this post was submitted on 27 Oct 2024
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Showerthoughts
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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
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The current generation is now showerthoughting the same thing people used to say about credit cards.
The difference is when credit cards were introduced their business model was charging customers interest and businesses fees.
Now the business model is making customer profiles to sell to advertisers, insurance companies and anyone else who is willing to buy the data. I don’t want every business I use to be collecting all this information.
After a certain point, wouldn't a company have all the relevant information for a set of people? What happens then?
It’s not “a set of people” anymore it’s you, and there is always more data.
Buy some doughnuts for the office… your health insurance just went up.
You buy a new car which has fancy connected features, but now it sells your driving safety score to your car insurance company.
Buy a vegan ready meal, both vegan food companies and the meat industry compete for your business, you might get a few discounts, but your free will is being influenced.
Err, credit card companies have been doing this for decades
Credit card companies know where you are spending your money, but not what you are buying.
They have been selling your data but it’s less valuable in the world of store apps and online stores where every search and purchase is linked to your email. Still worth opting out of any “data sharing” options your Credit Card company has though.