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[–] 212 points 1 year ago* (36 children)

Need to petition Visa, MasterCard, PayPal, and American Express. I don't think trying to get Valve to reverse these recent changes will necessarily be effective, since they are being pressured by the payment processors and they definitely aren't going to risk not being able to effectively do business at all.

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  • [–] 114 points 1 year ago (11 children)

    Yeah, nah.

    Petition these people:

    https://www.collectiveshout.org/partners

    Collective Shout is sustained by a small number of Australian partners. These are not big groups, and would quickly pull funding under any sort of pressure.

    Collective Shout has a deep history with Christofascism and TERFs, so highlighting those angles is the way to go to get them pariahed. Once CS is out of the picture, we can work on undoing the damage they did.

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  • [–] 52 points 1 year ago (2 children)

    Petitioning people to do something that is against their entire purpose doesn't seem like it would be effective.

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  • [+] 35 points 1 year ago (3 children)
  • [–] 28 points 1 year ago (2 children)

    I think the idea is to pressure the partners of Collective Shout, per the url in the comment. Those might not necessarily agree with what they're doing in this case, and if they see it's making waves, reconsider their partnership.

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  • [–] 2 points 1 year ago* (3 children)

    This is incredibly shortsighted.

    If you get Collective Shout to stop, another group might pick up where they left off.

    The problem needs to be fixed, what you're suggesting is just making the people currently abusing it stop doing so. That's not a long term solution.

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  • [–] 1 point 1 year ago (2 children)

    No it’s incredibly idiotic to do otherwise.

    You don’t fight a fire while the arsonist is still setting it on fire.

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  • [–] 0 points 1 year ago (1 child)

    Except they're not fighting the fire here, they're taking away the arsonist's flamethrowser so he can't continue making the fire. Without that flamethrower, the arsonist can't do shit.

    Fighting the fire would be petitioning Steam, but the target is the payment processors that pressured Steam on request of Collective Shout.

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  • [+] 24 points 1 year ago (6 children)
  • [+] 15 points 1 year ago (5 children)
  • [–] 14 points 1 year ago (1 child)

    No, Valve has something that MasterVisa doesn't: being liked by people. If Valve stopped taking payments and yelled to the rooftops that MasterVisa was responsible, people from all walks of life will stop, listen, and then get their pitchfork. Through the platform of Steam, people browse through the things that make their days happier. If MasterVisa threatened to take that away, people will respond.

    Also, Europe and other blocs will be inclined to oppose MasterVisa. It would be a very public case of where America is dictating how the people of other lands must live. That would almost certainly make systems like Wero take off, due to sheer nationalist fervor. America is easily painted as the enemy if it allowed MasterVisa to continue abusing people on such a huge and international scale.

    Money isn't the only currency a person has, their opinions and agency are even more important, if they acted on using them. History books are filled to the brim where motivation is the greatest driving force of all.

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  • [–] 2 points 1 year ago

    Also, Europe and other blocs will be inclined to oppose MasterVisa.

    they're already started, slow af as anything done by bureaucrats, when Trump 2.0 began his shenanigans.

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  • [–] 8 points 1 year ago (2 children)

    Valve is basically a small business one bad Monday from going bankrupt compares to payment processors.

    Few quick searches around the internet says that (measured by revenue) Mastercard alone is roughly 3 times bigger than Valve. So even if Valve is pretty big player it's not even close on major payment processors. And they're not playing on the same rules either, any payment processor can vanish payments for anyone with just 'fuck you, that's why' -reasoning buried in their contracts. There's almost no one who could afford to fight with them even in theory and much less in practise.

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  • [–] 2 points 1 year ago (1 child)

    You realize three times bigger is barely anything right? Also their power per user is significantly higher considering almost everyone who uses it cares for steam but almost nobody cares about their card. If Mastercard tried using their blacklist power people are few more likely to switch card than platform.

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  • [–] 1 point 1 year ago

    I'd bet that there are more mastercard users who haven't even heard about Steam or Valve than there's users on Steam. And MC with others are using their massive leverage right now, what you're going to switch to?

    Also 3 times bigger is definetly something. It's like asking what's the difference between a million dollars and a billion dollars (answer is about billion dollars). Not quite, but effectively the same. And payment processors have the power to practically stop all money transfers to Valve (which they are threatening with already). Microsoft or Apple might have cash to fight that, Valve most definetly could not sustain legal fight with them if absolute majority of their income is cut off.

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  • [–] 3 points 1 year ago

    Exactly, petitioning steam doesn't help, their hands are tied. It's the behavior of the payment processors that needs to change. If they wimp out over every complaint, then we all live at the whims of the whiniest prudes in the world.

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  • [+] -8 points 1 year ago (14 children)

    Under what arguments would we be able to push back on something like this? Most people would agree that these games where distasteful so arguing for them to be put back to not start a slippery slope isn't that easy it seems.

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  • [–] 71 points 1 year ago* (10 children)

    Mainly that the companies controlling nearly all digital financial transactions across the entire globe should not be the arbiters of what is morally acceptable. If they must exist at all, they should just be handling the transfer of funds regardless of what is being bought and sold*.

    *illegal shit would not be protected.

    They are parasitic middle men that don't need to exist in the first place, though.

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  • [–] 23 points 1 year ago* (last edited 1 year ago) (4 children)

    I would go further and say they shouldn't have the ability to block any transaction consumers are making, regardless of legality.

    I basically want them classified like utilities (or the Internet), and the money they're processing should operate like digital networked cash. If I hand you a dollar bill, it doesn't arbitrarily decide to stop being money if it thinks the transaction might possibly be even tangentially related to crime. That's how you end up with these corporations becoming so invasive in the first place, with their overbroad policies blocking entire groups/categories from being in the economy.

    Don't think that I'm pro-crime -- but only actual crime is crime. A transfer of funds itself is only sometimes a crime. You don't see the federal reserve trying to foil small-time drug deals in cash, and for good reason -- legitimate crimes should be investigated by law enforcement, not "prevented" at the whims of overeager corpos. It's not the payment processor's right or responsibility to prevent or they to predict crime, especially once they've built such a system as to become indispensable for most of us. If they are allowed to do that they will always do it the easy way -- blanket bans with massive collateral damage to non-criminals.

    These companies should be disbanded and their systems should be handed over to the public. Hot take, I know, but I'm of the mind that transaction processing (much like air and water) should not be privatized. You may think at this point that I'm a crypto-head, but not really. It seemed promising at one point and may be still, but now it's perhaps permanently associated with unsavory types. I'll use it if it fits the purpose, but expecting the general public to use it as money is insanity. Crypto brought us part of the way there, but such a system can't really flourish in furtherance of the public good in the current environment -- even disregarding the bad PR.

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  • [–] 5 points 1 year ago (1 child)

    Honestly, I am kinda expecting that with the way that America is becoming, something like Monero could become legitimized. There wasn't much reason for crypto to be a currency, so long as the world order remained orderly and useful to the everyday person.

    Should the American Dollar collapse, there would be a howling void that must be filled - it could be Euros, the Yen, Monero, or something else entirely, but the opportunity would be there for currencies to change.

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  • [–] 4 points 1 year ago

    something like Monero could become legitimized.

    And yet banks are moving in the opposite direction and forcing it being banned precisely because it's a threat to their control, unlike Bitcoin.

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  • [–] 13 points 1 year ago (1 child)

    *illegal shit would not be protected.

    They can push for some law that makes certain groups or their depictions illegal. Then it's their morals becoming a law.
    If there's corruption lobbying, there's a way for them to twist "immoral" into "illegal", which is fucked.

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  • [–] 5 points 1 year ago*

    Yeah but that is a whole other can of worms. I am against legal bribery, as well as certain things being illegal. Like drugs. Or most porn. But I also think slavery, CP, bestiality, nuclear weapons, etc should be illegal to buy, sell, or even produce.

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  • [–] 24 points 1 year ago

    See, THAT is not the slippery slope. STARTING to ban ANYTHING at all from legal transactions is the slippery slope. What happens when they decide R-rated films are distasteful? Or birth control?

    Payment processors should have ABSOLUTELY no role in making ANY decisions about what legal transactions they process. Period.

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  • [–] 3 points 1 year ago

    Most people would agree that these games where distasteful

    Regardless, tasteless people have the right to pay for them and play, so... no?
    This is about payment processors censoring shit just 'cos they can. They stick to handling money instead of dictating how that money is used.

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  • [–] 91 points 1 year ago (5 children)

    The article is saying the petition is targeting steam, but the actual linked petition is addressing credit card companies. The text of the petition doesn't mention steam or valve. I don't know what the author of the article thinks is happening here, and they've explained it very badly.

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  • [–] 20 points 1 year ago (4 children)

    As of July 16, Steam's new guidelines state that game publishers should avoid releasing titles that may violate the terms and conditions of its payment processors. In other words, the storefront is asking creators to not only follow the platform's rules but also submit to potential oversight from companies like MasterCard, Visa, and PayPal.

    and from the petition

    MasterCard and Visa have increasingly used their financial control to pressure platforms into censoring legal fictional content

    Steam is enforcing MasterCard's, Visa's, and PayPal's policies. From Steam's Rules and Policies:

    What you shouldn’t publish on Steam: ... 15. Content that may violate the rules and standards set forth by Steam’s payment processors and related card networks and banks, or internet network providers. In particular, certain kinds of adult only content.

    Point number 15 was not there in a Snapshot from February on the wayback machine. If anything, the solution should just be to remove the payment method for those games (which would still hurt the creators substantially).

    There is a line that is confusing:

    In response to this censorship, some fans have launched a petition on Change.org urging Valve to revert its policies

    There may be petitions about reverting Valve's policy, but it's not the main petition against Visa and MasterCard (which is the one they linked).

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  • [–] 13 points 1 year ago* (2 children)

    So yeah, being mad at Valve is stupid, people need to be mad st MC and Visa and probably also PayPal.

    Being mad at Valve is shooting the messenger.

    Fortunately the petition is at least correctly aimed at the payment processors.

    But also...

    If MC and Visa won't budge on their positions, well, if Valve then makes an alt payment system for adult only games...

    MC and Visa go, oh, hey, you're violating our guidelines, we no longer support Valve/Steam, now no one can buy any game.

    This is a MAD situation, Valve would have to come up with a comprehensive payment processing system for everything, in secret, and then deploy it all at once.

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  • [+] -8 points 1 year ago (1 child)

    MC and Visa go, oh, hey, you’re violating our guidelines

    No, that is not how that would work. People cannot buy games that violate MasterCard's and Visa's policies using MasterCard or Visa. If someone buys the game using a different payment method, crypto or a direct bank link, it would not violate MasterCard or Visa's policies because they had no part of the transaction.

    Being mad at Valve is shooting the messenger.

    Being mad at Valve is reasonable, because they did not have to ban all games that their payment processors disagree with. They would need to remove the option to pay with those for certain games, and the process of filtering them out and deciding would take a lot of time, money, and labor. It's easier for valve to just ban it outright, but it is not the right thing to do. Valve is not the reason it started, but there is reason to be mad at Valve as well.

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  • [–] 16 points 1 year ago* (last edited 1 year ago)

    No, that is not how that would work.

    It is, actually, allow me to explain:

    Visa and MasterCard have policies for who they do business with, ie, merchants and vendors.

    The business they do with Valve is the business of processing online payments, Valve is one of their merchant partners.

    They can absolutely shut everything down in the name of upholding their own moral / business standards, via deciding to no longer be a business partner with Valve.

    If Valve uses an alt payment system for adult games, Visa and MC are still business partners with Valve, Valve is now in violation of their partnership guidelines, ergo, Visa and MC drop Valve.

    Visa and MC are concerned with the reputations of the partners they have, in general, not so much with the exact transactions they actually process.

    Being mad at Valve is reasonable, because they did not have to ban all games that their payment processors disagree with.

    No, its not, and Valve did have to act in this way, see above.

    Itch.io and Nutaku just did the same thing after Valve did, you can no longer buy any games that cost money, that have explicit sexual content, so by your logic, its Valve and Itch.io and Nutaku all being unnecessarily censorious, of their own accord, rather than the reality, which is that MC and Visa are strong arming all these digital market places.

    EDIT: In itch.io's case, they even delisted their totally free adult games.

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  • [–] 56 points 1 year ago (17 children)

    Make your own payment processor, Gaben. It's the way.

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  • [–] 13 points 1 year ago (5 children)

    Then people would have to get specific cards or crypto or whatever that aren't Visa/MasterCard in order to buy Steam games. That, of course, is if you can get banks to agree to carry "Steam cards". Either that, or everyone would need to buy Steam gift cards as an exclusive form of payment.

    All of these are much less convenient than keeping your existing debit/credit card to pay for Steam games, and less convenience means less sales.

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  • [–] 7 points 1 year ago

    They would have to roughly make their own form of PayPal, alongside their own bank.

    If you didn't know, PayPal technically isn't a bank, it and Venmo use Synchrony Bank... which is an actual bank.

    If they did something like that, it could work, but it would have to be at a similar scale as PayPal, that is to say, massive....

    Because doing this would/could basically be the nuclear option:

    MC and Visa and PayPal would/could drop them.

    So, they'd have to basically develop a massive project, in total secrecy.

    ... Which is something Valve has arguably done a number of times, they are notoriously opaque as a company.

    ......

    Sort of as you mention, they already have a barebones backend framework to scale up from the steam gift card / user gift card balance system.

    I am... uncertain if their backend for that already does or does not include an actual legally defined bank though.

    ...

    Problem is that this would necessitate a massively costly undertaking, as well as ongoing maintenance costs, and Valve is also notorious for basically running on what most other firms would consider a skeleton crew for the size and scope of what they do.

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  • [–] 7 points 1 year ago

    actually what you want is card network, but even then that won’t do it

    i gave a whole big rundown of why this is all way harder than everyone expects here

    payments is an absolute minefield with so many layers of BS that gets closer to arcane wizardry and back room deals the deeper you go

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  • [–] 7 points 1 year ago (8 children)

    Is that kinda what PayPal is, or was intended to be?

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  • [–] 29 points 1 year ago (5 children)

    Yeah but PayPal's awful. They literally arbitrarily deny you access to your own funds. At least the banks have rules.

    If someone wants to pay me something they can use it literally anything other than PayPal. I don't trust them they've stolen money from me before.

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  • [–] 3 points 1 year ago

    There was an obviously fraudulent charge on my PayPal account and I submitted a request for a refund that got rejected by their automated system. I had to email back and forth PayPal support directly as well as the business involved, showing evidence of multiple address info change requests in quick succession and other strange things about the purchase. When things stalled I threatened to bring the issue to the FTC consumer protection bureau and finally that put the fire under their asses. Eventually I got my money back but it took considerable effort to get them to do the right thing.

    Needless to say after all that I deleted my PayPal account.

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  • [–] 2 points 1 year ago (2 children)

    they've actually paid me after I was scammed by fake stock broker. without fussing about it too. Really easy to get payments reversed.

    Either way I’d be happy to also switch to another method of payment if it were an option.

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  • [–] 2 points 1 year ago (1 child)

    Yeah because in your case they didn't have your money. They're only real pain about trying to get money back, they always support businesses never customers.

    So if I pay for a product and never receive it PayPal always takes the business's side.

    Even Amazon has better customer support.

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  • [–] 1 point 1 year ago

    So if I pay for a product and never receive it PayPal always takes the business’s side.

    waves widely to above said post

    That’s what I said happened to me. It was a scam. They still just ate the cost and paid me the money I lost.

    Now I don’t know if maybe it was the amount, I don’t keep money on pp or I just did something different than anyone else did; I keep every piece of paper, email, name all contact information and detail(it’s kinda in line with my job)it was pretty undeniable I got scammed. Even showed I contacted a consumer bureau over it.

    But either way I said I’d be open to a different way.

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  • [–] 45 points 1 year ago (1 child)
  • [–] 42 points 1 year ago

    But we have to oppose CollectiveShout as well, as in destroy them. They're way worse than I thought

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  • [–] 48 points 1 year ago (9 children)

    I wish it was feasible to hve a large scale boycott of visa and mastercard. american express is already useless so it wouldn't help much to include it...

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  • [–] 29 points 1 year ago* (8 children)

    Or a decentralized alternative that isn't just used to scam people, that doesn't eat up insane amounts of electricity to process, and is as convenient as regular money.

    In reality, private corporations should not have control over money at all. Money is printed by the local government and should be controlled by the local government. Governments generally have better free speech protections than private corporations, which have none. Obviously, free speech protections are not universal, but countries can already ban content in other ways.

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  • [–] 4 points 1 year ago (2 children)

    Alternatives are not so hard, if you allow everyone to exchange and use every currency. Then, well, you need to pay someone selling in currency A - you pay your B's to buy some A's and you pay with them.

    But there are lots of limitations on banking, some in good faith, and some to prevent mobility and make everything tracked. Possibility to track means possibility to decide who gets to do what.

    I think that's why gold standard was dropped in the first place. When all money is guaranteed with gold, and gold (still does) buy money, you do have a universal currency hard to track.

    With decentralized electronic currencies the problem is - you need consensus. There's no way around it at all. You can devise something to separate one consensus into a tree of subspaces, to make it more efficient in case an operation with a coin "123456" depends only on operations with coins from "123*" subspace, or something like that. Partitioned system. So then you don't need consensus on subspaces untouched by your operation. But you still can't have such an offline currency, because that depends on the finite amount of gold, while with electronic currencies double spending exists.

    And I don't know if it's possible to make such an electronic currency anonymous for outside spectators. Zero-knowledge and other buzzwords are good, but I don't know how one can do this.

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  • [–] 6 points 1 year ago* (1 child)

    There is already a PoW crypto that is actually private called Monero. It uses ring signatures to sign transactions and rotating public keys to keep public keys private. It also happens to be relatively stable since it's basically the only crypto that people use as a currency (generally to buy illegal contraband online). It's PoW though, so has the energy consumption issues.

    Since it's PoW, though, it still consumes buckets. Something I thought looked cool was Chia coin, which somehow uses hard drive space as a consensus algorithm which saves a ton of electricity, but I haven't read the whitepaper on that, so I don't fully understand it.

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  • [–] 5 points 1 year ago

    Worth also noting is that Monero also, not too long ago...

    They specifically rewrote/updated the uh, block solver problem that miners solve for a reward...

    They updated it to make ASIC mining basically not work.

    Because they do not want it to be feasible for some rich assholes to build an ASIC mining farm.

    They want mining to be distributed, done by individuals, in remotely collectivized mining pools.

    Yes, it is individually, not as energy efficient as PoS system... but if you have a PoW system, that is specifically difficult to scale a large scale mining operation for...

    Well, then basically no one does that.

    Go lookup how much power gets thrown into Bitcoin or Eth., vs Monero.

    Yep, they have much larger transaction volumes, but they are also way, way, way more energy intensive due to at least in significant part, it being profitable to run a large scale mining op.

    And, not having people able to run huge mining ops, also just keeps things more stable on the value/price/txn speed front.

    Monero is the least worst of all cryptocurrencies in terms of being an actual, private, secure currency.

    Everything else is to a different degree, some kind of a speculative investment asset, the major ones also all happen to be orders of magnitude worse at overall energy consumption, which is largely used to just do crypto forex trading... people still do not really buy anything tangible with BTC or ETH, outside of either basically, or just actually, some kind of scam.

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  • [–] -2 points 1 year ago (4 children)

    Money is not printed by the local government at all. Money is created by private banks through extending credit. And it shouldn't be controlled by the government either, that's a terrible idea.

    I agree with the rest though.

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  • [–] 4 points 1 year ago (3 children)

    Are you sure you're from lemmy.ml...?

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  • [–] 2 points 1 year ago (2 children)

    It's just the first instance I found when I signed up, I didn't know anything about its reputation.

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  • [–] 4 points 1 year ago (1 child)

    Did some quick search and it turns out: There was controversy about revisionism and right-wing talking by the original lemmy.ml admins (and founders). Hence, everyone coming from there with fresh accounts immediately get's the "idiot label", is insulted and downvoted. Not a very welcoming gesture in such a supposed open, liberal and new community of geeks. - It seems, we can either change instaces, delete our accounts or ignore it.

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  • [–] 2 points 1 year ago

    Tbh, I never cared about it much, mine isn't exactly a new account and I haven't experienced what you describe very often. I mostly use lemmy via the voyager app and here I can't even see what instance someone is on, unless I search for them specifically (or I'm too much of a noob and don't know how). So if some people want to base their judgment on that, whatever.

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  • [–] 23 points 1 year ago

    "Hi there, would you like to sign the petition?"

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  • [–] 22 points 1 year ago* (2 children)

    IANAL - Can credit card companies coordinate like this? This seems like price fixing but the other way around. Like one company wouldn't do this alone cause it would drive customers away so they agree to do it together. Does that coordinated monopolistic behavior have president?

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  • [–] 19 points 1 year ago (2 children)
  • [–] 25 points 1 year ago (1 child)

    *Develops an open online payment system that isn't a scam.

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  • [–] 4 points 1 year ago

    I keep seeing this suggested and while I think that would be amazing I really don't think its likely. These incumbents are set up to make things difficult for new entrants to their market. With political will and engagement it would be possible, but in the current world political environment these payment processors would simply buy the right politicians & court officials to ensure that any legislative challenges would be killed in the nest.

    In the world we are in right now we need to instead focus on making the payment processors bend to the will of the majority not a vocal minority.

    We also need to start finding strategies to fight back against paedophilia as an accepted permission slip to let the worst people in the world get away with whatever they want. If its not a disqualifying status for the office of president of the US, then why does the existence of paedophiles mean we (vast majority not paedophiles I hope) have to sacrifice our rights, our privacy, and our free speech?

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  • [–] 14 points 1 year ago

    So, I wanted to see if I could find a list of games that were removed. I found this https://steam-tracker.com/ which is not specific to this event, but useful to keep track.

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  • [–] 12 points 1 year ago

    The major credit cards are essentially infrastructure, and really should not have the right to refuse to serve a lawful business.

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