Most software is a terrible pile of unreadable code with no tests and horrible architecture choices, that somehow manages to keep working just through the power of years of customers finding bugs and complaining loud enough to get them fixed.
If you write any automated tests at all, you’re already better than most “professional” software companies. If you have a CI/CD pipeline, you’re far ahead.
Was it ever good?
I don’t think you understand how fractional reserve banking works. The first paragraph of that Wikipedia page already clearly contradicts you. The banks can still only lend money they have (otherwise how would they lend it? Where would it come from? Only the central bank can print currency). What fractional reserve banking is saying is that banks can invest some portion of the customer deposits that they hold into non-liquid assets, often in the form of loans to other customers, but it could also be invested in other things eg government bonds. The interest banks earn by doing that helps pay for the interest they pay to customers on their saving. They also have to carefully manage their liquidity: maximising returns while still holding enough liquid assets to cover any potential spikes in withdrawals.
Even when investing customer funds, banks still have to meet captial requirements set by the regulators which basically say that their risk-adjusted assets have to cover the liabilities of customer deposits, so that for example they can’t just invest all the deposits in Bitcoin as that would pose too high a risk of insolvency. The reason SVB went insolvent recently was that they successfully lobbied the Trump administration to relax capital requirements for banks of their size, then made risky investments that lost money and they suddenly had less money than they owed their customers.
Can you tell me more?
Ability to use the internet well means you have a lot of information at your disposal and can educate yourself out of believing in fairy tales
Hah I had the opposite reaction, I’ll surprised how many people there are in this comment section arguing that God is real. I didn’t know religious people knew how to use the internet tbh
Because it perfectly embodies one thing the Lemmy hivemind hates the most about how large, for-profit corporations tend to behave
I figured out the twist within like the first 5 minutes of my first watch (nobody spoiled it for me, but I knew that there would be a twist and was looking for one) and it made the movie pretty boring imo
My first thought when seeing this post was “oh like Tonies but for movies, awesome”
I do. It happened somewhere in my mid-late 30s. The two main contributing factors have been:
Order of those two is very important!
Pretty important detail missing from the headline:
However, if ending the war would include Russia returning the territories that it has occupied and annexed throughout the conflict, only a third (34 percent) of respondents said they would support that decision.
We’ve had guns for 200 years but not ones capable of mass shootings. Semiautomatics only became widely available more recently, and most countries have since banned them from casual use but not the USA
Ah the classic “I’m going to vote no to something good for me because I wanted something even better” argument 🤦♂️
A union is a good idea but this is also something you can and should take into your own hands too. If your wage hasn’t gone up at all in a couple years you should be complaining about that very loudly to your bosses individually. It helps even more if you can get some other job offers to be able to compare your current wage to
I love Lemmy but I find the extreme pro-FOSS bias and hatred of everything else to be pretty abrasive and not conducive to useful or interesting discussion. And that’s coming from someone who both loves to use and contribute to FOSS. But my preferred desktop OS isn’t Linux which apparently according to the Lemmy hivemind is a big no-no.
I think more Lemmy users need to learn that the upvote and downvote buttons aren’t meant to be used to indicate agreement and disagreement respectively, it’s to indicate if a comment is valuable contribution to the discussion regardless of whether or not you agree.
In a post discussing Chrome, a few comments about alternative browsers make sense. But if there are 100s and 100s of comments all just saying some variation of “switch to Firefox otherwise you suck” and those are the only ones that are upvoted, then the whole comment section becomes pointless.
I think there’s a wide range of people on Lemmy too but the extreme right and extreme left have ended up on instances that have been defederated from the main group. So what you’re seeing are the sensible, rational people, and in America such people are considered left wing I guess 😉
I wonder how much of that on Reddit is just bots and shills, ie corporations paying to create and upvote posts and comments that support their agenda
All of my Bluetooth devices work flawlessly these days. What are you using?