Frankly, I am of the opinion that "If you arent intelligent to discover it for yourself, you have no business using it"

Creative Destruction of an open market is slow. Currently, information is free.

But free is bad. It allows people to know just enough to be dangerous without having to grasp the fundamentaals

No its not free, you pay with your privacy and your data

So slow is good for society in my view

well, privacy don't have a cost

lol the next world war will end the world you guise

it never will as long as information has no value

Not an arbitrary one like money, no

einstein more like edge(((stein)))

and you are right

IF people PAID for twitter and facebook the law would protect them under the UCC

Privacy, in my opinion, is a much higher price to pay than a couple of bucks

but as no money changes hands, they can set whatever terms they like

including the theft of your private data

a receipt is viewed as a contract per common law

it is why some boomer STILL write checks

cause a check is really the only thing that definatively proves intent

True, but what of the long term cost? If we all hand over our privacy and terabytes of personal information to a single company?

Its dangerous

They can have my porn data. ^^

So you think an open market would allow them to still take our data?

it wouldn't

every additional thing they did would be subject to a contract

I mean, I don't know if you are aware to the extent the banks and CCs have been breaking the law and gettign away with it

By law, they are required to keep a pen and ink copy of the contract you signed when you first got the card. You can then send a request by mail to review that contract at any time

But today, no credit card company KEEPS contracts

Cause that would hold them responsible as well

Look out, MA's setting out into pseudolegalese

My advice to anyone is, don't hand over your income to credit card companies.

they instead try to play off the ASSSUMPTION that because you paid a previous bill, you must pay the next

Instead budget and save

mine too, but the point is they are breaking the law

Income = prosperity

not if they can just take it when you piss them off

and the more we just let them normailze breaking the law, the worse it gets

Hmmm. yes

MA, this is the sort of legal arguments been used by people fighting bailiffs and stuff. All that ends up happening is the judiciary do some interpretting in light of modern reality and your argument becomes irrelevent

incorrect

I once challenged a card on the basis of the contract