Thread

1. zug_zug · 1789560804 · focus · HN ↗

   I blame youtube. I feel like any online service provider has a duty to verify your identity on transactions over $10k USD by default and that should be enshrined in law. Honestly maybe lower.

   1. JKCalhoun · 1789561807 · focus · HN ↗

      And yet I see you are being downvoted. The message being sent is perhaps, "No, it's the dad's fault, not YouTube's."

      It's strange to me how much allowance we provide corporations and their schemes to make money, and so little for the stupidity of the users that end up forking over their wages.

      1. iteria · 1789574961 · focus · HN ↗

         I think because kids accounts literally exist and don't allow this. The did didn't set up a kid's account for his... kid. Google had safe guards and he used exactly none of them. I'd blame Google if the kid subverted the controls in some way, but doesn't sound like he did. Either the dad let the kid use the account, lied on account creation for the kid or turned the controls off because they were too annoying (this one I have seen a lot). At a certain point we have to be responsible for our own actions.

         1. zug_zug · 1789578772 · focus · HN ↗

            Okay but like... so what? Like does that even really pass the common-sense test that that is enough?

            Like my bank would give me a phone call before I wired $20k oversees. Google should by default send you a sms confirmation on your first $10k+ purchase. This is the type of common-sense stuff that isn't an issue in-person, but somehow online we get the most barebones protections for consumers because "technically the EULA said so and so."

            Basically if we make the corporations liable for it, we give them an incentive to prevent fraud, identity mistakes, etc. Whereas if they are not, we give them every incentive to avoid unintended purchases.

            1. BobaFloutist · 1789592856 · focus · HN ↗

               Yeah, if I use a credit card in person, isn't it merchant's responsibility to verify my identity to their satisfaction for each and every purchase, and they let someone else (that's not an authorized user) use my card, I'm not responsible for any spending?

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