[daniel-cussen]

I just can't be bothered with miles or points, on the credit card, on the airline, nah, like the point in Super Mario World, I think a gold coin is 10 points, everything is a multiple of 10 points, and...and I don't remember a single score I ever got. Just the stupidest thing.

I know I will never benefit from cashing in miles. It's too restrictive. They make sure you don't end up ahead. Their UI's are shit, it's better to just call on the phone and buy the ticket outright, just cash. And if you can't pay that, don't fly, tell your relative it's not happening and that's it.

Just like I could have gotten better credit by getting a credit card, but nah. Credit...points...fuck that. GPA also, grade point average. No idea what my college GPA even is. Or my credit score, the shitty UI's again, deliberately designed so your credit score is a kick-me. If it is a conspiracy (and patio11 said as much, you're the product in those credit score systems, it's about justifying higher interest on your debts, and getting people to borrow more, pay more interest. It's all usury, usury and nothing else), so if it is a conspiracy, let it continue to be a conspiracy, without my ever bother reading the "Kick me" on my back. Never looking in a funhouse mirror of the shitty UI.

I know that "Kick Me" is there, sure. But give it no weight. Never buying into changing myself to game my credit score. Pay my debts in order from lowest interest to highest, try to pay what ought to be paid, sure, but also default on whom it is right to default. Like if I'm being robbed by the shitty UI? Refuse debt I ought to refuse. And refuse receiving compound interest, tried getting a pure checking account with no savings (no overdraft fee stealing as a result) but banks generally won't do it.

Bottom line, shitty point systems go hand in hand with shitty UI's.

[willy_k]

Ok you’re not wrong that the UX of many of those apps isn’t great, but you should still try and stay on top of that stuff. Banks aren’t going to accept “bad ui” as a valid excuse for a shitty credit score when you want a mortgage, and your parents won’t when you fail out of college. Also, anecdotally, points back from things like airlines are pretty nice as long as you’re going to be flying anyway. Sure it’s not worth it if you’re choosing an airline or route just for the points, but over time they’ll add up even if you just collect the points from your normal travel. This is a bit of a unique situation, but for example I’m getting a round trip to Europe, possibly business class, for $71 in taxes, because the person I’m going with flies very frequently for business but still gets the points from those comped flights.

Essentially, don’t discount point systems, and please for the love of god fight through the bad UX when it comes to actually important shit like college and banking.

[daniel-cussen]

Yeah, with the mortgage...I don't know, I think I could realistically find a bank that will accommodate my religion, Christianity. Especially if I show them something really cool we could do. Or 0% interest mortgage, that'll happen in like 5 years in America. Or just buy a house for cash. It can be done.

[thebean11]

You think a bank is going to loan you hundreds of thousands of dollars because of your religion? I'm not even sure what you mean by that.

[daniel-cussen]

The alternative is the bank imposing Satanism on me. Money is the root of all evil.

And you haven't seen my research. Math research based on the Book of Matthew, King James Bible.

Or you know what? Maybe I can somehow come up with the money. Somehow, to pay cash.

[paulryanrogers]

Is this supposed to be sarcastic? Can it be stated plainly for those of us who are a bit slow?