but moving to a lower COL area can reduce that amount of public and private services one gets access to, no? network connectivity will, for example, likely be worse out in the sticks
i have found a surprisingly large amount of success in uploading an .apk to Claude and asking it to extract all HTTP endpoint used and to display them as a Swagger document. most apps use HTTP(S) to communicate with their APIs, so reverse engineering is relatively trivial
how is it not also your money when using a credit card? It's in the name, "credit" card. you have to pay it off, no? (i have never ever used a credit card)
You are making a purchase ON credit, and unless you are wildly negligent the merchant who accepts payment for the fraudulent purchase eats the costs. You may have to pay the balance owed while the chargeback works through the system but you will not ultimately pay for it.
Plus - like it or not - our society builds your credit based on your use of a credit card. And if you pay your balance in full every month I'm not sure why anyone would prefer paying up front (debit) vs. free financing.
As I understand it, debit cards do have some fraud protection too, but even if it's the same (I don't think it is), it's a way different power dynamic if you're begging for a bank to give you money back (debit card) vs just disputing your credit card bill.
In practice credit cards just have way better fraud protections.
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