish. So you can have situations where you queue up a transaction that would empty your account and before that comes to pass to initiate another that sees you have money on the account. As such you have a negative account balance, which banks deal with by treating it as a loan with high interest and a penalty charge. Generally unless you are regularly low on money you never really notices that it's not instant, since you are still allowed access to the things you bought even if that transaction is just queued and not finished.
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Oct 3, 2021 19:33
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MiddleOne posted:Even allowing a debit card to be overcharged is some truly heinous poo poo, US is such a dystopia. every time i think about it i get loving pissed. banks are so hosed up. im with a credit union so they treat me real nice but at the cost of never having access to a branch ever lol.
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Oct 3, 2021 19:33
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anyway does anyone else follow this middle ages dad who goes to tourist traps (and in this instance, a public, interactive, performance art space) and is so, so scared of compressed air? https://www.youtube.com/watch?v=R_eCSPgzoCI
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Oct 3, 2021 19:54
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The problem with gacha games is also that many gambling addicts entered the video game world to get away from gambling poo poo. And look how that went for them..
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Oct 3, 2021 20:08
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can we just speedrun to the point where Americans learn about how other countries work because I love seeing Americans find out that in Canada we just email each other money and it's essentially instant and almost always free nowadays (when it's not it costs like 2 bucks idk my bank removed the fees like 7 years ago) it's how most people pay rent up here if their landlord doesn't have direct deposit I haven't had to write a cheque in YEARS
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Oct 3, 2021 20:20
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egg tats posted:can we just speedrun to the point where Americans learn about how other countries work because I love seeing Americans find out that in Canada we just email each other money and it's essentially instant and almost always free nowadays (when it's not it costs like 2 bucks idk my bank removed the fees like 7 years ago) Yeah it's a lot easier to have better infrastructure when everyone in your country only lives in 7000 miles of the available land 
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Oct 3, 2021 20:28
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RareAcumen posted:Yeah it's a lot easier to have better infrastructure when everyone in your country only lives in 7000 miles of the available land nah, it's because years back the government set up a crown corp to facilitate money transfers and they're literally not allowed to make a profit like, yall have emails too right?
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Oct 3, 2021 20:33
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egg tats posted:can we just speedrun to the point where Americans learn about how other countries work because I love seeing Americans find out that in Canada we just email each other money and it's essentially instant and almost always free nowadays (when it's not it costs like 2 bucks idk my bank removed the fees like 7 years ago) The last time anyone in my family used a check here in Sweden was back in the 80's and my bank will stop even cashing checks come the new year. If you are connected to the E-Identity system here you can send money instantly and for free as long as you know their phone number. RareAcumen posted:Yeah it's a lot easier to have better infrastructure when everyone in your country only lives in 7000 miles of the available land Caching a check takes way more infrastructure than an internet payment.
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Oct 3, 2021 20:38
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Using something as insecure as email to send money sounds like a bad idea.
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Oct 3, 2021 20:43
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I've had direct API access to all my bank accounts for 15 years. Transfers used to be next-day within the country, it's faster now. I can charge back any transaction for 13 months (iirc, might be 11). Credit cards have never been competitive in the country because their fees are higher than normal cards. I have only ever held one cheque in my entire life and it was a huge hassle to cash it.
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Oct 3, 2021 20:44
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Neo_Crimson posted:Using something as insecure as email to send money sounds like a bad idea. it requires either a second factor (a secret question and answer) or registering your email with the bank beforehand - if someone gets access to the recipients email address they get the email but they only get two guesses to get the password right. (and, again, you can and should set up auto-deposit so the email is just a notification) like, a year ago there was a case of a landlord in bc losing a few months rent because of it but like... Interac still keeps track of the transaction so its not like it's not traceable. it's legit super cool AND no one's using it to get rich
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Oct 3, 2021 20:53
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egg tats posted:nah, it's because years back the government set up a crown corp to facilitate money transfers and they're literally not allowed to make a profit They probably have to sell their internal organs to be allowed the privilege of sending emails.
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Oct 3, 2021 21:16
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I like how 'I would simply not have a gambling addiction, personally' devolved to 'stupid americans' because the person doing it used weird semantics to be smug to deflect from their rear end backwards 'the only reason people do gatcha poo poo is if they're literally cranking off as they play' poo poo out of nowhere.
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Oct 3, 2021 21:22
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sexpig by night posted:I like how 'I would simply not have a gambling addiction, personally' devolved to 'stupid americans' because the person doing it used weird semantics to be smug to deflect from their rear end backwards 'the only reason people do gatcha poo poo is if they're literally cranking off as they play' poo poo out of nowhere. Nah, we just take any opportunity to poo poo on americans, because we have to deal with your poo poo the rest of the time.
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Oct 3, 2021 21:26
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egg tats posted:nah, it's because years back the government set up a crown corp to facilitate money transfers and they're literally not allowed to make a profit Hel posted:Caching a check takes way more infrastructure than an internet payment. I was trying to make a joke about people in Canda living in about 17% of the available landmass but it didn't really work, you two are right. sexpig by night posted:I like how 'I would simply not have a gambling addiction, personally' devolved to 'stupid americans' because the person doing it used weird semantics to be smug to deflect from their rear end backwards 'the only reason people do gatcha poo poo is if they're literally cranking off as they play' poo poo out of nowhere. The only reason people play anything from Japan is to jack off, if you haven't noticed by now. Gets real weird when you start looking at stuff like EDF and Japanese Rail Sim, but them's the breaks.
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Oct 3, 2021 21:26
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wait are we NOT supposed to jack it to Railsim? poo poo is this why my fiance keeps saying I need to get tested?
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Oct 3, 2021 21:29
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The only reason people play anything from Russia is to experience excruciating emotional suffering, if you haven't noticed it by now. Gets real weird when you start looking beyond stuff like Pathologic and venture into the world of Tetris, but them's the breaks.
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Oct 3, 2021 21:30
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RareAcumen posted:I was trying to make a joke about people in Canda living in about 17% of the available landmass but it didn't really work, you two are right. who said this lol. sexpig by night posted:I like how 'I would simply not have a gambling addiction, personally' devolved to 'stupid americans' because the person doing it used weird semantics to be smug to deflect from their rear end backwards 'the only reason people do gatcha poo poo is if they're literally cranking off as they play' poo poo out of nowhere. that's not true. i said the other reason was if they were a child
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Oct 3, 2021 21:31
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you can remain mad at me and attempt to re-open litigation but why make the thread worse again after we all tried to pull up
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Oct 3, 2021 21:32
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RareAcumen posted:Gets real weird when you start looking at stuff like EDF and Japanese Rail Sim, but them's the breaks. People are absolutely cranking it to the giant bug game you've had an account for almost a decade don't pretend you didn't know that.
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Oct 3, 2021 21:32
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fun hater posted:you can remain mad at me and attempt to re-open litigation but why make the thread worse again after we all tried to pull up Shut up nerd
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Oct 3, 2021 21:35
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Acute Grill posted:People are absolutely cranking it to the giant bug game you've had an account for almost a decade don't pretend you didn't know that. Ewwwwww, gross, people are into bugs??? I thought people wanted to gently caress the giant robots!
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Oct 3, 2021 21:36
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fun hater posted:wtf. insane to contemplate. i still don't have any credit cards. the idea of a child having one and the parents looking over the transaction history and going "cool, normal" is brain melting It's going to vary a lot by parent obviously, and idk maybe some have debit cards instead and are dumping money from their part-time jobs into it, but that's also about the time parents are probably letting their kids have more leeway and it just takes one impulse spree to dump too much money into a game, even if the parent locks down the credit card again afterwards. Getting kids into regular spending habits on these games, even smaller transactions once a month, certainly helps round out the income on top of mass dumpings from adults already locked into the addictive habit. fun hater posted:this is now the thread where people explain to me what genshin impact is bc up until literally a week ago i thought it was a virtual card game I'm only familiar with Genshin through watching other people playing it on streams but here's my understanding of it: It's pretty much impossible to avoid describing Genshin Impact without pointing out the ways it's like Breath of the Wild, because it is a fantasy open world you run, climb, and hang-glide around in. It has colorful cartoon graphics and real time combat similar to BotW too. However, aspects of combat like weapons and special moves are limited to specific characters, kind of like a Tales game. It has the League of Legends "Oh well technically you don't have to spend IRL money to play" bait and switch. You'll gain some set characters by progressing the story mode, and sometimes one gets handed out for special events, but otherwise you have to grind the in-game currency in a number of ways or use IRL cash to obtain new characters. The different characters have different ranked rarities, and you get "Wishes" that are random rolls to get a new character. In a lot of ways this makes the pressure to spend money more intense than say, Fortnite, because there are actual marked ways spending money improves the game if you get a lucky Wish and get a character you want that might be integral for certain dungeons or hard fights. It has some more technical aspects to the combat, which is why I was saying it's probably starting at a slightly older demographic, but there's no denying it's more than happy to normalize a gambling buzz in its users like every other cynical gacha game out there. It just happens to have a decent, if slightly derivative, game lying under all that crap. Nuns with Guns fucked around with this message at 22:16 on Oct 3, 2021 |
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Oct 3, 2021 21:41
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RareAcumen posted:
Considering the Wing Diver outfits, desperate people jacking off to some part of EDF isn't too surprising.
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Oct 3, 2021 21:42
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RareAcumen posted:Ewwwwww, gross, people are into bugs??? I thought people wanted to gently caress the giant robots! Por que no los dos
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Oct 3, 2021 21:43
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fun hater posted:the "think of the children!" angle on gacha poo poo is really strange and seems to completely disconnect from the reality in which adults are dropping enormous sums of cash on jpgs because of sex, not gambling, reasons. I feel like the "think of the children" angle was being used as a strategy to strike back at gacha in general by getting political power from the "think of the children" politicians/special interests. Problem is, those people do not actually think of the children; they think about the minorities they can screw over by pretending they do. You'd have better luck with them by going full racist conspiracy theory "sneaky China stealing money out of our kids' pockets!" which will obviously be a no sell to the left, so honestly I can't imagine anything being done about it from the US political side.
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Oct 3, 2021 21:45
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MiddleOne posted:The only reason people play anything from Russia is to experience excruciating emotional suffering, if you haven't noticed it by now.
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Oct 3, 2021 21:47
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this is actually the best description of it ive seen bc you explained the gacha aspect of it. this reads like a "pay to win" app where they give you a handful of easy victories and then the difficulty spikes so dramatically that it seems like the only way to advance is to pay in by buying diamonds/gacha rolls but with a very big budget. is this right
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Oct 3, 2021 21:47
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fun hater posted:this is actually the best description of it ive seen bc you explained the gacha aspect of it. this reads like a "pay to win" app where they give you a handful of easy victories and then the difficulty spikes so dramatically that it seems like the only way to advance is to pay in by buying diamonds/gacha rolls but with a very big budget. is this right No because genshin is an incredibly game aside from the super endgame dungeon that like <1% of the playerbase even engages with
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Oct 3, 2021 21:49
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You don't even need to be pay to win to tap into it, as CS:GO and Overwatch do a good job of illustrating. To have an effective child casino all you need is... 1) have a thing people want 2) lock it behind random chance 3) that's it. you did it. E: this is also all you need to run a regular casino Acute Grill fucked around with this message at 22:10 on Oct 3, 2021 |
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Oct 3, 2021 22:01
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hmm. distressing
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Oct 3, 2021 22:02
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I was interested in Genshin when I thought the rad-looking blue-haired eyepatch guy was a lady and finding out the truth killed my interest so at least I'm safe.
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Oct 3, 2021 22:04
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fun hater posted:this is actually the best description of it ive seen bc you explained the gacha aspect of it. this reads like a "pay to win" app where they give you a handful of easy victories and then the difficulty spikes so dramatically that it seems like the only way to advance is to pay in by buying diamonds/gacha rolls but with a very big budget. is this right Like Andrast said, my impression is it's not too disruptive for the first two dozen hours, it's when you're you're hitting the upper upgrade tiers of weapons and characters levels that things either require a high amount of grinding over multiple weeks or that ever-tempting IRL cash money option to reset events quickly for the XP-type rewards.
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Oct 3, 2021 22:11
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Nuns with Guns posted:Like Andrast said, my impression is it's not too disruptive for the first two dozen hours, it's when you're you're hitting the upper upgrade tiers of weapons and characters levels that things either require a high amount of grinding over multiple weeks or that ever-tempting IRL cash money option to reset events quickly for the XP-type rewards. no see here’s the thing. you don’t need it. the xp treadmill gets grindy but you don’t need it to engage with the main story, really. it’s literally just making the numbers go up in an endgame dungeon that has no unique rewards the game doesn’t even have pvp content lmao like to be clear im not saying it to defend the game, that’s just how effective the monetization scheme is dmboogie fucked around with this message at 22:25 on Oct 3, 2021 |
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Oct 3, 2021 22:23
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Genshin never actually gets super hard unless you're 36 starring the spiral abyss. While there's definitely different power levels in characters, no characters are useless and no characters are 100% necessary to progress. There is still plenty of time gated resources and grinding you have to do though, and the trappings of the gacha system for those cute 5 star characters. It's still very playable entirely f2p
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Oct 3, 2021 23:47
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The latest episode of the Flash In The Pan podcast features award-winning cartoonist and animator Hamish Steele, talking about some Weebl classics and his own early flash work. Also Gordon Ramsay eating poo poo. It's very classy.
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Oct 3, 2021 23:57
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| # ? May 30, 2024 23:34 |
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fun hater posted:you can remain mad at me and attempt to re-open litigation but why make the thread worse again after we all tried to pull up You could also accept that what you say has an affect on people and people want to respond to it, and that the thread got worse because of your posts lol
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Oct 4, 2021 00:16
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