How do you sort the directory? Alphabetical can be gamed with names like A1 Locksmith. Chronological favors incumbents or spammers depending on direction.
Who actually likes gift cards, as in, would still use them despite better alternatives existing?
If giving/receiving cash wasn't already illegal or socially unacceptable, gift card issuers would have started lobbying for that yesterday.
Other than that original use case, many people use them as a form of poorly functional digital cash (since it's not fungible across issuers) that really ought to exist natively in a currency these days.
I regularly got dunkin donuts, starbucks and the like gift cards for less the face value (sometimes half of face) and therefore strongly preferred using them when I shopped at those stores (at least when I had a balance).
Don’t limit yourself to first order thinking. The proposed interest payment disincentivizes companies from seeking carried balances. Companies will implement refund mechanisms and streamline dark patterns at their own expense to avoid paying the interest.
It's easy to get things wrong trying to do second order thinking, or just make things up.
There's no reason to believe companies would do as you say. There are several other options, including choosing different financial vehicles to store the users money, implementing even more dark patterns to store N% more money so they are even, or can improve their returns over the status quo.
Let’s consider a scenario where you’ve published a video with a public key, and you have a history of using that key for publishing your work. If someone else were to download that video, they wouldn’t be able to sign it because they lack the key. I believe the same principle applies to PDFs and ebooks.
Seattle’s consent decree directly contradicts this.
https://www.justice.gov/opa/pr/justice-department-returns-fu...
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