#tech-ed

[humanoidhistory]

American bullet train, illustrated by Ed Valigursky for Popular Mechanics, November 1983.

[sarahmackattack]

Alright people. I need your help. Enrollment for Skype a scientist this semester has been -fine- but we can do better. We have so many scientists who want to speak with classrooms! Will you tell a teacher you know about our program 🥺 please?

Send them to skypeascientist.com/sign-up

[verycorrect-tbbquotes]

How you ever talked me into this is beyond me.

Echo to Tech

[sherlockig]

[mostlysignssomeportents]

Fintech bullies stole your kid’s lunch money

I'm coming to DEFCON! On Aug 9, I'm emceeing the EFF POKER TOURNAMENT (noon at the Horseshoe Poker Room), and appearing on the BRICKED AND ABANDONED panel (5PM, LVCC - L1 - HW1–11–01). On Aug 10, I'm giving a keynote called "DISENSHITTIFY OR DIE! How hackers can seize the means of computation and build a new, good internet that is hardened against our asshole bosses' insatiable horniness for enshittification" (noon, LVCC - L1 - HW1–11–01).

Three companies control the market for school lunch payments. They take as much as 60 cents out of every dollar poor kids' parents put into the system to the tune of $100m/year. They're literally stealing poor kids' lunch money.

In its latest report, the Consumer Finance Protection Bureau describes this scam in eye-watering, blood-boiling detail:

https://files.consumerfinance.gov/f/documents/cfpb_costs-of-electronic-payment-in-k-12-schools-issue-spotlight_2024-07.pdf

The report samples 16.7m K-12 students in 25k schools. It finds that schools are racing to go cashless, with 87% contracting with payment processors to handle cafeteria transactions. Three processors dominate the sector: Myschoolbucks, Schoolcafé, and Linq Connect.

These aren't credit card processors (most students don't have credit cards). Instead, they let kids set up an account, like a prison commissary account, that their families load up with cash. And, as with prison commissary accounts, every time a loved one adds cash to the account, the processor takes a giant whack out of them with junk fees:

https://pluralistic.net/2024/02/14/minnesota-nice/#shitty-technology-adoption-curve

If you're the parent of a kid who is eligible for a reduced-price lunch (that is, if you are poor), then about 60% of the money you put into your kid's account is gobbled up by these payment processors in service charges.

It's expensive to be poor, and this is no exception. If your kid doesn't qualify for the lunch subsidy, you're only paying about 8% in service charges (which is still triple the rate charged by credit card companies for payment processing).

The disparity is down to how these charges are calculated. The payment processors charge a flat fee for every top-up, and poor families can't afford to minimize these fees by making a single payment at the start of the year or semester. Instead, they pay small sums every payday, meaning they pay the fee twice per month (or even more frequently).

Not only is the sector concentrated into three companies, neither school districts nor parents have any meaningful way to shop around. For school districts, payment processing is usually bundled in with other school services, like student data management and HR data handling. For parents, there's no way to choose a different payment processor – you have to go with the one the school district has chosen.

This is all illegal. The USDA – which provides and regulates – the reduced cost lunch program, bans schools from charging fees to receive its meals. Under USDA regs, schools must allow kids to pay cash, or to top up their accounts with cash at the school, without any fees. The USDA has repeatedly (2014, 2017) published these rules.

Despite this, many schools refuse to handle cash, citing safety and security, and even when schools do accept cash or checks, they often fail to advertise this fact.

The USDA also requires schools to publish the fees charged by processors, but most of the districts in the study violate this requirement. Where schools do publish fees, we see a per-transaction charge of up to $3.25 for an ACH transfer that costs $0.26-0.50, or 4.58% for a debit/credit-card transaction that costs 1.5%. On top of this, many payment processors charge a one-time fee to enroll a student in the program and "convenience fees" to transfer funds between siblings' accounts. They also set maximum fees that make it hard to avoid paying multiple charges through the year.

These are classic junk fees. As Matt Stoller puts it: "'Convenience fees' that aren't convenient and 'service fees' without any service." Another way in which these fit the definition of junk fees: they are calculated at the end of the transaction, and not advertised up front.

Like all junk fee companies, school payment processors make it extremely hard to cancel an automatic recurring payment, and have innumerable hurdles to getting a refund, which takes an age to arrive.

Now, there are many agencies that could have compiled this report (the USDA, for one), and it could just as easily have come from an academic or a journalist. But it didn't – it came from the CFPB, and that matters, because the CFPB has the means, motive and opportunity to do something about this.

The CFPB has emerged as a powerhouse of a regulator, doing things that materially and profoundly benefit average Americans. During the lockdowns, they were the ones who took on scumbag landlords who violated the ban on evictions:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

They went after "Earned Wage Access" programs where your boss colludes with payday lenders to trap you in debt at 300% APR:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

They are forcing the banks to let you move your account (along with all your payment history, stored payees, automatic payments, etc) with one click – and they're standing up a site that will analyze your account data and tell you which bank will give you the best deal:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

They're going after "buy now, pay later" companies that flout borrower protection rules, making a rogues' gallery of repeat corporate criminals, banning fine-print gotcha clauses, and they're doing it all in the wake of a 7-2 Supreme Court decision that affirmed their power to do so:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

The CFPB can – and will – do something to protect America's poorest parents from having $100m of their kids' lunch money stolen by three giant fintech companies. But whether they'll continue to do so under a Kamala Harris administration is an open question. While Harris has repeatedly talked up the ways that Biden's CFPB, the DOJ Antitrust Division, and FTC have gone after corporate abuses, some of her largest donors are demanding that her administration fire the heads of these agencies and crush their agenda:

https://prospect.org/power/2024-07-26-corporate-wishcasting-attack-lina-khan/

Tens of millions of dollars have been donated to Harris' campaign and PACs that support her by billionaires like Reid Hoffman, who says that FTC Chair Lina Khan is "waging war on American business":

https://prospect.org/power/2024-07-26-corporate-wishcasting-attack-lina-khan/

Some of the richest Democrat donors told the Financial Times that their donations were contingent on Harris firing Khan and that they'd been assured this would happen:

https://archive.is/k7tUY

This would be a disaster – for America, and for Harris's election prospects – and one hopes that Harris and her advisors know it. Writing in his "How Things Work" newsletter today, Hamilton Nolan makes the case that labor unions should publicly declare that they support the FTC, the CFPB and the DOJ's antitrust efforts:

https://www.hamiltonnolan.com/p/unions-and-antitrust-are-peanut-butter

Don’t want huge companies and their idiot billionaire bosses to run the world? Break them up, and unionize them. It’s the best program we have.

Perhaps you've heard that antitrust is anti-worker. It's true that antitrust law has been used to attack labor organizing, but that has always been in spite of the letter of the law. Indeed, the legislative history of US antitrust law is Congress repeatedly passing law after law explaining that antitrust "aims at dollars, not men":

https://pluralistic.net/2023/04/14/aiming-at-dollars/#not-men

The Democrats need to be more than The Party of Not Trump. To succeed – as a party and as a force for a future for Americans – they have to be the party that defends us – workers, parents, kids and retirees alike – from corporate predation.

Support me this summer on the Clarion Write-A-Thon and help raise money for the Clarion Science Fiction and Fantasy Writers' Workshop!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/07/26/taanstafl/#stay-hungry

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[captainmaggieworld]

Mis shipps con los colores rojo y verde

[animeglitch]

[hunterghostal]

Ed, Edd n Eddy: The Mis-Edventures (GameCube) - Demo

[alanshemper]

“I need you to stop trying to explain away how fucking offensive using the internet and technology has become. I need you to stop making excuses for the powerful and consider the sheer scale of the societal ratfucking happening on almost every single device in the world, and consider the ramifications of the difficulty that a human being using the internet has trying to live an honest, dignified and reasonable life.”

Another banger from EZ

[humanoidhistory]

Driving simulators at Central Missouri State College, 1969.

(Detroit Public Library)

[sarahmackattack]

As many of you know, I run a program called Skype a Scientist! We match scientists with classrooms, scout troops, libraries, and more for Q&A sessions about science. We ALSO run monthly livestreams with hand-picked scientists on zoom webinar.

Here are the upcoming sessions. All are welcome to attend, and all sessions are free.

RSVP for Shark Scales and Tails here

RSVP for Sea Star Feet here

RSVP for Finding Medicine in Plants here

RSVP for Pokemon here

Also!!! and critically!!! If you want to get matched with a scientist for YOUR classroom, scout troop, library, etc, we would love love love to match you with one of our scientist volunteers. That's what we're here for. Sign up here.

[verycorrect-tbbquotes]

When Hunter finds out the mess his brothers have gotten into:

Tech: Exposed.

Crosshair: Busted.

Wrecker: Nope. Can't think of a word.

[omgblissa]

Perhaps it’s a combination of my own life experiences and reading The Vampire Lestat but I keep thinking about how in Our Flag Means Death where Ed gets told he “wears fine things well” just really fucking hits. What a line! All I can think about is how Ed felt like a stranger looking in to this world of class that he wasn’t able to be part of. He puts himself down when Stede compliments him at first.

There’s a certain aspect of poverty that I fear many don’t understand. That even if you have the “amazing” journey of being able to escape poverty and escape abuse (like how Ed kinda did) that there’s this strange feeling emotionally that you must convince yourself that life can be enjoyed and that you deserve good things because when life throws that much shit at you so young and you exist in a system that perpetuates that. You begin to think that YOU are the problem and other wouldn’t understand why you place value on these ‘meaningless’ items but that’s mostly a result of not understanding the value of said item. They say you can tell when someone didn’t grow up rich because they move about life in a mild extravagance. They know the value of the things they have because they know what it was like without.

[sunpoweredautism]

i really need show creators to switch up a little the names of the queer guys on the screen because fr it's getting difficult

Like I'm dyslexic you really expect me to be able to tell the difference between Steve and Stede at a glance?

What about Ed Eddie and Eddie? Buck and Bucky?

I see a post and despite reading the name of the guys i still have to understand who they are from context clues this is unbearable

[hunterghostal]

Ed, Edd n Eddy: The Mis-Edventures (GameCube) - Start Screen

[socte-blue]

LIGHT YAGAMI STIMBOARD

⋆ Request by: myself

🔌 ︵ My secret blorbo of all time. I’m still obsessed with him