overdrivetg

> I presume one would have recourse under contract for such a foul up?

Possibly, but delays in construction are what kill you. You can't really FedEx overnight new structural steel framing components, so now you're blocked until they can get

a. rebuilt, and

b. freighted out to you

The name of this index is like clickbait gone awry... Couldn't they have gone for something more like the Perception of Integrity Index since being #1 means "least corrupt"?

But again, in practice banks will loan more money more easily to those with a verified identity that has recourse beyond simple "loss of creditworthiness", so those loans will always be more appealing to those who can get them, and so nonrecourse loans never become a thing for normal citizens who can avoid them.

And those who can't get shunted down into the "Payday Loan" tier of finance and they have to dig themselves back out with the equivalent of deposit-backed credit cards.

But few people will choose a deposit-backed card when they have the option of trading identity for better pricing / convenience. If the online ad industry has taught us anything it is that mainstream consumers will trade their data for even the smallest of considerations.

Even if decentralized financial identity would be an improvement (and it is not clear that it would be), a vision with no practical incentive to get there from here is just the basis for another startup destined for whatever is the spiritual successor to f*ckedcompany.com.

sorry for pedantry but you do mean "this will take 20 hours", yes?

A fun way to play with people who won't believe you is to say OK then, let's play 10 games @ $10/game:

Get 3 cards and pick one to be the prize. Your mathematically-challenged partner gets to put them down each time.

You pick a card, they remove one of the other cards and then you always switch.

I made like $50 from someone this way one time =)

I'm not totally heartless - I took him to lunch on me afterwards to lessen the blow ;-)

If you really want to drill the point home, offer to keep playing more & more batches of 10 until they've had enough...

Assuming you aren't trying to intentionally throw shade on CA rent control:

Rent SUBSIDIES are a hidden redistribution as you discuss.

Rent CONTROL forces recent transplants to subsidize longtime residents

Ie. gov prevents raising rents to market levels for longtime tenants. They are less likely to move, driving up demand for the remaining housing, which is the only stock available for newer residents.

This then costs newcomers more, while longtime residents avoid paying the market rate on their housing - effectively subsidizing the in-place tenants.

Yeah, annoyingly I used to lightly rest my fingers on the brightness/escape function keys, so now every once in a while I won't pay attention and the screen is now either full blast or off >:-[

My brother actually has a company called OnSightEyes.com which uses a smartphone-powered device to measure prescriptions. Their model is to show up at companies and run diagnostics for their employees which are then covered by insurance.

They still need an optometrist on-site, and they have a bunch of sample frames you can try on and order right there, and/or have sets you like sent directly to you to try on later so your partner can weigh in / you can take you time, etc.

Glasses take about a week once ordered and are typically priced such that they're fully covered by insurance. I felt like they were comparable to Warby Parker quality as well.

I was a guinea pig to give them feedback and it was VERY slick - I feel like it took only a few minutes. Way better than the A/B optometrist process and opaque and expensive frame / coatings upsell.

Anyways, apologies for sounding like infomercial - it's just they do a really good job with an upgrade on the kind of device you're talking about so I figured I'd share exactly how it works.

I feel like their main limitation is finding optometrists in new cities who are willing to "try something new" to run diagnosis events - who unsurprisingly tend to be younger doctors less invested in the legacy diagnosis model.