Pooge

> buyer protection, chargeback and a way to handle fraudulent transaction

There is; it's called a bank.

> We have? SCT inst has been rolled out almost everywhere

That is true; I should have said "EEA" or "countries supporting IBAN".

> We definitely are. Transfers in EUR from/to CH IBANs use SEPA rails. CHF accounts can also send or receive EUR transparently (usually at a bad FX rate, but it just works).

Yes, which is exactly my point. We need it to work for CHF as well. Instant payments are not the norm and in fact UBS is charging for it.

> You answered your own question. We need pan-European payments systems on top of the existing banking infrastructure. Payments and transfers aren't the same thing. By moving to mobile wallets with QR code and NFC payments, this opens up interoperability beyond Europe too.

A payment should be a bank transfer. Anything more complicated is just something that is to be exploited by middle-men.

> your IBAN number, which at least in Germany can be used to take money from your account

What the f#*k?!

SEPA is only for Euros but there are countries that don't use Euros that still use IBAN (e.g. Switzerland and UK).

Makes sense. I lived there for a year and visit yearly and at the time I didn't notice such an aggressive campaign from Visa.

IC cards indeed are much faster from my experience (in Hong-Kong and Singapore).

I hope we can get rid of Visa and MasterCard because they are the reason we don't have free, instant payments.

I couldn't have said it better. I don't understand what they solve.

We need instant, free SEPA transfers around the clock. Switzerland is not part of SEPA but IBAN is used so it is trivial to send payments to foreign accounts that have an IBAN.

I always say that the day Trump decides to block Visa/MasterCard outside the US is the day we get instant payments and finally get rid of cards.

Could you elaborate? Genuinely interested.

Switzerland's rely completely on an (Android/iOS) application. No desktop version. If you change your phone you must ask for a new ID.

> Govts want to have control back

By forcing us to go through devices completely controlled by US companies?

So my point stands; it's not a cultural symbol like alcohol is for Europeans.

Including for heroin or other hard drugs?

Alcohol was always an important cultural symbol (drinking wine as a Christian, for example). This is not the case for tobacco, especially highly artificial one.

Tobacco is inherently bad for one's surrounding as well.

Up until now I only paid LLM subscriptions to Anthropic but I'm going to give ChatGPT a chance when my current subscription runs out next month.

Too bad it uses OpenGL so I can't open it. I usually love this website.

You may want to have a look at docker-volume-backup[1]. I personally use it.

[1]: https://github.com/offen/docker-volume-backup/

And all this without OpenGL! Kudos.

My new favorite insult towards web services that are badly done is: "even fully vibe-coded Codex would've done better".

Humans will always smash a screw with the handle of a spoon and be proud of themselves when they manage to do it.

It surely depends on what the OP is providing. If I was a consultant and the company stopped paying, I would obviously stop working for them on the next day. Otherwise, you could start charging weekly or daily instead of monthly. But then again, if they're not paying...

If I was providing a software or utility, the second you stop paying you are out. This actually happened to me in Japan because my mobile provider stopped sending paper invoices so I forgot to pay. I got cut off without any warning and as soon as I paid I got my access back.

I'm not and have never been in your situation but consider this a summary of all anecdotes I've heard mixed with negotiation techniques.

The thing I would personally do is make sure the client has paid their invoice before providing the service. Essentially, this means paying for all previous missed invoices along with the next one. If you make people pay before giving the service, I think you avoid the case altogether.

Now, if you want to be harder: just ban them. Take them to Collections (or whatever the name is in the USA) and then never provide services to them ever again. This sounds really harsh and unfair but by not paying they also know how far they can go without giving you a dime. "Give them a hand and they take the arm."

I don't know how you could word it, but you could tell them to use an LLM to generate specs so that you can understand the needs and implement the features yourself (even if it's also LLM-assisted).

Why does the client have pushing rights to the repository? I would suggest working by pull request and approve all changes that they make. That's what you would do if you were working in a team.

If you work in a bigger structure, surely there is a product manager that can limit the scope of the project.

I would suggest to the client to develop their own tools that are to be supported by them exclusively while you continue supporting the "official" tools.

There is no win. They are winning 50-0 and they just scored an own-goal; so what?!

Didn't you just describe a social media feed?

The whole point of syndication is that it's curated by humans (you, if it's your own feed).

> use cloudflare

Please don't

Yeah I can't imagine killing my family members every time I'm shutting down my computer

Is there an about:config setting to disallow JavaScript access to tabs?

I'm sure it used to make sense when words when pronounced differently. Pronunciation changed but not the writing. Which means it doesn't make sense at our point in time.

> posted HN comments

I'm sorry if it comes off as rough, but keep your AI slop out of HN, please. Unless it's obvious that it's an agent, I'm probably not the only one who believes we need human contact on HN and not a statistical machine.

The fact is that even native speakers may mispronounce words if it's the first time they say it. For example, words that they encountered in written form only.

Or they write words incorrectly because it doesn't even closely match the pronunciation.

I've learned Japanese and I understand your point completely. I can't say for Chinese but in Japanese there are some words (and even kanji) that you can read even if you see it for the first time–if you get better at reading kanji. Some words just make no sense but that's true even for native speakers–especially for place names.

They put more emphasis on the meaning of the word than reading itself. As opposed to French where you know how to read it instantly–but you don't necessarily understand it.

In English, I realized that there are words I mispronounced/misread my entire life before hearing a native person say it outloud. That's because I only ever encountered the word in its written form.