5 ms·

That's a great attitude until slowly but surely 90% of apps used in day to day life won't function for you: banking, dating, social media, e-commerce, communica

That's a great attitude until slowly but surely 90% of apps used in day to day life won't function for you: banking, dating, social media, e-commerce, communication/messaging etc slowly freeze you out.

bee_rider 5mo ago
Are banks and e-commerce going to get rid of their websites? I imagine some will, but I can’t imagine using one that did. Dating… well, the goal for most people is to exit the dating pool anyway. Social media is bad.
- brodock 5mo ago
  In many countries it's already impossible to use just the web for banking. They either make you install rootkits on your computer or move you to their mobile apps
  - bee_rider 5mo ago
    Wow, that sounds awful. You say country, which makes me wonder—is this the result of a popular type of law or something? I can’t imagine every bank in a country deciding to make that same move. But I live in a large country with lots of banks so I’m sure I have a very biased point of view.
    - breisa 5mo ago
      https://en.wikipedia.org/wiki/Payment_Services_Directive https://en.wikipedia.org/wiki/Payment_Services_Directive tldr: eu mandates secure 2fa for online banking and most banks only implement it using their app as second factor.
    - TFNA 5mo ago
      > I can’t imagine every bank in a country deciding to make that same move. Many countries have only three or four full banks (the kind that can give you a Visa or Mastercard bank card, let you send and receive transfers, etc.), and all of them are making the same moves.
  - drnick1 5mo ago
    > They either make you install rootkits on your computer I am aware that some banks require apps on "certified" phones, but I haven't heard of rootkits on PCs, yet. Do you have an example of that?
k4rli 5mo ago
A hidden benefit is having to decide now whether you actually need these things. Messaging apps will continue working. Banking apps made by reasonable companies will also. In days of banking being competitive and rather open with many providers offering good value, it's so easy to switch providers. Granted I am relatively poor and keep my banking simple, but I doubt card providers want to increase friction either. After Revolut started requiring >basic integrity it took me appx 1 day to switch to n26 and nothing of value was lost. Not being able to use socialmedia, e-commerce, and dating apps sounds great.
palata 5mo ago
Well we should fight against that, then.

bee_rider 5mo ago

Are banks and e-commerce going to get rid of their websites? I imagine some will, but I can’t imagine using one that did. Dating… well, the goal for most people is to exit the dating pool anyway. Social media is bad.

brodock 5mo ago
In many countries it's already impossible to use just the web for banking. They either make you install rootkits on your computer or move you to their mobile apps
- bee_rider 5mo ago
  Wow, that sounds awful. You say country, which makes me wonder—is this the result of a popular type of law or something? I can’t imagine every bank in a country deciding to make that same move. But I live in a large country with lots of banks so I’m sure I have a very biased point of view.
  - breisa 5mo ago
    https://en.wikipedia.org/wiki/Payment_Services_Directive https://en.wikipedia.org/wiki/Payment_Services_Directive tldr: eu mandates secure 2fa for online banking and most banks only implement it using their app as second factor.
  - TFNA 5mo ago
    > I can’t imagine every bank in a country deciding to make that same move. Many countries have only three or four full banks (the kind that can give you a Visa or Mastercard bank card, let you send and receive transfers, etc.), and all of them are making the same moves.
- drnick1 5mo ago
  > They either make you install rootkits on your computer I am aware that some banks require apps on "certified" phones, but I haven't heard of rootkits on PCs, yet. Do you have an example of that?

k4rli 5mo ago

A hidden benefit is having to decide now whether you actually need these things. Messaging apps will continue working. Banking apps made by reasonable companies will also. In days of banking being competitive and rather open with many providers offering good value, it's so easy to switch providers. Granted I am relatively poor and keep my banking simple, but I doubt card providers want to increase friction either. After Revolut started requiring >basic integrity it took me appx 1 day to switch to n26 and nothing of value was lost. Not being able to use socialmedia, e-commerce, and dating apps sounds great.

palata 5mo ago

Well we should fight against that, then.