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Mutual aid spam is becoming a problem on the Fediverse.
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Again, the phone and the service, at least, when I was homeless in 2019, was covered along with other social services such as SNAP and Medicaid.
And again, I completely agree about not handing money out online. Just disagreeing about homeless folks having accessibility to a phone or the internet. And Public libraries or anywhere with wifi (if you have a phone) are other options.