Japan’s National Consumer Affairs Center on Wednesday suggested citizens start “digital end of life planning” and offered tips on how to do it. The Center’s somewhat maudlin advice is motivated by recent incidents in which citizens struggled to cancel subscriptions their loved ones signed up for before their demise, because they didn’t know their usernames or passwords. The resulting “digital legacy” can be unpleasant to resolve, the agency warns, so suggested four steps to simplify ensure our digital legacies aren’t complicated:
- Ensuring family members can unlock your smartphone or computer in case of emergency;
- Maintain a list of your subscriptions, user IDs and passwords;
- Consider putting those details in a document intended to be made available when your life ends;
- Use a service that allows you to designate someone to have access to your smartphone and other accounts once your time on Earth ends.
The Center suggests now is the time for it to make this suggestion because it is aware of struggles to discover and resolve ongoing expenses after death. With smartphones ubiquitous, the org fears more people will find themselves unable to resolve their loved ones’ digital affairs – and powerless to stop their credit cards being charged for services the departed cannot consume.
This is a symptom of the absolutely insane way digital payments work.
You give a company your card details and they’re able to charge whatever they want, whenever they want, by default. That’s like paying at a restaurant by handing the waiter your entire wallet and telling them to take out the cost of the meal.
Isn’t that basically how it works in the US?
Yes, yes it is. The only deterrent really is the will of the employee to commit fraud and/or a customer noticing. I’ve had to handle coworkers in the past writing in tips on blank tip lines on the reciepts that the customer signed.
Everything made by sufficiently big orgs works like this.
They care about ability to be do everything by themselves and easily.
They don’t care about sanity of the system for the user, because there are crowds of users, what are they going to do, barter?
And the worst part is where the biggest org of all these, the government, makes requirements that can only be fulfilled by big orgs.
You can’t win playing by the rules your opponent sets. EDIT: Unless they do some sort of Ulysses’ pact, but they won’t.