Comments by "afcgeo" (@afcgeo882) on "Feli from Germany" channel.

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  17. In the United States, Credit Card agreements require lending banks (credit card bank) to forgive fraudulent transactions and return the money to the customer when a legitimate complaint is filed and investigated. They purchase insurance for such things and consider it a simple cost of doing business. They also have much stronger anti-theft protocols than you think, including algorithms that look into your purchasing history, amounts and locations. When it comes to debit cards/checks, there are a lot fewer protections from fraud. If someone hacks your debit card and you don't report it within a few days, you may very well lose whatever amount you were taken for. They will shut down further debits and issue you a new card, but the money that's lost may be lost. The same with checks. Unless they track down the thief and find definitive evidence of fraud, you likely won't see that money back. That is why Americans are more prone to using credit cards than debit cards/checks. At the same time, technology implementation is much more difficult in the United States due to so many states having different laws for commerce, federal laws for interstate commerce, a HUGE amount of independent businesses and the overall attitude of the government not getting involved in business until it absolutely has to. Mandating a form of payment is not an option, like it may be in smaller countries. You cannot make a small business owner invest in particular technology. Checks didn't need any technology. They are paper. That said, businesses are moving to more technological systems on their own and you will RARELY see checks used in places like grocery stores anymore.
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  106.  @quintrankid8045  Actually, if you dig deeper, you’ll see that case wasn’t Mr Frese’s first offense under the statute, and he had a prior conviction from pleading guilty for same. The issue in New Hampshire, and they’re being sued by the ACLU, is that their statute isn’t specific enough. Nothing in the Constitution allows unfettered free speech. In fact, there are many types of restricted expression: fraud, obscenity, child pornography, incitement of lawless action, perjury, violation of intellectual property law, true threats, and commercial advertising. Defamation is also still a tort, which has to withstand the test of Constitutionality (and has). So the issue is not of it as a general legal matter, but rather of overly broad application through statute wording. That application and wording may be viewed as an overall encroachment onto protected free speech. In Gertz v Robert Welch, Inc. (1974) the Supreme Court has said that “there is no Constitutional value in false statements of fact.” The SCOTUS has established four specific areas where free speech is not protected: First, when false statements of fact are said with a “sufficiently culpable mental state”. This can be persecuted by civil or criminal means. Second, knowingly making a false statement can be punished (this is where defamation falls). Third, negligent false statements of fact may be torts. And lastly, some implicit statements of fact, with a false factual connotation, can also fall under the torts category.
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