I don't know of any such law or even which organization would be able to make such a law.

Regulation (EU) 2021/1230 covers ATMs to some extent. I think there was a law even broader than EU law but I’ve lost track of it -- or just have a bad memory.

Fee structure is indeed extremely intransparent in most cases. Generally, I have too look up ATM fees in my online banking access and I never know them beforehand. Iiuc, your bank and the ATM-operating bank roll the dice to find out the fees they each want to charge as part of the process of handing out your cash anyway.

The fee structure is indeed very well concealed. Before approaching an ATM the fees are undisclosed and many ATMs demand your PIN as the very 1st step. It’s a shit show for sure. But at least they must inform you of fees before you commit to the transaction, per 2021/1230.

In any case, no store wants to receive notes above €100 because politicians and media have successfully created mental associations between those notes and money laundry/corruption/organized crime.

Yeah I heard Germany has no cash acceptance obligation whatsoever, which by extension supports your narrative that they can be fussy about banknotes, as in France.

This contrasts with Belgium where brick and mortar merchants must accept banknotes. They can reject money that is disportionately sized if they want. E.g. they can reject a €200 note on a transaction of €20 but not on a transaction of €175. Or they can reject a shit ton of coins on a 3+ figure transaction.

I would say mostly true. And that much is driven by Regulation (EU) 2021/1230. If an ATM offers DCC¹, it must show the exchange rate and fees, and it must give a comparison to a non-DCC option, which must be offered (iow, there must be an opt out).

A common practice is to charge a flat transaction fee when DCC is not used, and to charge no fee when DCC is used, because the exchange rate is so terrible they are profitting hand over fist if you use DCC. But the ATMs often do not expressly state that the fee is waived in the DCC case -- they simply make no mention of the fee you would /otherwise/ pay had you not taken DCC. This is because (IMO) the ATM operator does not want users to relise that the exchange rate builds the fee into their fat margin.

I avoid DCC. But then my bank statement only shows how much was taken from my account in the account’s currency, not the ATM’s currency. The ATM receipt (which apparently does not exist in Germany) gives the local currency you pulled out. These two figures leaves you having trust them as far as the fees go. Some ATMs bundle the fee with the withdrawal amount and the drafting bank has no way of knowing what portion was for the fee. And of course neither do you, unless the machine properly informed you. But what if it didn’t? There is not enough information for the end customer to work out what the overhead was in some cases because the exchange rate applied by the account’s custodian is undisclosed.

¹ DCC: dynamic currency conversion

In Brussels there is a library that’s “open” as late as 22:00. There’s an after hours program where you register for after hours access, sign an agreement, and your library card can be used to unlock the door. Staff is gone during off hours but cameras are on. Members are not allowed to enter with non-members (can’t let anyone tailgate you incl. your friends).

I don’t get why my fellow pirates try so hard to justify what they’re doing. We want something and we don’t want to pay the price for it because it’s either too expensive or too difficult, so we go the cheaper, easier route. And because these are large corporations trying to fuck everyone out of every last dime, we don’t feel guilt about it.

Justification is important to those who act against unethical systems. You have to separate the opportunists from the rest. An opportunist will loot any defenseless shop without the slightest sense of ethics. That’s not the same group as those who either reject an unjust system or specifically condemn a particular supplier (e.g. Sony, who is an ALEC member and who was caught unlawfully using GPL code in their DRM tools). Some would say it’s our ethical duty to do everything possible to boycott, divest, and punish Sony until they are buried.

We have a language problem that needs sorting. While it may almost¹ be fair enough to call an opportunist a “pirate” who engages in “piracy”, these words are chosen abusively as a weapon against even those who practice civil disobedience against a bad system.

1. I say /almost/ because even in the simple case of an opportunistic media grab, equating them with those who rape and pillage is still a bit off (as RMS likes to mention).

I think you see the same problem with the thread title that I do - it’s clever but doesn’t really give a solid grounds for ethically driven actions. But it still helps to capture the idea that paying consumers are getting underhandedly deceptively stiffed by crippled purchases, which indeed rationalizes civil disobedience to some extent.

Among the primary benefits: no commute, flexible work schedules and less time getting ready for work, according to WFH Research.

They forgot: being able to secretly simultaneously work 3 full-time overlapping jobs to triple your income.

More fun to mention 11 “states” at a 5.1% uninsured cutoff, because number 11 is Peurto Rico -- a US territory that you might expect to be less developed. Since people are forced to run javascript to see the list, I’ll copy it here up to the 6% point:

1. Massachusetts
2. District of Columbia
3. Hawaii
4. Vermont
5. Iowa (what’s a red state doing here?)
6. Rhode Island
7. Minnesota
8. New Hampshire
9. Michigan
10. New York
11. Puerto Rico
12. Connecticut
13. Pennsylvania
14. Wisconsin
15. Kentucky (what’s a red state doing here?)
16. Delaware
17. Ohio (what’s a red state doing here? OH will worsen over time; to be fair they only recently became solidly red)
18. West Virginia
    …

(22) California (6.5%.. worse than we might expect for CA)
…

(52) Texas ← ha! Of course Texass is last. 16.6% uninsured in the most notable red state showing us how to take care of people

The general pattern is expected.. the bottom of the list is mostly red states.

Can’t read the article (Cloudflare blockade).

In principle there needs to be pushback on the power of defaults for sure. Yes, all the options are shit anyway, but that’s in part due to the #powerOfDefaults.

I wonder if the 2024 diesel Volvos will become high-value collector’s items. There’ll always be that niche of hobbyists who refine their own biodiesel from waste oil.

“The trend of “autobesity” is forcing car park providers to think of new ways to accommodate larger cars, such as introducing wider bays.”

That’s the most disgusting part of this. They are adapting the infrastructure to accommodate the child killers when the sensible approach is #fuckBigCars.

#fuckCars in general.

Indeed. What happened with cars in the US is an “arms race” on the road. Everyone wants to be in the bigger car so they just get bigger and bigger and reach a point where that e=mc² equation is pegged.

max selfishness → max energy

As expected, right-wing U.S. republicans disproportionately drive big cars. While liberals tend to favor small cars or bicycles.

It was certainly a click bait headline. But still a fair point that train fare averages are double airfare. Although we have to question, did Greenpeace throw out the outliers before compiling the stats?

Gender is somewhat relevant here-- according to my women studies course in uni. When women are describing a problem, they don’t usually want solutions. They want support, understanding, & sympathy, contrary to the typical male response which is to give advice & propose solutions, which then has a good chance of ending badly.