• 0 Posts
  • 32 Comments
Joined 1 year ago
cake
Cake day: June 14th, 2023

help-circle


  • That’s not really true. Banks getting higher interest on loans also pay out more interest on deposits, otherwise they’re unable to attract and retain customers. FI profitability is based on net interest margin (revenue from lending - losses from deposits), and they need deposits to have the money to lend out so they can’t arbitrarily lower their deposit account rates to increase NIM.

    Banks get richer no matter what happens, because people need loans. If anything, higher rates make it more challenging for banks to make money as people are less able to make repayments and less likely to take out loans for luxury purchases or holidays.







  • The semantics is that downloading is copying something from one computer system to another. Nothing about intent or permanence or whether it’s a temp/cache file or not. If you did not download the file, you cannot have seen it.

    Whether you meant to do something or not does not change the action. The colloquial use of the word downloading to mean something different from streaming or browsing does not change the fundamental action.

    In the case of WhatsApp, which is specifically in question here, it doesn’t “cache” images in a temporary folder. It saves the images to your devices media folders in their own library. So even by your definition, they’re being downloaded. Now, this is a setting which is on by default so maybe an individual doesn’t realise. It doesn’t mean they’re not downloading the content.



  • Re: your last paragraph -

    Think of it this way. Google pulls in 300 billion USD a year and 80% of that is advertising revenue, not leaving a whole lot of the pie for Pixel phones once you take out subscriptions, Chromebooks, GCP, etc etc.

    Sure, they’re probably making some money on every pixel sale but the point of them making mobile phones is to support their advertising business.

    I’m not a Graphene user, but that’s the way I see it. At the end of the day if you get the phone secondhand you’re not giving them any money at all.










  • Reddit death > installing mint on my second PC > realising I can run most of the games I play and installing mint on my main PC > start learning Rust as a first foray into programming in a long time > realise I want to go back to uni and study info tech to get out of my shitty marketing job > get a shitty second hand laptop off my parents that struggles to run windows and install endeavourOS to try something different.

    It really is a slippery slope. When does it end???