Readit NewsWhen did we do this ?
Taking the contrarian view, how much of that is just bad spending habits vs using it to live/augment income?
Another contrarian view, how come people can’t get a second job or better job with more money?
I just would like to see more personal accountability. I don’t understand why the taxpayer needs to absorb these loans when the individual took it out on their own assuming it wasn’t predatory or illegal.
My brother in law who is extremely smart, and very well trained -- MIT PhD -- and exposed to orders of magnitude more data than ChatGPT, given that the human senses ingest gigabytes of data per day, has -- like everyone else -- persistent errors in his thinking. I single him out because of his credentials, but everyone has these.
As a particularly funny example, we were talking about steers and bulls and he was like "Oh, right, I remember, some male cattle are born bulls and some are born steers". My wife, who is similarly educated, believed for a very long time that watermelon's grew on trees. At my undergrad school, a woman who was getting her physics degree and then who eventually went on to get a PhD, fundamentally believed that yeast would not rise if you talked around it -- I guess her parents had told her that and she never questioned it.
That is to say, humans lack full knowledge. We're trained on significantly more data than ChatGPT et al. We still have persistent inaccuracies despite all of that. We're not perfect.
That doesn't make us less useful. Half the time we just rely on other humans trained on similar, but slightly different data, to iron those out, and indeed AI systems that employ those methods get better accuracy.
Now again, my brother in law has fewer errors than most people since he is very smart. However, the vast majority of people are really not that bright (rumor has it that fifty percent have below average intelligence), and yet, simply through verification with other humans, they are able to accomplish useful things.
Sometimes even very capable people have persistent thinking errors. This doesn't make them less smart. No one can claim perfect intelligence. That's the only thing that's bullshit.
[1] https://www.businessinsider.com/google-researchers-openai-ch...
It made me think, are client side CAPTCHAs really worth it? They add so much friction (and page weight - reCAPTCHA v3 adds several hundreds KBs) to the experience (especially when you have to solve puzzles or identify objects) and are gamed heavily. I know these get used for more than form submissions, to stop bot sign ups etc…
I feel like it’d be just as/more effective to use other heuristics on the backend: IP Address, blacklisting certain email domains, requiring email validation or phone validation, scanning logs, analyzing content submitted through forms
I’m not judging them as better. I’m just predicting they’ll come first and make it even more challenging to get public transportation funded and approved