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Re:Hindenburg Research Outs Block Inc as Fraud by bfeynman on Thursday March 23, 2023 @09:36AM (#35274569)
That is entirely on you if you give away your phone to those kids. I would think they would just run away with it
Re:Hindenburg Research Outs Block Inc as Fraud by hoofhearted on Thursday March 23, 2023 @09:54AM (#35274842)
You’re minimizing major fraud being committed by juveniles, and it’s easy money for them lol.
Re:Hindenburg Research Outs Block Inc as Fraud by lotsofpulp on Thursday March 23, 2023 @11:05AM (#35275942)
It is not fraud, it is theft.

It has nothing to do with Cash app. It could just as well be Zelle, or PayPal, or Venmo, or physical cash.

Re:Hindenburg Research Outs Block Inc as Fraud by starkparker on Thursday March 23, 2023 @11:25AM (#35276294)
Zelle, PayPal, and Venmo have more in place to trace or recover illegal transactions, or at least to make creating and deleting accounts to move illegally acquired money more difficult.

The link's whole thesis is that Cash App doesn't really care, which is why criminals prefer it. Being so radically frictionless for the underbanked also facilitates scams, including those that distinguish between theft and fraud.

Re:Hindenburg Research Outs Block Inc as Fraud by cccybernetic on Thursday March 23, 2023 @09:54AM (#35274847)
I was born outside the US and we had local gangsters that would walk up to you in the middle of the street and try to “sell” you a brick. Like a brick that you build a house or wall with. They would show it to you, and tell you that it was a great brick and that you should buy it. If you told them you didn’t want the brick, they would assure you that yes you most certainly do want the brick. You then bought the brick from them. You can probably image what the brick was used for if you refused to purchase it.

I'm not familiar with this situation, but I'm assuming that whoever is doing this isn't there to "clean" your windshield, and that the entire "transaction" is imbued with the implicit threat of violence and intimidation. You're essentially being robbed through other means. If this isn't the case, then I'm happy to admit that I'm wrong, but that's how it reads to me.

Re:Hindenburg Research Outs Block Inc as Fraud by imwithstoopid on Thursday March 23, 2023 @10:26AM (#35275333)
> I'm not familiar with this situation, but I'm assuming that whoever is doing this isn't there to "clean" your windshield, and that the entire "transaction" is imbued with the implicit threat of violence

not in the US - millions of people keep loaded guns in their vehicles

Re:Hindenburg Research Outs Block Inc as Fraud by arcticbull on Thursday March 23, 2023 @10:55AM (#35275764)
Do you have a reference on that number? I’d love to know what the number actually is.
Re:Hindenburg Research Outs Block Inc as Fraud by bombcar on Thursday March 23, 2023 @11:11AM (#35276072)
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3937627 has some numbers:

> During the Coronavirus pandemic, the number of concealed handgun permits has soared to over 21.52 million – a 48% increase since 2016.

Given that some states are "constitutional carry" (21 states) and do NOT require a permit if you legally own the gun, the actual number of people who HAVE a gun and can carry it would be higher than 21 million. They even do the math:

> To summarize, the total number of permits in the US is at least 21.52 million. Add in people who legally carry without a permit, and the number clearly becomes much larger. While 8.3% of the adult population has permits, the percentage of Americans who say that they carry most or all the time is about 5.4%.

5.4% of Americans is about 17 million people, the majority of which will carry when in their vehicle. (Note that legally and technically you are "conceal carrying" in many states if the gun is IN the vehicle, not locked, even if it is NOT on your person - so if you're married and YOU carry, you will want your spouse to get a CCW also even if he or she never carries, because if you're both in the car, the gun is in the center console, and you step out to get gas, your spouse is now concealing).

Re:Hindenburg Research Outs Block Inc as Fraud by reaperducer on Thursday March 23, 2023 @09:59AM (#35274911)
This happened to a friend of mine in Atlanta.

Someone tried to sell her a rock at a traffic light. When she wouldn't buy it, they used it to smash her rear driver's side window and grab whatever they could from inside the car.

Re:Hindenburg Research Outs Block Inc as Fraud by cal5k on Thursday March 23, 2023 @10:05AM (#35275010)
Risky move, given that Georgia is a constitutional carry state and castle doctrine extends to occupied vehicles.
Re:Hindenburg Research Outs Block Inc as Fraud by birdyrooster on Thursday March 23, 2023 @10:31AM (#35275404)
Im pretty sure most guns are owned by hoarders sitting in a cabinet somewhere they aren’t likely to be in someone’s car who is ready to use it. Gun owners are a minority and they are just very enthusiastic individuals that they seem like a larger contingent than they are.
Re:Hindenburg Research Outs Block Inc as Fraud by paisawalla on Thursday March 23, 2023 @10:41AM (#35275571)
In 2020 this poll found 32% of Americans report owning a gun, and 44% live in a household with one. So not "most", but not insubstantial either.

https://news.gallup.com/poll/264932/percentage-americans-own...

Re:Hindenburg Research Outs Block Inc as Fraud by imwithstoopid on Thursday March 23, 2023 @10:48AM (#35275668)
there are over 400 million firearms in the US in the hands of an estimated 100 million individuals

over two million background checks for firearms purchases are performed each month, and this number is rising, and the number of people who are being background checked for the first time is rapidly rising (fastest growing group - black women)

by 2030 there will likely be a half billion firearms in the US

there are more fully automatic rifles registered to individuals in Texas (40k) than are in possession of many NATO armies...for semi-auto pistols and rifles, Texas residents outgun most NATO armies by a substantial margin

these are stats that both gun advocacy and opposition groups will be happy to validate (each believe the numbers support their position)

anecdotally, it is very common here in Texas to read of traffic altercations in which both parties involved in road rage incidents were carrying in their vehicles...it is widespread

Re:Hindenburg Research Outs Block Inc as Fraud by bombcar on Thursday March 23, 2023 @11:13AM (#35276102)
Posted elsewhere but https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3937627 has numbers to back some of this up

Also according to the Small Arms Survey, Texas has five times as many guns as the US military.

Though the US military ones are more likely to have select fire and fully automatic but those are only particularly useful in certain situations.

Re:Hindenburg Research Outs Block Inc as Fraud by JoeAltmaier on Thursday March 23, 2023 @10:51AM (#35275715)
Mine is in my truck. So that's 1 data point.
Re:Hindenburg Research Outs Block Inc as Fraud by reaperducer on Thursday March 23, 2023 @10:50AM (#35275697)
Risky move, given that Georgia is a constitutional carry state and castle doctrine extends to occupied vehicles.

Not really. By the time a seat-belted person gets to their gun, whether in a holster, under the seat, in a purse, or in the glove box, the thief is long gone.

Real life is very different from the movies.

Re:Hindenburg Research Outs Block Inc as Fraud by Fatnino on Thursday March 23, 2023 @12:33PM (#35277317)
You are asserting that it takes a long time to get a gun out.

I remember a few years back there was some controversy about how police are trained to shoot first and one of the things that bubbled up then was a video (I think produced by someone teaching the police) of a seated driver drawing a gun and having it pointed out the window in a fraction of a second. The gun was in a holster down by the seat belt buckle. And the next instant it was pointing out the driver's window.

Re:Hindenburg Research Outs Block Inc as Fraud by reaperducer on Thursday March 23, 2023 @05:23PM (#35281488)
Makes sense for a seasoned criminal, of the type who might shoot a cop.

Joe Lunchbucket isn't likely to be so agile.

Re:Hindenburg Research Outs Block Inc as Fraud by tristor on Thursday March 23, 2023 @05:35PM (#35281618)
Statistically speaking, Joe Lunchbucket, is likely a better trained shooter than the police, most of whom only fire their guns once a year to qualify and have to meet lower accuracy standards than CHL holders in 32 states.
Re:Hindenburg Research Outs Block Inc as Fraud by brookst on Thursday March 23, 2023 @11:05AM (#35275938)
Why risky? Assuming the person with the rock knows this and is armed, they're probably ready for a would-be Rambo and they're much better positioned to shoot first, or at least they'll have the draw and be able to take your gun right off of you.
Re:Hindenburg Research Outs Block Inc as Fraud by dfxm12 on Thursday March 23, 2023 @10:08AM (#35275052)
Yes, don't give your phone away, but it's also on CashApp if they allow large transfers with no further authentication, even if we're not talking about literal scams and you just mistakenly fat fingered an extra 0...
Re:Hindenburg Research Outs Block Inc as Fraud by gessha on Thursday March 23, 2023 @10:18AM (#35275198)
Ah, yes, it’s the people who got scammed who are at fault. Everyone should always be ultra suspicious of everyone around them, no happiness or fun allowed. \s

I want to live in a world where I can trust a random stranger, not suspect them of robbing me. Justifying some extra protections like a pin or a fingerprint check to finalize a transactions should not be this big of a deal.

Re:Hindenburg Research Outs Block Inc as Fraud by rowls66 on Thursday March 23, 2023 @10:30AM (#35275390)
I think that most other people would as well. Unfortunately, there are enough people willing to take advantage of that good will that you are a fool if you are not somewhat suspicious.
Re:Hindenburg Research Outs Block Inc as Fraud by yeahsure22 on Thursday March 23, 2023 @11:01AM (#35275866)
You do live in that world. You can trust random strangers but not ones the look like “youths” in Baltimore. Use your brain to asses the risk level.
Re:Hindenburg Research Outs Block Inc as Fraud by knodi123 on Thursday March 23, 2023 @12:13PM (#35277030)
Can you give me more detail about what physical characteristics define a "dangerous youth" in Baltimore?
Re:Hindenburg Research Outs Block Inc as Fraud by hoofhearted on Thursday March 23, 2023 @01:20PM (#35278060)
Ones who are under 16, but are smart enough to intentionally extort drivers on the main thoroughfare to T. Rowe Price and Legg Mason’s headquarters lol

They are all actually pretty intelligent individually, and they come up with some pretty clever things to get into. A bunch of them come from rough homes, and they are usually taking the cash home to support their family, even at 15. They are supposed to be in school, but they skip to go squeege because they don’t feel like the things in school are relating to their struggle. They have tried the regular 16 year old jobs, but that doesn’t pay enough to cover their struggling mom and siblings. Instead of losing out to low wages and income taxes, they find it much easier to pick up a squeege from a gas station, and start making some instant cash in tips.

These kids are super smart lol. Pressure breeds diamonds. They know how to hack the Lyme scooters and ride around and commit crimes. They know how to scam you out of your cashapp balance. And they really know how to download and build burner handgun kits from Defense Distributed :(

Re:Hindenburg Research Outs Block Inc as Fraud by bryanlarsen on Thursday March 23, 2023 @11:13AM (#35276105)
If you choose a stranger at random, you can likely trust them.

If somebody chooses you, you're not choosing at random.

Re:Hindenburg Research Outs Block Inc as Fraud by gessha on Saturday March 25, 2023 @12:40AM (#35299481)
Technically yes, because you’re not choosing at all but they’re still random to me since they’re not from my circle.
Re:Hindenburg Research Outs Block Inc as Fraud by bryanlarsen on Saturday March 25, 2023 @08:01AM (#35301808)
It's not random at all. They're selected from the pool of people who will approach you.

Let's simplify. Say that 1 in a million people pull the stranger needing help scam, and will approach you given the opportunity. Everybody else will only approach you if they actually need help, which is rare, say 1 in a million.

So in that scenario 50% of the people approaching you are criminals, compared to 1 in a million who are actually criminals.

Re:Hindenburg Research Outs Block Inc as Fraud by throwawaysleep on Thursday March 23, 2023 @11:44AM (#35276567)
> I want to live in a world where I can trust a random stranger

This is and always has been utterly delusional.

Re:Hindenburg Research Outs Block Inc as Fraud by gessha on Saturday March 25, 2023 @12:47AM (#35299523)
I disagree and I think it’s a matter of perspective.
Re:Hindenburg Research Outs Block Inc as Fraud by cornholio on Thursday March 23, 2023 @10:37AM (#35275507)
Furthermore, even if they have a bad design facilitating street thuggery, that has nothing to do with the business itself being a fraud.