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Joined 2 years ago
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Cake day: June 17th, 2023

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  • Credit cards, for instance, are not required but extremely useful. For instance, my recollection is that when booking hotels or rental cars with a debit card they will put a hold on your account for collateral. This could be a problem if you’re living paycheck to paycheck. If you have a credit card, you may get a hold as well — but this is just reducing the amount of available credit. Functionally this is the same, if you have enough money, but if you’re living on the edge and your rent money is in your checking account, this is pretty unfortunate in the case if a debit card.

    Additionally, credit cards offer consumer protections, including chargebacks. My understanding is that debit charges are much more difficult to dispute.

    And, in the US, for many people not in urban centers, owning a car is essential for life/work. Quick Google search claims, in relation to savings, “The median balance for American households is $5,300.” So if your car bites the dust, buying a new (used) car may not be possible without a loan.

    You’re right though, it’s certainly not literally required.


  • Given the effect it has on credit score, it will perhaps be more difficult to accumulate debt — it will be harder to take out large credit card, mortgage, or other loans. Probably not applicable to medical and whatnot.

    In theory I think it makes sense: loans should be a privilege not a right, or something like that. But in reality, loans are essentially required for modern life, at least in the US. So the people who can least afford it end up with loans with ridiculous interest rates (even if the total loan amount is smaller than it would be pre-bankruptcy).

    I am fortunate enough to be able to pay off my credit card every month, so the interest rate doesn’t really matter. It’s a great, but dystopian, example of positive feedback: those who can afford pay less (no interest), and those who can’t afford pay more (interest).







  • I get that it’s a meme, but what’s the problem? I’m vegetarian/flirt with veganism; it’s purely for moral/ethical/environmental reasons.

    Indian food is delicious. An Impossible burger on a pretzel bun dripping with grilled onions, avocado, vegan aioli and mustard with a side of steak fries? That’s also delicious, in my opinion.

    Meat is delicious, and that’s not at all incompatible with my reasoning for being vegetarian.



  • As a general rule, if you set out to design an experiment to show that light is a wave (or a particle), it will behave as a wave (or a particle). The more fun thing is to show that it behaves as both, which can be done by utilizing sensitive detectors and exploiting interference patterns.


  • I think the best way of thinking about it is that it’s neither. Vaguely speaking, “quantum stuff” can be described very well by math, and this math has some elements of “waveness” (think wave equations, interference) and “particleness” (think ladder operators or maybe position eigenstates). But that doesn’t mean it’s one, the other, or even both — it’s described by some math, and that math is agnostic as to what you call it.

    In our macroscopic experience it’s easy to divide the world into these two convenient buckets, but the reality is different.

    Personally I think this weirdness is exploited by popsci to get more clicks, but maybe that’s just my jaded opinion after years of grad school…





  • Just because something is available for free doesn’t mean it’s better for all use cases. There are cases where Oracle will perform better than Postgres (and vice versa of course).

    And there’s a business case for finger pointing — security issue with your open source DB install? It’s either your fault (configuration), or the fault of some possibly volunteer engineer (bug). But if you pay enough, the whole thing is Oracle’s problem, and you can tell investors with a straight face that it’s not your fault. And Oracle are big enough that it’s an easy decision to defend should something go wrong (which is something of a self fulfilling prophecy, but that’s the way it is).

    But yeah, whenever I need a database it’s Postgres :)