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this post was submitted on 17 Jan 2024
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So this will just make sure they put either extra charge on credit cards or disallow it entirely, fucking over everyone, not just those who overdraft
Could easily be turned around, "when you get a credit card, you are incurring a risk. Sometimes that risk will be realized. If you don't like it, don't incur that risk." Don't spend more than you have and you won't get a charge.
Yes exactly. Either side could incur the risk. The government can set the rules. I prefer when they say the rules to protect people first and companies second.
Should make it so that you can't overdraft by default. That way people aren't accidentally fucked over by fees since you can't overdraft. Give the option to overdraft to those who want to have the option, but then also they are taking the risks.
Penalizing companies accepting cards will needlessly fuck over everyone.
Yup, that would also be a good approach.