Incidence is very much on customers, but (high interchange fee) credit card users are getting a rebate of most, if not all, of that. It’s the cash users who AREN’T getting a rebate, and thus the incidence is on them (and people using other low-or-zero cashback payment methods).

All I can say for sure is no store I’ve ever encountered has operationalized the newfound ability to differentially reject some cards yet. I am starting to see grittier establishments offer 5% cash discounts more frequently than they used to, and I’m always happy to pay cash when they do.

But when there’s no discount, why would I forgo better accounting and 3-5% back in points?

But yes, I agree with you that it's surprising to hear people on Hacker News having the 180 degrees wrong impression that the general population appears to have taken away from the one thing normal people care about polling for: during presidential elections.

Arguably more petty. SJ has been dead for almost 15 year now, I imagine the C-suite might get over it at some point.

It is true that Finder is always running, you can’t quit it or kill it.

I retired my 486 in ‘95 or thereabouts…

The size of the pie being so much bigger means the issuer’s tolerance for fraud is much larger, but it’s orthogonal to whether there’s actually more fraud. In practice credit cards fraud actually impacting customers is vanishingly rare at this point.

It’s the same reason credit card issuers are willing to pay Apple a few basis points to participate in Apple Pay: reducing friction has a non-linear impact on propensity to pay.

Storing an LRU KV Cache of all your conversations both in memory, and on (plenty fast enough) SSD, especially including the fixed agent context every conversation starts with, means we go from "painfully slow" to "faster than using Claude" most of the time. It's kind of shocking this much perf was lying on the ground waiting to be picked up.

Open models are still dumber than leading closed models, especially for editing existing code. But I use it as essentially free "analyze this code, look for problem " which Claude is happy to do for an enormous amount of consumed tokens.

But speed is no longer a problem. It's pretty awesome over here in unified memory Mac land :)

This is a bizarre way of saying “if they ship it and it has reliability problems, they know they’re skating on thin ice”.

Apple’s brand has taken a beating (I’m as aghast with the latest macOS as the next nerd), but people love that when Apple ships a product, it generally works and the hardware doesn’t break.

Butterfly keyboards are a terrible stain on the hardware team’s reputation. “Scared” is the wrong word for how these things work.

Turns out people like them. Not so much the HN crowd, but c’est la vie.

For me, Antigravity is possibly the worst GUI experience I’ve had since Clippy.

It’s completely filled with arcane buttons, prompts that are effectively modal appear in at least 3 different places, it’s constantly… doing stuff, without any reference to where I should focus my attention.

I appreciate Google giving away absurdly generous quantities of tokens for FREE just to get me to use the thing, but I can’t bring myself to, because when I get into the flow of a feature with an LLM, I’m suddenly stuck and can’t figure it out.

It’s like peak Google UI for me.

Speed was its main advantage, before. It has become nearly unusable.

The price of extraordinarily rapid iteration, I suppose.

It does eventually finish its quota, but then I just switch to a different Google account (which, amusingly, is what Gemini told me to do).

Happy to consume Google’s free tokens! The free model is a distant third for coding, but it’s fine for leaf node work in a larger project.

That would be heartening, if I wasn’t consuming tokens 10x as fast as expected, and they just had attribution bugs.

Do you have references to this being documented as the actual issue, or is this just speculation?

I want to support Anthropic, but with the Codex desktop app *so much better* than Anthropic’s combined with the old “5 back and forths with Opus and your quota is gone”, it’s hard to see going back

Right now OpenAI is giving away fairly generous free credits to get people to try the macOS Codex client. And... it's quite good! Especially for free.

I've cancelled my Anthropic subscription...

People are mad about buy-borrow-die, so they’re proposing extraordinary new measures.

Personally, I’d just make capital gains taxes apply at the “borrow” stage to actually fix the problem. That would have a host of compliance issues but they’d be localized in the finance industry which already has an army of people figuring out compliance.

I would happily use local models if I could get them to perform, but they’re super slow if I bump their context window high, and I haven’t seen good orchestrators that keep context limited enough.