this post was submitted on 09 Mar 2024
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I don't use AI to copy other peoples work. I use AI as a better search engine for obscure topics where I don't know the right keywords. Describe your issue in cleartext, and out comes enough info to migrate to a better search. I've also used AI to modify my own works, ie. "blur out the background of this image" or "remove object from image".
When people argue in favor of traditional banking because they are more "environmental friendly", I really have to ask who is arguing ion bad faith. Aren't credit cards a thing because banks know that given the chance people will consume more then they can afford? They are the one complicit in our consumerist culture, which arguably places a much higher burden on the environment. But the calculation is much broader then comparing the power consumption of ATMs with crypto networks, so it's easy to sweep that part under the rug.
Well technically you could also have crypto banks which pull the same shit. The advantage of blockchains is better security and integrity.
Well their can not be uncapped fractional lending as it is right now. The bank could offer a credit card equivalent, but it would need an equal amount of deposits. The current system works by essentially crediting the merchant an IOU, whose value does not have to be real. With crypto merchants get to choose, would they rather have native crypto, or an IOU with strings and contracts attached? Obviously the latter is more risky, and therefor the seller has to factor it into the price/ transaction fee.
Maybe that can be somehow circumvented too. But it certainly is more difficult then the meddling that happens right now.
Yeah I guess u'r right. Fractional lending rn is very important for monetary policy. And monetary policy is VERY IMPORTANT. But I could see a completely digital currency having good monetary policies without interest rates and fractional reserves. Perhaps, a simple gas fee increase/decrease could work. I dunno, I'm too tired rn lol