nostr:npub1l3gpk6vrudg8r67swqlex5alv9ch59s4lw46kk6hekuxe2n3aczsyqvu48

> Zelle is incredibly capricious

This is analogous to saying the same thing about FB or Titter. The core problem is not the behaviour of these companies or the people running them. But that we've allowed our payments systems and social networks to be privatised by proprietary tech companies. Which neoliberalism has allowed to form mon/olig-opolies and mon/olig-opsonies, and enshittify services for everyone.

See Doctorow's new book. In both cases, it's a collective action problem.