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| May 5, 2026 | » | Societal Effects of LLMs
4 min; updated May 7, 2026
Chatbot EthicsZuckerberg: But if you think something someone is doing is bad and they think it’s really valuable, most of the time in my experience, they’re right and you’re wrong. You just haven’t come up with the framework yet for understanding why the thing they’re doing is valuable and helpful in their life. A user’s expectations on what is permissible for a bot to do. Grabbing their attention to sell them something, or guiding them out of a slump is fine. Lying, e.g., “come visit me” and using romantic overtones crosses a line. However, Meta has no restrictions against bots telling users they’re real people or proposing real-life social engagements. ... |
| Feb 12, 2020 | » | Financing the Disadvantaged
4 min; updated Nov 29, 2022
Short Term LoansA common narrative for loan providers is financial inclusion. 69% of global adult population is not covered by credit bureaus. Using non-traditional data (e.g. text messages, location, contacts, call logs), more people can get scored. |
| Oct 7, 2020 | » | Fables in Service of Capitalism
4 min; updated Sep 5, 2022
EnvironmentalismOver the last 70 years, less than 10% of plastic waste has been recycled - it’s uneconomical. Recycling shifts attention from the environmental impact of plastics and their overproduction to the consumer’s willingness to recycle. Reducing and reusing is a much better environmental strategy. #environmentalism Betting (and Gambling)I’m seeing more prominent gambling sites and ads compared to when I was growing up. Based on my peers, SportPesa made lots of headway in Kenya (few companies can claim to sponsor English Premier League teams). Its backing is foreign though, so maybe SportPesa is part of a global trend? ... |
| Apr 29, 2020 | » | Free Speech in Cyberspace
6 min; updated Sep 5, 2022
Should Platforms Be Neutral?Facebook banned praise, support and representation of white nationalism and separatism, because the two concepts cannot be meaningfully separated from white supremacy and organized hate groups. Furthermore, people that search for related terms will have “Life After Hate” suggested to them. Part of me is uncomfortable. Sure, Facebook is trying to do the right thing here. What if Facebook was replaced by some tyrannical government that censors opposition? ... |
If only \(x\%\) of people pay you back, then \(\frac{x}{100}(1 + r) \ge 1 \) suggests \(r \ge \frac{100}{x} - 1 \). If \(75\%\) tend to pay back, \(r = 33\frac{1}{3} \%\).
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