It actually depends on which credit bureau CashApp is contracted to use. If they use TransUnion, then you'd need a TransUnion account and freeze your credit report there.

That is one defense for having an open system, but that only affects services who use these systems. The article doesn't mention if CashApp actually used her social to check credit, or just took the attackers' word by checking if the SS was valid and provided credit.

The other problem is that there isn't just one credit system, there are 3 major ones for general consumer credit, and other specialty ones (Innovis, etc; I had a list somewhere but can't seem to find it; AI might be a friend here).

It would be a significant improvement if full names with middle name and maiden name/name changes (if any), date of birth, and SSN were published:

Because then nobody could keep using them like they're a password, and would have to find actually secure ways of identifying people.

Only SSN is not public information. They are not published, but the records are public if you go to the right place in person and ask the right questions. (sometimes you have a "need to know" before they will tell you, but it isn't hard to find one)

Even SSN is not private - you need to share it with enough people that it is safe to assume bad people have it.

Connecting an ID to a individual person is very hard. It is even harder when that person is not physically there.

One of the more irritating forms of "ID" now is asking people to upload a driver licence photo, passport photo, or take a selfie of themselves.

No way will your future spouse be an AI entomed robot, with a percentage of your salary endowed to the corporate owner of the hardware.

But, Willie isn't real?

No, but now you can talk to a model that pretends to be Willie ;)

Could be, but your income should be going up in unison. If its not, its time to re-evaluate your career. Cost of living adjustments should be keeping pace with inflation, which is also a check-and-balance for business owners, to realize inflating costs to customers isn't necessarily a good thing.

If you're not getting that, you're being scammed.

Correct. Anyone who is not in the ownership class is getting scammed. Minimum wage hasn't went up in forever, union participation down, college graduates are getting stiffed at the finish line, etc. Don't be asinine and act like a systemic issue is someone's personal problem. It's like telling someone in medical debt "well, don't drink and you won't get cancer."

Freeloaders. It tells you something about the relationships that those "friends" choose to build.

If the only friends you have are those you have to pay, when the money's gone, are they likely to stick around? (Likely not)

But if they do, then maybe you've found a true friendship.

> Freeloaders. It tells you something about the relationships that those "friends" choose to build.

What a wonderfully American comment..... the very idea that somebody is financially benefiting who dosn't 'deserve' it is an athema to your society.

Maybe OP's friends simply had less money (the horror!)? Or perhaps they had more children, so less time to cook and less time to spend with friends?

Not everything in life is zero-sum monney game. After all, have you ever wondered why children climb trees?

It is not about money it about that you start to feel like they take you for granted when every time we did plan a party or dinner, me hosting it was always the best or only option according to the group. If it was a few times then it would not be an issue but systematically it always being me hosting takes the fun away.

I now have an other friend group and I have gotten tired with cooking for a x-amount of people.

Indeed. The way it worked for me if its at home, I am fine with cost of grocery and some drinks, it wasn't that much for me and cooking is fun. On the other hand if party is in restaurant / bar I bailed because cost is too much whether its each paid for their food and drinks or total cost divided by number of people.

No need to suspect ;)

Family and community are highly valued and protected in their culture. Something Americans have lost their way from.

Face validity. Someone may have pulled together numbers for this in a study, but this area is a new facet of interpersonal behavior at a macro-economic level, so there won't be much published on the subject yet.

You'll want to try and expand your circle of friends to include those that are the planning type and will bring variety to the location. Either that, or start changing the location.

If you don't, people will get bored and eventually the group will disband.

Correction - highly intelligent people.

Its the same playbook, over and over again.