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Joined 1 year ago
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Cake day: June 15th, 2023

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  • I think windows is a pretty good middle ground. Yes it’s annoying that you might need to install a 3rd party tool to give you a right click menu option to take ownership of any file/folder, but at least you can do that and it’s easy. And for normies that don’t have Linux-fu they’ll get into a lot less trouble than if you give them Linux.

    MacOS on the other hand, if there’s something Apple decided users are too dumb to be allowed to do (which it turns out, is a lot of stuff), then you just can’t do it, period.






  • 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.













  • miridius@lemmy.worldtoFediverse@lemmy.world*Permanently Deleted*
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    1 year ago

    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.



  • So the way Lemmy works is that a instance will only know about (and have the content of) a community if a user on that instance is subscribed to it. So when you browse All or search, only those communities that someone on the instance is subscribed to are included in the results. On a smaller instance that’s naturally going to be fewer communities.

    Now if you search for a specific community by its URL that the instance doesn’t yet know about, it will actually go and fetch it for the first time. What this looks like to the user though is that the search shows no results, then suddenly 5-10 seconds later the results change and the community appears. Which is not a great UX for someone new. So again on an instance with more people it’s a lot more likely that someone else has already searched for and subscribed to what you’re looking for so that you don’t see that issue