this post was submitted on 17 Nov 2025
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Big brain tech dude got yet another clueless take over at HackerNews etc? Here's the place to vent. Orange site, VC foolishness, all welcome.

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Want to wade into the sandy surf of the abyss? Have a sneer percolating in your system but not enough time/energy to make a whole post about it? Go forth and be mid: Welcome to the Stubsack, your first port of call for learning fresh Awful you’ll near-instantly regret.

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The post Xitter web has spawned soo many “esoteric” right wing freaks, but there’s no appropriate sneer-space for them. I’m talking redscare-ish, reality challenged “culture critics” who write about everything but understand nothing. I’m talking about reply-guys who make the same 6 tweets about the same 3 subjects. They’re inescapable at this point, yet I don’t see them mocked (as much as they should be)

Like, there was one dude a while back who insisted that women couldn’t be surgeons because they didn’t believe in the moon or in stars? I think each and every one of these guys is uniquely fucked up and if I can’t escape them, I would love to sneer at them.

(Credit and/or blame to David Gerard for starting this.)

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[–] froztbyte@awful.systems 15 points 3 days ago (18 children)

good god

The statistics back up his unease. Buy-now-pay-later services have exploded to 91.5 million users in the United States

with the rapidly checked population number I found (340.1m), that's 26.9%

..., with 25% using the services to finance their groceries as of earlier this year

perfectly normal, I'm sure nothing can go wrong here. and this won't be tied in with just the recent SNAP shit, either

what's the german word for "the feeling you get when you know the bolts on the rollercoaster are shaking loose incrementally and you can see the Unscheduled Rapid Disassembly Event coming up"?

[–] fullsquare@awful.systems 7 points 3 days ago* (last edited 3 days ago) (3 children)

it's worse than that, you should probably take number of adults (as in, 18+) as base here, and it's 78% of them (267M), according to first random source i've found, so it's closer to 34%

from what i understand, american anomaly is that they take debt like that even when not strictly necessary in order to pump up their credit scores which might be useful later, but even then, 9% of population relies on going to loan shark the app in order to get food, absolutely nothing to look at here, move along,

[–] mirrorwitch@awful.systems 9 points 3 days ago* (last edited 3 days ago) (1 children)

And most stats are flying under the radar because the Trump administration has made it impossible to get reliable data on things. But at least we live in a rational market system that optimally allocates resources, so I'm sure the decision-makers will handle this situation wisely and—

Not wanting to be left behind, more established finance companies are racing toward BNPL now, too … What started as a niche checkout option is becoming embedded financial infrastructure.

Morris sees this shift happening everywhere. “When I talk to some of these software companies that are now embedding payments, lending and insurance,” he told me, “and you say, ‘Okay, five years from now, where are you going to make your money?’” the answer surprises even veteran investors like him. “They say, ‘You know what, I think I’m going to make more money in embedded finance than I am in my core software.’”

Continued Morris: “It starts off as a nice little add-on, but when the powers of the marketplace drive down the returns in the core business, it’s often these financing businesses that have the greatest longevity and market power.

"I've made a self-licking lollipop so the fun times will never end and I see no way this could ever go wrong."

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