That's the modern definition. The comment at https://news.ycombinator.com/item?id=47880310 was about bans on usury since ancient times, when that term referred to the general practice of moneylending.
"In many historical societies including ancient Christian, Jewish, and Islamic societies, usury meant the charging of interest of any kind, and was considered wrong, or was made illegal."
Payday loans are not illegal. By your definition, and Wikipedia's modern definitions, a payday or car-title loan is not exorbitant, and it is not usury. The payday loan shops around here are licensed, legitimate businesses working with regulated financial instruments.
> Low interest rates (i.e. freer moneylending aka more usury) increases house prices.
You just contradicted yourself. What is usury again? Low interest rates, freer moneylending, is "more usury"? You write in the present tense that freer moneylending and low interest rates are more usury than usury? Are the rates exorbitantly low? Is there an exorbitant number of customers?
More loans are approved and/or borrowers are approved for bigger loans in low interest rate environments. This leads to high house prices. Hence, the "more usury" comment that I wrote. In that one sentence I had the same ancient definition of usury in mind.
I hope you don't believe low interest rates = expensive houses is something I made up.
If you think I'm contradicting myself sure go on. I find it easy to hold two definitions of a word in my head and use the correct one in the right context. But I understand that not everyone can and some may find it confusing.
The definition of usury hasn't changed in 200 years.
From Webster's 1828 Edition:
U'SURY, noun s as z. [Latin usura, from utor, to use.]
1. Formerly, interest; or a premium paid or stipulated to be paid for the use of money.
[Usury formerly denoted any legal interest, but in this sense, the word is no longer in use.]
2. In present usage, illegal interest; a premium or compensation paid or stipulated to be paid for the use of money borrowed or retained, beyond the rate of interest established by law.
Kind of a shallow point that ignores glaring implication that it would have been the piping, in/out/relief et al passing through the roof that would have been the issue, causing water to enter and travel.
Puzzles involving pushing blocks around a grid, where most of the challenge comes from the constrained motion. Blocks might get stuck if you push them into a corner, for example. It might be necessary to move things in a certain order, which isn't obvious at first.
"Sokoban" translates to "warehouse keeper". The original game was about moving boxes around in a crowded warehouse.
Which is why I said "The majority of anti-AI people...". It was the comment I was responding to that was treating the anti-AI crowd as homogeneous by ascribing to them all a rather fantastical belief of a minority of that group.
Cars are safer for those inside of them. For those outside of them, well, it's their fault for not having crumple zones!
Cars on the roads in the '80s were very low to the ground. Even a child standing on the sidewalk could easily see over the hood of a car parked on the road. Now, hoods have gotten so tall that neither can the child see past it to what's on the other side, nor can the drivers see the children.
This is so true. It’s much harder for drivers to see pedestrians these days. And walkers now have to deal with E-bikes and electric scooters flying down the sidewalks at high speed and silently. I’ve nearly been hit many times even as a very visible adult.
As an American, I always hear all these weird stories about New York and its subway system. All the random busker type nonsense, the petty crime and the “mugger wallet” type jokes. Not to mention the major crimes that make the news.
I’d rather not deal with it? Yes I know roads are dangerous. I’d still rather not deal with the expected culturally imposed insanity that the Japanese curiously seem to lack.
The weird stories, about anything, are nonsense; sensationalized to either be emotoinally compelling or even active disinformation to serve some political end (especially about American cities, especially about NYC.)
It's just induced fear. Just go to NY and ride the subway. Millions do all the time without any problems, without a second thought. It's really no problem and amazingly convenient. (Busking is people playing music.)
Of course some crime occurs among millions of people but so do lottery grand prizes and heart attacks. I've been on many subway rides without experiencing one crime or even seeing one, and much other public transit.
And when you do, you'll know what to think of the stories and people who tell them.
> It's extremely common for there to be human shit in the train cars, and lunatics going nuts
Where does that come from? Not from your experience. You've never been on NY subways, clearly.
I've never seen feces - and anyway, how could you tell if it's from a dog? Did you examine it? Take it home and test it? It's one of the stories that maybe is slightly plausible, and which yields such strong disgust that rationality is overwhelmed and it makes a sensation - perfectly constructed misinformation or urban myth. Like waking up in a bathtub with a kidney missing.
'Lunatics' is such a loaded (and hateful) word you'll have to specify what you mean, but the occasional person talking to themself is harmless and completely uninterested in you (thus the conversation with themself) - I have never had any problem with such people on public transit or elsewhere. They are the most vulnerable people and compassion is the appropriate response.
As I wrote above, the stories are nonsense and it's induced fear.
I actually am speaking from experience, I saw both of those things my first week in New York. It's really not uncommon, I find it hard to believe that you've never run into shit/barf, usually when a car pulls up that has nobody in it, that's what's in there.
And this is all to say nothing about the decrepit state of the stations and cars themselves.
I've also been to Japan and experienced their trains. It's in such a different league that it's almost comedy.
> It's really not uncommon, I find it hard to believe that you've never run into shit/barf, usually when a car pulls up that has nobody in it, that's what's in there.
NGL this isn't surprising on Japanese trains either. Especially around last train. It's not super common but you see it from time to time and you just use a different car and report it to the staff next time you see someone.
I lived in NYC for many years. Bodily fluids and liquid left on seats, litter, gag-inducing smelly people, people having episodes and screaming, all common enough to see on a weekly or monthly basis as a daily commuter. I have not been to Japan but I can't imagine they have the same level of antisocial behavior
So not "extremely common" as the commenter upthread said.
> liquid left on seats
As in, something spilled?
> litter
Lol. Only on a weekly or monthly basis?
> gag-inducing smelly people
I think some people are looking to be judgmental.
> antisocial behavior
That's taking it pretty far; it's easy to ignore these things which are almost always harmless - none have ever affected my life. Maybe being judgmental and (for some) hateful is the real and dangerous antisocial behavior - the consequences have had real and awful consequences for many.
You can plug your ears and accept riding run-down trains full of shit, litter, puke, and threatening mentally ill people, in the name of not being "hateful," or as a society you can choose to have dignity and not put up with that.
Now the personal attacks; I'd rather ride with the person who talks to themself than the person telling me what I must think (or else I lack dignity!) - which of course is what they think.
> not put up with that
That's a bit controlling, insisting the world and other people must be your way. Freedom means something very different. No wonder you don't like NY.
Those stories would be accurate on BART in San Francisco. I used to ride that every day to/from work and at other times. The non-rush-hour times were the worst actually.
I've never lived in NYC, but from visiting, their subways seem safer (and also work much better).
> All the random busker type nonsense, the petty crime and the “mugger wallet” type jokes.
Most of this is stories. Yeah there are buskers but tbh I like buskers. Music in the public square is a plus not a minus even if it's not my personal preference of music.
Subway crime rates are around 2-4 incidents per million rides. There was a spike during covid and it started to rapidly trend down afterwards. That corresponds with economic desperation during that period pretty cleanly.
But that 2-4 incidents per million rides is roughly comparable to the crime rates at gas stations, etc. The difference is that density is lower so you just see it less often. It happens just about as frequently but you are less likely to witness it because you are less likely to be present when it happens to somebody else at a gas station.
> I’d still rather not deal with the expected culturally imposed insanity that the Japanese curiously seem to lack.
Trust me Japan has just as much of an issue with crime on rail. Arguably they have higher rates but the Japanese police often just don't consider sexual harassment or sexual assault a serious crime and would rather brush it under the rug or otherwise deal with it outside the criminal system to avoid harming the abuser. (ex: an incident that I'm familiar with: "oh we gave the guy who assaulted you on the train your address so they could mail you a hand written apology note instead of charging them with assault")
And the "wacky in your face" crime (intoxicated, mental illness, etc) is still very much an issue in Japan but it's cracked down on by police in places that tourists frequently visit during the day and otherwise everyone just expects it so people who live there don't really mention it to tourists.
I mean hell look at Shibuya Meltdown for some of the more mild "funny" examples.
The only real difference between the NYC metro and the Japanese metro is that it's louder because there's not a social norm to limit talking on the train (until people are drunk ofc). Otherwise it's all the same shit and you see it all when you start commuting.
America's culture of individual liberty moved into the national mythos in the last century, replaced by a culture of consumption and commerce over all. People don't have the freedom to build whatever they want because pockets need to be greased, permits need to be reviewed, HOAs need to have their fees, etc.
Yes, that’s exactly right. Maximal ‘individual liberty’ is my right to maximize my land’s value. My neighbors either agree to maximize theirs in a way that increases, or doesn’t hinder, mine, or they are my enemy to be litigated to death by my lawyers for damages.
Yes, I had the same impression. I'm sympathetic to the author's perspective but I can't muster even the minimal optimism they've shown here. The "process engineers" as described would themselves quickly be replaced by an automated system. The "statistical engineers", I think, would never be able to keep up with the rate of change of the AI models, which would likely have different statistical behavior and biases in each language/context/etc with each update, and so it's unlikely anyone would pay them to develop that required deep expertise in the first place. More likely, that work would be done at an AI foundation model company -- but it would be done just once, and then incorporated into the training process.
Also, when text was horizontal, it was frequently written right to left until the mid-1940s.[1]
[1] https://www.mutantfrog.com/2009/08/08/the-history-of-japanes...
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