I’ve had to do a handful of chargebacks and I don’t know or care whether they banned me: I would never voluntarily do business with them again anyway.
Also users should benefit because they are getting relevant ads. Linear tv is notorious for non relevant ads like all the drug ads for conditions you don’t have. If you’re forced to see ads, wouldn’t you want ads that are relevant?
First off, there are legitimate security concerns with the kind of functionality required for effective ad blocking given the immense work the ad industry (i.e google) have put into preventing purely static filters is also very powerful for exploitation. Those powers can (and have been) abused: the recent news about "Honey" replacing affiliate links so that they are getting paid for ads on peoples page, but also there have been numerous examples over the last year of extensions being sold and then having the extensions getting malware, crypto miners, etc.
Second, there are real performance problems - the non-JS filter rules are vastly more efficient, for memory usage, cpu usage, and load time (I recall people doing benchmarks a while ago, showing ad blocker extensions that actually slowed down page loads).
So those are the engineering arguments for not supporting this model of extension.
However, the engineers on the chrome team are not stupid, or malicious, and understand that the trade offs are something users want. But those engineers work for Google, and google is an advertising company.
So it does not matter what those engineers want, or think is better, if the company management says "you cannot block our revenue model" they do not have a choice. Well, they could quit, but that's basically it.
That link shows 2.7% in Sept., 2023. It should have been more like 5%.
The yellow flag should have been the sketchy "win prizes" part of their offering that the article didn't really mention. What's this pseudo bank's innovation? A raffle?
I still agree that weren't actual signs of sloppy accounting customers should have seen, and as it really does look like customer funds were supposed to get deposited in an actual bank.
Every week, you would get a lottery ticket for every $25 in your account. In July 2020, expected value for a ticket was $.0227 ($.0157 if you exclude the jackpot, Tesla, and other top prizes that you were statistically unlikely to ever win). They also paid out a base APY of .20%, which was higher than savings accounts at a lot of big banks.
Adding those together, the APY came between 3.51% and 5.02%, which was good compared to most banks at the time. Over time they made changes which decreased the expected value of each ticket, I closed my account in 2021 when the rate was no longer competitive. Looks like I quit at the right time.
Honestly I don’t know why people think they should be able to publish their software on anything anyways. I can see the iOS/android argument at least because they’re ubiquitous. But there is nothing wrong with how game consoles currently work. It’s a win for Sony/M$/Nintendo, game developers, and consumers. If it wasn’t, then games would only get released on PC (which already allows for exactly what you seem to be advocating for)
The PS5 was sold at a slight loss at launch, Sony got production costs down enough to be profitable about a year later (https://www.bloomberg.com/news/articles/2021-08-04/sony-rais...).
I'm less sure about Microsoft, my understanding is that the Series X is profitable and the Series S is a loss leader. However, both of them can be put into a developer mode and you can run your own (or other people's) code.
Kellogg, down 15% in the last year
It's possible to imagine LLMs implemented responsibly, but our ruling class has decided against that.