Most software is a terrible pile of unreadable code with no tests and horrible architecture choices, that somehow manages to keep working just through the power of years of customers finding bugs and complaining loud enough to get them fixed.

If you write any automated tests at all, you’re already better than most “professional” software companies. If you have a CI/CD pipeline, you’re far ahead.

Was it ever good?

I don’t think you understand how fractional reserve banking works. The first paragraph of that Wikipedia page already clearly contradicts you. The banks can still only lend money they have (otherwise how would they lend it? Where would it come from? Only the central bank can print currency). What fractional reserve banking is saying is that banks can invest some portion of the customer deposits that they hold into non-liquid assets, often in the form of loans to other customers, but it could also be invested in other things eg government bonds. The interest banks earn by doing that helps pay for the interest they pay to customers on their saving. They also have to carefully manage their liquidity: maximising returns while still holding enough liquid assets to cover any potential spikes in withdrawals.

Even when investing customer funds, banks still have to meet captial requirements set by the regulators which basically say that their risk-adjusted assets have to cover the liabilities of customer deposits, so that for example they can’t just invest all the deposits in Bitcoin as that would pose too high a risk of insolvency. The reason SVB went insolvent recently was that they successfully lobbied the Trump administration to relax capital requirements for banks of their size, then made risky investments that lost money and they suddenly had less money than they owed their customers.

Paywall

Great, now do Amazon

And yet still no back button, the most basic feature that iPhones sorely lack :(

Better? The Apple hardware is always significantly worse than competition in the same price class. Most of the price of an iPhone goes to their excessive marketing and record profits, so they have to cut costs on hardware

So what you’re saying is, if you want advanced phone features sooner buy an Android, if you want to be subjected to dodgy business practices sooner buy an Apple

The order of superiority goes like this:

American bagels > German rolls > German bagels > American rolls

As an Australian living in Germany for over a decade I’m still not that impressed with German bakeries. The pretzels are awesome and the bread is fine but the sandwiches are lame. They’re like mostly bread and never more than 1 or 2 toppings. A German once told me it’s because the point of the sandwich is the bread and if there are too many toppings you won’t taste the bread 😅

Germans love their bread so much but I think it’s just because that’s what they grew up with, I don’t think it’s objectively as good as they think it is

What are the performance targets? And does the value of the package depend on share price?

What kind of parent has already shown their kid Lion King at age 2 wtf

Then why not use the same app?

This explains so much

Glad I got to see this comment before the Lemmy hivemind downvoted you to oblivion for posting data that contradicts their world view!

My superpower is that I can plug in USB A the right way up on the first try pretty much every time

Ability to use the internet well means you have a lot of information at your disposal and can educate yourself out of believing in fairy tales

Hah I had the opposite reaction, I’ll surprised how many people there are in this comment section arguing that God is real. I didn’t know religious people knew how to use the internet tbh

Germany

Isn’t this just glassdoor