A private bureaucracy compiling data into a consumer dossier. The dossier is then used to judge you. The Fair Credit Reporting Act ought to be applied to this.
In the book Catch-22 character Milo Minderbender helps the enemy conduct an aerial attack on his own base. He successfully defends his actions by pointing out how profitable his syndicate is. “Everyone gets a share.”
AI is the second Industrial Revolution! You cannot use outdated notions. The nature of work and value creation itself is changing. Those who do not embrace AI will be left behind. Soon AI will accelerate in its ability to self-improve resulting in general artificial intelligence. This will result in not just our economy reaching the next level but will illuminate the very nature of knowledge and existence. We will ascend becoming beings made of pure energy.
One of the arguments was to make gambling legal, less harmful, and regulated to protect players from cheating. In my state the state lottery company puts out TV ads. Stores have scratch off vending machines with strobe lights on top. So much for harm reduction and making gambling something that you have to actively seek out.
It's much more effective to address the obesity problem on the front end.
We have fast food and junk food advertising targeting kids. Kids are driven to school instead of walking or biking. School lunches are optimized to be cheap not nutritious. Pediatricians have to tap dance around weight. When the Obama Administration tried to push for healthier lunches there was pushback from the right over government bad, from industry over higher costs, and from school districts over costs. Healthier food for kids could not win a durable political coalition!
The biggest benefit of fare gates is keeping out troublemakers. For whatever reason there is a large overlap between those who don't pay their fare and those who sexually harass other passengers, leave large messes, or vandalize.
The other method of suppressing quality of life crimes and fare evasion is lots of transit cops. It's probably cheaper to install the gates than hire lots of transit cops and arresting people over fare evasion makes the city/transit agency look like bad guys.
Cash handling costs is a real issue though. Not counting under-reporting income, credit cards cost the most at US intercharge levels of 1-3%. Then the all-in cost of cash handling. The lowest cost method is debit.
Employee theft. Store manager theft. Robberies. Counterfeits. The extra time spent at each cash transaction and re-counting at the end of the day. Going to the bank, or paying an armored car service. Banks charge merchants a percentage of each cash deposit. Buying safes and pointing cameras down at each register.
It depends on your definition of scam. Is McAfee a total fraud, not delivering on its core functionality of anti-virus scanning? No. But it's selling something most people don't need and uses information asymmetry, fear, and dark patterns to make money. Microsoft Defender has solved the anti-virus problem. (It doesn't solve the computer security problem but that's out of scope of AV). To play devil's advocate, without bundled bloatware PCs might cost $10 more.
If a software package can't be uninstalled through the normal process and needs a separate uninstaller program, it is similar to malware. Many anti-virus suites and anti-cheat software require this. Take from that what you will.
Mass market GPS navigation devices haven't made learning how to navigate a city like a local obsolete. If you've ever seen a gig economy driver get lost despite having step by step instructions...
I get your point. I assume the intent is to call out companies on marketing good things and trying to bury customer unfriendly things. As a customer you can assume that if a company is not drawing attention to something, it's not good or at least the feature is not there.
Chicago has relatively affordable housing purchase prices as property taxes are very high. The government has taxed away property appreciation. Unfortunately the deferred compensation promises they have made to public sector employees are coming due and further tax hikes are needed.
We don't even need skyscrapers to relieve the housing shortage. Legalizing duplexes, townhome, quadplexes, condos, or three story buildings that contain six units would add a lot of supply.
Realtors are indeed market experts (not product experts). Commission pay incentivizes them to close deals quickly, not to maximize sale price. Yes they can educate first time buyers that they cannot simultaneously get the best location, condition of the house, and price. Good realtors will ask their customer which two (or sometimes one) are their real priority and realistically match them to available listings. If you're moving into an area they can provide some local information although they legally cannot comment on schools or crime. If you've done this before, realtors mainly just serve as gatekeepers to a cartel and literally unlock houses for you to view.