It costs money. Getting an ID here costs about 5% of minimum wage if you order it online + travel (you still have to travel there for the photos and pickup). It costs even more if you apply in person.
You could buy 19 gallons of milk for that money (80 liters).
The geoblocks happened because of our (EU) governments making punitive rules of the website doesn't follow European standards. It's easier for an American website targeted at Americans to just not bother with Europeans.
That may explains the news sites with thousands of cookies and tracking bullshit, but it doesn't explain small brick and mortar stores blocking traffic
Why wouldn't it? It exposes them to unknown risks because they're not lawyers while providing negligible returns since they are not geared towards a European audience.
>"[...] But we should claim the right to suppress them [intolerant ideologies] if necessary even by force; for it may easily turn out that they are not prepared to meet us on the level of rational argument, but begin by denouncing all argument; they may forbid their followers to listen to rational argument, because it is deceptive, and teach them to answer arguments by the use of their fists or pistols."
The paradox of tolerance is not about censoring others. If anything, censorship lands on the side of the intolerant of this paradox.
Something to consider is that input tokens have a cost too. They are typically processed much faster than output tokens. If you have long conversations then input tokens will end up being a significant part of the cost.
It is in the specific case that you don't have biometric or PIN login set up on the device and you use a password manager that doesn't require authentication. In that case, the only factor is "something you have". Otherwise, it is still a multi-factor authentication because the device itself still represents "something you have", and your device unlock represents "something you know" or "something you are".
The "app" is probably a web page written in JS. Rarely its a native app in either Kotlin or Swift but then you have to maintain 2 different apps in 2 different languages with 2 different OSes for the devs. So unless the app really specifically requires something special, its just a web page. Even (and especially) your banking app.
I would stop using bank requiring phone app to do banking, simple as that, both my main EU accounts use sms verification codes and extra password, which is fine with me. If they will require an app, they will lose customer.
I find that a convenient UI becomes the most important aspect of some applications (to-do list, alarm clocks etc). Getting it to be exactly the way I like it is a benefit by itself.
I've been thinking of making a note taking app for my phone as well. The 10 or so that I've used all have had issues that made me not like them for one reason or another. Eg 16k char limit per note, no searching inside a note, broken bullet lists, long startup time etc.
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