6,552 karma · joined September 24, 2010
"The main issue is not that [COMPANY] is working hard to protect itself and its customers, but that customers feel very powerless in these situations. When it takes a massive effort to get attention, especially if you're small and powerless, you feel that you have no control, and that your issues will go unanswered. What can the average, powerless customer who doesn't have the weight of social media, HN, @dang, or others on their side do when their hard-earned money or business is being held, locked, or otherwise prevented, and when the cause is not fraudulent, or if the customer is unaware of that activity? The problem is that accounts are just shut down, moneys are held, and there's no quick or clear communication, with customer support simply saying it's not in their control. It's this feeling of powerlessness that's the issue, regardless of whether or not [COMPANY] is in its rights or doing what it feels is in its and its customers best interests.
What can you do to help empower the powerless customers when their livelihoods are at stake? Can you provide some way to not instantly assume fraud or malicious intent on behalf of the customer and provide some quick and direct way for the customer to feel empowered?"
Having to resort to HN to get major problems resolved that are major customer service and potential legal / liability issues causes me a lot of stress when I realize that I have don't have nearly the same sort of power or influence as some of the others here do on HN. I worry that my complaints would simply go ignored.
@jgrahamc would love you to comment on what we can do to avoid people having to resort to HN for a solution to these problems, which favors the well-connected and squeaky wheels and disfavors everyone else.
Now this was not universally true, but there seems to be at least some anecdotal evidence that in the mid to late 1800s some English language school age textbooks did indeed have this extra character.
Edit: I noticed you edited your comment above with some details. It seems that he used GPT-3 just to create the SQL statement which was then executed locally. So GPT-3 never had the actual data set, just a prompt that included some details of the schema.
As a result I think any sort of "success" here is fairly limited when GPT-3 is blind to the actual data and has limited knowledge of the schema to be able to formulate queries that imply some knowledge of the data.
From the NY Times Article on this topic (https://www.nytimes.com/2023/01/21/business/jpmorgan-chase-c...):
"Mr. Salisbury, a former director of institutional research and assessment at Augustana College, estimates that two million students start college each year for the first time. Having done the FAFSA once, he figured, most families wouldn’t seek help from a company like Frank the second time they needed to and beyond. So if Frank had served five million people in just half a decade, it would have captured a sizable share of new college students who needed financial aid."
Since this has to do with financial aid applications, the number of total possible customers / students is much lower than 20 million. Which means their 5 million number is WAY exaggerated.
Any solutions there?
Imagine for example that your personal bank account was closed and the moneys held by the bank and you had no recourse other than emailing a general inbox or talking to customer support who can't do anything other than sympathize. Without that bank account you can lose your house, car, and assets. It's a very scary and very real thing. The bank can say that 99% of the time, the accounts are closed due to fraud, but you're that poor 1% (according to the bank) and therefore you're just a casualty of the process. There are harms from crooks and fraudsters, but there are harms to the individuals too.
The main issue is not that Stripe is working hard to protect itself and its customers, but the merchants feel very powerless in these situations. When it takes a massive effort to get attention, especially if you're small and powerless, you feel that you have no control, and that your issues (which might not be fraudulent) will go unanswered. What can the average, powerless merchant who doesn't have the weight of social media, HN, @dang, or others on their side do when their hard-earned money is being held, locked, or otherwise prevented, and when the cause is not fraudulent, or if the merchant is unaware of that activity? The problem is that accounts are just shut down, moneys are held, and there's no quick or clear communication, with customer support simply saying it's not in their control. It's this feeling of powerlessness that's the issue, regardless of whether or not Stripe is in its rights or doing what it feels is in its and its customers best interests.
What can you do to help empower the powerless merchants when their livelihoods are at stake? Can you provide some way to not instantly assume fraud or malicious intent on behalf of the merchant and provide some quick and direct way for the merchant to feel empowered?
If someone is ramping up a new business, say a subscription business that will go from $0 in January to over $1M in just a few months, that would easily trigger a fraud system, but it's not fraudulent, it's just a business that's seeing success. How can the merchant work with Stripe in advance to provide signals that there's something legit happening?
"The second category is "on-demand learning", this is the act of acquiring knowledge when the situation demands it, not sooner nor later. "
Which seems to be the sort of learning he aspires to. Learn it when the situation demands it, not sooner nor later. Not-withstanding a definition of the term on-demand learning that conflicts with other definitions of that term.
"I love making fun small projects and learning new things in the process. I’m interested in computer science, physics, math, and pretty much everything else."
Sounds like the sort of on-demand learning he's criticizing.
How many paired training images / text and what was the source of your training data? Just curious to know how much fine tuning was needed to get the results and what the breadth / scope of the images were in terms of original sources to train on to get sufficient musical diversity.