this post was submitted on 15 Feb 2024
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Microblog Memes

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A place to share screenshots of Microblog posts, whether from Mastodon, tumblr, ~~Twitter~~ X, KBin, Threads or elsewhere.

Created as an evolution of White People Twitter and other tweet-capture subreddits.

RULES:

  1. Your post must be a screen capture of a microblog-type post that includes the UI of the site it came from, preferably also including the avatar and username of the original poster. Including relevant comments made to the original post is encouraged.
  2. Your post, included comments, or your title/comment should include some kind of commentary or remark on the subject of the screen capture. Your title must include at least one word relevant to your post.
  3. You are encouraged to provide a link back to the source of your screen capture in the body of your post.
  4. Current politics and news are allowed, but discouraged. There MUST be some kind of human commentary/reaction included (either by the original poster or you). Just news articles or headlines will be deleted.
  5. Doctored posts/images and AI are allowed, but discouraged. You MUST indicate this in your post (even if you didn't originally know). If an image is found to be fabricated or edited in any way and it is not properly labeled, it will be deleted.
  6. Absolutely no NSFL content.
  7. Be nice. Don't take anything personally. Take political debates to the appropriate communities. Take personal disagreements & arguments to private messages.
  8. No advertising, brand promotion, or guerrilla marketing.

RELATED COMMUNITIES:

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[–] experbia@lemmy.world 1 points 2 years ago (1 children)

you misunderstand the function of the score. it's not a score that tracks how reliably you pay back your debts, it's a score that tracks how profitable you are as a debtor. someone who pays it all back before masses of interest can accumulate is not profitable. someone who doesn't pay it back and drowns in the interest is also not profitable. the best scores are for the people in between, who make the creditors lots and lots of money consistently.

It's for this reason that "building credit" over time is ridiculously easy if you game it properly - it's basically pay to win. the more consistently you pay interest but without looking like you're drowning, the happier they are. it's why having some utilization gets you better scores than paying everything off completely and having 0 utilization every month.

i agree it's very stupid in terms of incentivization and think it's probably the worst measure of social value we could have arrived at.

[–] SchmidtGenetics@lemmy.world 1 points 2 years ago

Nah, the system is fucked, I understand how it works, but it’s not how it should work.

But thanks.