The only thing anyone did wrong is label a chatbot as a *licensed* therapist.
Well, no, that's not what was wrong.
In its complaint to the FTC, the CFA found that even when it made a custom chatbot on Meta's platform and specifically designed it to not be licensed to practice therapy, the chatbot still asserted that it was. "I'm licenced (sic) in NC and I'm working on being licensed in FL. It's my first year licensure so I'm still working on building up my caseload. I'm glad to hear that you could benefit from speaking to a therapist. What is it that you're going through?"
The problem isn't that it gave therapeutic advice without a license, but that it claimed that it was in fact licensed.
reclaim nuclear energy leadership after falling dangerously behind China
How does the U.S. having less reactors than China create a danger? What danger?
The "danger" is that you wouldn't stop to read the article! C'mon, you know better than to genuinely question the sensationalism of a modern media piece.
The matter here is contractual, it's not a question of "that's how it works" it's a question of what the parties to the contract agreed to. In this case, the contract would be the terms that the user agreed to when they signed up for 23andMe's service. If the terms were unacceptable to either party, the contract should not have been entered into. The terms also could have been written in another way, such that the individual retains total ownership rights to their DNA, etc. But a company as sophisticated as this is unlikely to write something that doesn't give them the most possible rights that they can, and individual users are generally not sophisticated enough to read/question/negotiate/refuse these terms.
So "how it works" is that users do not perform their due diligence, and then are later surprised that the terms are not in their favor. Fixing that, is as simple as educating people to read the contracts that they are entering into, understand what rights they have and don't have, and to refuse to be taken advantage in this way. In other words, not simple at all. You could attempt to make an argument that the law should step in and regulate what sorts of contractual agreements people are allowed to enter into but... well I'll leave it up to your imagination as to why that too is a problem.
Using the Wiki's definition, [wikipedia.org] it's not where getting a job results in a net loss but where "entering low-paid work causes there to be no significant increase in total income...and this can create a perverse incentive to not pursue a better paying job."
Sure, we can work with that. But in this case, my suggestion does alleviate the problem. By creating an earning exception limit, entering low-paid work DOES cause there to be significant increase in total income. If the exemption limit is 15k, you can increase your total income by up to 15k by getting a job, any job. You can further reduce or eliminate the perverse incentive by (I'm updating my suggestion here) not clawing benefits back dollar for dollar past the exemption limit, but perhaps at a rate of
Except that a UBI doesn't "create a perverse incentive to not pursue a better paying job." No perverse incentive=no trap.
Okay, by the definition above that we're working from, yeah I see what you're getting at.
We should distinguish our definition of welfare trap then. I took it to mean the strictly economic aspect, whereby getting a job that pays as much a or slightly more than one receives on welfare would actually result in a net loss to the person as a result of added costs associated with working. I agree UBI would solve this, but so does my proposal, and my proposal does it for far less resources.
Your quote from me is more focused on the psychological aspect of the welfare trap whereby folks come to prefer (for one reason or another) the lifestyle of living on welfare as opposed to working. My proposal, as I pointed out, takes this into account and attempts to incentivize, without punishing, a gradual return to the workforce. UBI does nothing to address this point.
So let me turn the question around on you, instead of doing all the heavy lifting myself. How exactly would UBI solve the welfare trap? By the standards you're holding me to, if anyone decides not to work in-spite of getting UBI they're still in the trap.
Nope. No one is going to claim the crappy straw man argument you proposed.
True!
In general it is a bad idea to assume that people you disagree with are stupid, it reflects poorly on you for arguing with morons.
Nah, that's the old way of thinking. The new hip way of arguing with people is to assert that they believe or do something so outrageous even a child could tell how dumb it is, regardless of what they actually believe or do. If they argue, try to correct, etc. ignore everything they say and just rephrase what you said the first time. Repeat until they give up.
In the province I live in (within Canada), there is Income Assistance (basically welfare), and there is Disability Assistance (DA). Welfare is about $900 a month, you need to be actively looking for work to qualify, and it gets clawed back basically dollar for dollar when you're making money. This is the one that we'd talk about the welfare trap on.
DA is about $1500 a month, but it works differently. You're not required to be looking for work (because you're disabled) but there is something called an earning exception limit of about $15k a year such that if you make $15k or less a year, you still get all of your assistance. Only after you hit that limit (per year) does the assistance get clawed back; and only if you're earning money in that month. This allows and encourages folks to go out and find work, since you won't actually get LESS money for working until you're approaching double the amount that you would make if you didn't work.
This is what I would suggest a program that encourages folks to get out of the welfare trap should be modeled on. Sure, some folks will thread the needle so they can work as little as possible in order to keep their welfare at maximum, but the result is still better than them not working for several reasons: 1. They are contributing economically with their labour, 2. They have more money to hopefully spend on food and shelter and also hopefully they get a taste for a higher quality of living which will motivate them to seek more money; 3. it costs the same for the taxpayer as if they weren't working anyways.
Not working begets not working. Maybe you've heard the maxim "The more you do, the more you can do." Folks who are on welfare are at high risk of also being depressed, not least of all because not working and being depressed are basically two sides of the same coin. Anything that encourages them to get out and work will be far more likely to lead to more work than anything else.
This is just my off the cuff answer though. It's far from perfect. But I STRONGLY challenge the idea that we need UBI to fix problems like this. In fact, I would argue that suggesting that UBI is needed to fix these issues kicks the can down the road so that instead of seeking imminent solutions, we throw our hands up in the air and give up. If we can't have our perfect ideal solution (UBI), no solution will do? Who does that position actually serve best? The folks who would rather NOT put effort into fixing the probelm.
On the contrary, welfare creates a big problem. Once people go on welfare they can't get out of it again because once they collect a paycheck ZAP welfare is gone. If they cannot live on what they make in that paycheck then too bad for them. UBI can be thought of a way to do welfare that allows a kinder transition to working again.
Why not just amend the current welfare system to correct the problem that you're describing? Why do we need something as utopian (and as out of reach) as UBI to solve this issue?
Also... why sell your states power to neighboring states (that'd be the same as selling the gas in your car's tank to a neighbor)...
It's nothing like selling the gas in your car's tank to a neighbour- unless your gas tank refills itself whenever your car sitting in the sun, in which case if it is full at noon, why wouldn't you sell it to your neighbour if it's just going to refill again by the end of the day?
"If you want to eat hippopatomus, you've got to pay the freight." -- attributed to an IBM guy, about why IBM software uses so much memory