Kwil said:
LOL, Christ, try getting a basic understanding of how banks work and what money is before attempting to be condescending.
I'm sorry but it seems you're the one who doesn't understand how either of those work. Or basic understanding really.
Kwil said:
You'll still suck at it, but at least it won't be outright laughable.
After I explain, you'll feel like you were talking to yourself the whole time.
Kwil said:
Big hint: Money these days is primarily represented by data
Yes you're right it's representing the physical pieces somewhere. We have physical representation (whether on us or in an account) that determines how much we actually have. While it may appear in the form of data (I.E. credit cards, debit cards) we still have something that contains of the value and hold the amount of what we have.
Kwil said:
and most of the money in our economy doesn't actually exist
No, the money has to exist or we wouldn't have an economy. You need something to back it up otherwise it has no value. I think you might have gotten confused when we didn't use the gold standard anymore (meaning everything is backed by gold) and just go off as what we claim is value (I.E. a dollar = $1). We still have to have something to back it, otherwise we wouldn't have an economy.
Kwil said:
.. it's just one bank saying to another, we've got this much value.
No it's not. Otherwise you wouldn't be able to receive any type of cash when you ask to take out some. The cash is still there, just not physically on you.
Kwil said:
When you pay by debit, bits on one side of the transaction are decreased, bits on the other are increased. No "money" is transferred.
You have to have cash specifically in a debit account to use it. It's just a holding place. Think of it as a bigger wallet. Money is transferred from your account to whatever you're paying into/for.
Kwil said:
When you add bits to your account, no "money" is trasnferred.
Exactly, because there's nothing there. You can't just add bits where ever you feel like as you gained nothing. I don't even know how you think that it just exists simply because you added an extra 0 there. It's called fraud (meaning illegal). You're putting something in you don't have (and doesn't exist) into your account. When you swipe your credit card, they know how much you have in your account and if you go beyond that amount or use something that's not there you could get arrested.
Kwil said:
Nobody's losing anything.
Yes somebody is as the money has to come from somewhere. The bank/credit card company loses money paying with their own money or the store loses merchandise as the customer didn't pay for anything, since he doesn't have the money.
Kwil said:
Just like piracy. If anything, the bank is *gaining* money,
I don't know what kind of pot you are smoking, but can you please share some with the rest of us. Sounds like some good stuff you got there. No one gains anything, as there was nothing to gain. You're putting non-existing money and spending non-exist money which someone has to pay for. Otherwise, no one would be poor as they could open a bank account and go "just put ten zeros at the end of that".
Kwil said:
because according to their records, they now have more of these infinitely copiable bits to lend out.
I don't even know how you think that is how banks work at all. Did you watch a really bad episode of CSI or Law and Order? I personally think you just made it all up on the spot. I can't say any more, just read everything else I said again just to get the point across.
Anyway, I'll get on topic:
I don't advocate piracy, but I won't "call someone out" if they do it. I'll tell them I'm not fan of piracy (even though I do it from time to time [damn you youtube!]) but I try to avoid doing it as much as I can.
Mainly the reason that you're getting something for free and giving nothing back. If you plan on giving the developers money somehow (either through mail, e-mail or whatever) then that's great pirate away. My problem is most people who do pirate do it because they don't want to pay or don't feel like they should pay which is not good reasoning at all.
I don't plan to stop anyone from pirating (as if I really could) just saying my views. Is piracy theft? That depends on your definition and moral outlook, but I do consider piracy theft simply because you get a good/service for free. Like I said, if you pay the developer or someone related to them then yay but I know most won't and that is my biggest complaint.