Trouble For Buffalo Wild Wings, Toast POS, And Starbucks | Episode 173
7 Jul 2023 · 35 min
In this episode of the B2B Vault payment‑technology podcast, hosts Justin and Allen Kopelman blend casual banter with a deep dive into recent fintech news. The conversation opens with Fourth of July fireworks stories and personal anecdotes about lost glasses, then shifts to a series of industry updates: Buffalo Wild Wings faced a class‑action lawsuit over a newly introduced 99‑cent take‑out fee; Toast, a POS platform serving 70,000+ restaurants, announced a 99‑cent per‑order fee and a new monthly charge for online ordering, sparking debate about merchant‑vs‑restaurant responsibility and the role of PayFacs; Starbucks experienced a point‑of‑sale outage that forced cash transactions and raised questions about system resilience; a brief discussion of a Cash App debit‑card double‑charge glitch highlighted the rise of non‑bank issuers; the hosts also touch on FedNow conspiracy chatter and a humorous tangent about alleged cocaine at the White House. Throughout, they intersperse personal humor, listener call‑outs, and practical advice for merchants about backup connectivity. The episode ends with a call‑to‑action for listeners to follow the podcast on social media.
Chapters
Yo, what's up everybody? It's Justin live from B2B Vault, the payment technology podcast sponsored by Nationwide Payment Systems, hosted by this guy, the Bart Starr of payment processing himself, Allen Kopelman. And we'll be providing you educational information about fintech payment processing, small business, and the technology businesses are using in the world today. And in today's podcast, we'll be talking about a few payment new trends that's in the news, etc., etc. Uh, so yeah, man, it's Fourth of July week, short week. Podcast Spotify is down for maintenance. A lot of stuff's going on in the tech world. Um, so we wanted to switch it up a bit and, uh,, you know, talk about all the stuff that's present currently happening. Anyway, man, how was your Fourth of July?
Fourth of July was all right, you know, hung out at home. Rocky was not happy as usual. Yeah, he had his like calming stuff in his water, so that kept him calm. But you know, the daytime, there was quite a few people setting off some firecrackers, some M80s. Some other stuff. I mean, you hear some big boom, you know, out of nowhere. Yeah, I'm sure some kids took some— well, you could do it like when I was a kid. I remember you'd take an M80, go throw it in somebody's box or a metal mailbox, dude. Yeah, the door would come flying open. Yeah, didn't make a lot of noise.
But I mean, we throw them in garbage cans all—
yeah, metal garbage can, right? You know, metal garbage can would make a lot of noise.
I am old enough to, uh, have used a metal garbage can. Yeah, and I had fights with the lids. It was my shield and sticks as swords or rifles.
Yeah, or you'd get out the Roman candle.
Ooh, Roman candle wars.
Yep, and use the garbage can lid to protect yourself from a Roman candle. I'll never forget one time I was at a Fourth of July party in Atlanta, and this guy had about 20 or so Roman candles like taped down onto a 2x4, and their yard was on a slant, so the yard, you know, the house was down, the road was up high. And this guy decides he's gonna light off all those Roman candles. Man, did he cause a huge car accident.
That's terrible.
Yeah, it was crazy. The car— well, not— it wasn't an accident, but like, they went off and then a couple of cars slammed on their brakes and went sideways.
FBI, open up!
Pretty much. And then the next car coming into the frame, you know, because everybody was like All of a sudden he ran out of the house. Yeah, all of a sudden there's a, you know, police car right there. Boom! And then, you know, cops get out and Roman candles are going off everywhere still.
Really?
Yeah, well, you know, 20 Roman candles with like 50 balls in it, that takes a couple of minutes. That was pretty crazy. The cops shut that party down.
Did they?
Oh yeah, we had They were like, everybody get out of here. They want to know who, whose house it was, blah, blah, blah. Yeah, that was pretty crazy.
Yeah. I mean, we've had any man, so many. I have a, yeah, last time we had a Roman candle fight, man. Good friend of mine, Jones, AKA Brooklyn. What's up, brother? Open Minds, Open Books. Check that out on Instagram. He sells books.
Oh, cool.
Yeah, we were having a Roman candle war and Jones, Marv, he was a little inexperienced or whatever.
Naive.
Not paying attention, I could say. Not naive, but Jones ain't naive. He just wasn't paying attention or was caught in the moment, we'll say. Even better, caught in the moment. Okay, lit the Roman candle not realizing that he's supposed to point it in that direction. Well, he had it flipped the other direction and he was wearing a long sleeve shirt.
Oh shit.
Yep, and it went right up his shirt. So that was terrible. Yeah, that was the— yeah, don't play with fireworks, kids. So yeah, but be careful.
I mean, I remember as a kid saying somebody threw a firecracker and it hit a guy right in the eye.
Yeah, I mean, my dad— I mean, I've blew firecrackers off in my hands. I mean, you just don't know what's gonna happen. But yeah, yesterday for me, uh, I'm not a huge fan of the Fourth of July at all. Um, I don't mind watching the fireworks, like at the light, the fireworks show. That's not— that's, you know, it's okay. Um, But I am like one of those, I guess I'm the old grumpy neighbor that will call the cops on you. I didn't call the cops. I should have. They were literally lighting fireworks off 3:30 AM.
Oh yeah, I had them going off. 3:30 AM? Oh no, that I would have called the cops.
I mean, my neighborhood, they had fireworks like what they were lighting off down at the beach last night.
Oh yeah, we had them going off till about 12 o'clock at night.
I mean, the cops were in the neighborhood, but I mean, how can you— can't stop it. Like, you would, you'd have to bring in the National Guard.
Yeah, you have to bring a bus down there to haul everybody off.
So like, you know, the cops aren't doing nothing, you know what I mean? Like, what can they do? There's— they're, they're getting calls all night, probably people blowing off their hands, you know what I mean? So They're not really— I mean, all I could say is the people that are lighting off fireworks past 12 o'clock, you guys suck.
I agree. Rocky will say that too. He agrees too.
You guys suck. Foot fungus feet with sand on it, man. Like, y'all are trash. And, uh You're the reason why I'm a grumpy man today. I slept for like 2 and a half hours. My wife couldn't find her glasses this morning, so she woke me up to look for her glasses after I just fell asleep. It was tragic.
Yeah, that's not fun.
Then we couldn't find them this morning. We could not find them for anything. Like we couldn't find the glasses for— she woke me up. It was 5:30. I looked until 6:30. I said, I got to go back to sleep. Like, I got to— I literally have to go back to sleep. And then they're probably right in front of you. No, this is the— this is the kicker.
Yeah.
So yesterday, yeah, for those who don't know, my wife's a teacher. She's, you know, Montessori trained background, etc., etc. So she says, comes home— well, we get back from seeing our granddaughter, grandson, I mean, and she's like, I have to run to Walmart because I have to put together these sensory bottles, right? Okay, you know what a sensory bottle is?
Yeah, for— yeah, that's for something for school for kids.
So that's like whatever, has different things in it. Like, anyway, so long story short, we're in the backyard yesterday putting together these sensory bottles for her class today. Well During this process, she must have taken off her glasses and set them on the picnic table.
Uh-oh.
So that's where her glasses were from yesterday afternoon. That was at like 3 o'clock in the afternoon. Well, no, it had to be a little bit later than that. Anyway, from yesterday afternoon all the way until I walk out to take the trash out this morning. Like, whose glasses are those? Like, those look like nice sunglasses.
Yeah.
And I looked, I'm like, oh, those are Justina's glasses. So I found the glasses. So yeah, man, that's what I mean, they were out in the open. They were out in the open. They were definitely there for sure. And, uh, that's the struggle of having eyewear, I guess. Anyway, man, uh, so there's been— it was a lot of stuff in the news over the weekend-ish, past couple days. I know it's a weird holiday week for everyone.
So weird, like Monday, a lot of people took off Monday and Tuesday. The bank was closed on Tuesday. Now it was kind of a like, hey, let's just get a few things done around the office.
And then over here today, like, it's a ghost town. So everybody must have took off today instead of Monday or whatever.
I don't know, people just probably grouped it up and took, you know, took a long—
whatever it is, it's a weird It's a weird little day, right?
Yes, it's a weird day.
And there was a lot of stuff that Allen is, uh, was ecstatic about, and he wanted to do a podcast on each one. And I figured let's, let's, let's, let's talk about all of this stuff.
Yeah, so, you know, there's been a lot, you know, a crazy story popped up, and then a couple of crazy stories popped up in the news, but this one was about This one is about Buffalo Wild Wings, and Buffalo Wild Wings, um, was doing a test where they were adding a 99-cent fee to all takeout orders and delivery orders on their, uh, you know, so Buffalo Wild Wings the company, yeah, was just adding a dollar to your Just because—
99 cents. Just because you ordered a takeout fee, they called it. And there they thought that was okay. Why?
They thought it was okay. They said they're charging the fee to help them operate their takeout business. Okay, so then what happens?
That's not a thing, right? What, a takeoff fee?
You could, you could charge one, I guess. Businesses can do whatever they want. It's free speech. Why not? If you want to charge it, I mean, listen.
So what, so basically that's them trying to encourage you to come to their restaurant and sit down because they assume that you'll spend more money while you're sitting down, right?
And then apparently what happened is why it's in the news is somebody filed a class action complaint against them alleging that the practice is false and deceptive. Oof. Over the takeout fee. And somebody who filed the fee in— filed the lawsuit in Maryland on behalf of herself and hundreds of thousands of Buffalo Wild Wings consumers affected by what the plaintiff calls misleading menu price disclosures. And then Buffalo Wild Wings said, well, they didn't want to impose a— like, raise prices. They're being told they imposed a stealth price hike by throwing this 99-cent fee on there. And now there's, you know— so that's what's going on with that. Why That's important is at the same time there's this whole thing going on with Toast, the point of sale system. So Toast, the point of sale system company, decided that they wanted to charge a 99-cent fee and they just started adding it into the, into the software so that— and then the businesses—
Toast added a fee?
Yeah, Toast point of sale company. For every—
wait, wait, wait, wait a minute. So we went— so what happened with the Buffalo Wild Wings?
Well, they said they're taking it off the menu, the 99 cents, remove it, but they're still getting sued.
They're still getting sued, right? And now this is another news article that Allen Kopelman was, uh, interested in or caught his eye. Is what was it about now?
So Toast, which is a point-of-sale company at about 70,000+ restaurants, is right. So it's been— it was announced by them that they have a new— the online ordering, they're going to start charging the restaurants a monthly fee for it. And in addition to that, they're going to charge a 99-cent fee per order, and they're just adding it on to the, um, to the order. So everybody just—
Toast?
Toast, that's the name of the—
No, I'm saying Toast is adding the fee. The company that— not the restaurant, right?
Not the restaurant, but the point-of-sale company is adding the fee.
For why? For what?
They said they need it to support the The software.
Isn't there already a software fee?
Well, they had no software fee. Now they added a monthly fee if you're doing takeout.
Okay.
Plus a $0.99 fee per transaction. Per transaction.
That's ridiculous.
So if you think about it, if you had a $10— let's just say your order was $12. Right? You took the 99 cents divided by $12, you know, that's like a 10% fee. So I mean, if you know, but, but you know, so their, their stock, I don't know what it's at now, we can look up Toast stock and see what their stock is, but their stock took up, um, their, their stock fell. So their stock went down, it went, uh It had a hot— it was, it went, it went up and down, their stock. Whoa. So, you know, is their stock— did their stock go toast? Because their high was like $25, $26. Now it's down to $22. So, but, you know, is that going to affect Toast business? You know, is that going to affect their business going forward? Are people gonna— are businesses and they're not giving the business a chance to do it. But what caught my eye was a lot of people have been discussing the article on Facebook and everything, right? And then over the weekend, I see, um, a guy on, on LinkedIn, Go Fast Food News Weekly, franchising unique stories from the tech restaurant segment by Franchise-Info, right? A newsletter. So I see in their newsletter that they posted an article about can Toast charge your restaurant guests a service fee. So the guy goes into it, he explains what Toast is, allows them to process— Toast allows restaurants to process payments and use all these features. Restaurants join Toast by paying a fee. However, the customers who eat and at the restaurant and order food online are not directly involved with Toast. The main customer of Toast is the restaurant. And then he goes on to say the customers pay the restaurant for service they receive, and they might not even be aware of Toast— that Toast exists. Although when you get a bill from a restaurant, it's that uses Toast. It says TST and then the name of the restaurant. And Toast can do— and you know, how can they charge a fee? The guy goes on to say Toast can do this because they control the point-of-sale system and the software that handles the payments. And now he's made a comment. The next comment he made was Toast decided to get involved in the relationship between the restaurant and its customers without asking permission and charge this extra fee. And then the action shifts where, as a potential complaint or dissatisfaction about this fee, would fall onto the restaurant themselves, right? Because if you're going to complain about the 99-cent fee, you're not going to call Toast Up, right? And then there was a huge—
I'm listening, guys, ladies and gentlemen. I just was trying to find something that I had read over the weekend as well.
So, so the, so the, so the 99-cent fee, like, if you saw that, you would just complain to the restaurant, hey, what's up with this 99 cents, right? You're not going to call up Toast and go, why are you— because they don't— you don't know anything about Toast. So then a couple of people wrote on comments, right? And I wrote a comment too, so we'll get into it. So this guy says there's no difference than Diners realizing they had to charge more on their guest platform in the 1950s. I don't know what that has to do with anything. And then it says, so by chart— then another guy wrote, by charging a fee instead of increasing the fee the restaurant pays, Toast believes this is correct to do. Do they fear that restaurants will drop their service if they increase the fee? Chance Sounds like a bunch of IT wizards not knowing how restaurants work. And then basically the guy, the person who wrote the article, said Toast has a two-sided network matching restaurants and guests. Typically both sides of the network pay something to belong. I don't understand what that's supposed to mean. And, and then it says, you know, other people talked about Toast, and then one of the comments There was a bunch— there's a bunch of articles that were written in the— and the— there was an article in the, um, Boston Globe all about this, talking about if they were gonna— if was Toast gonna take a hit on their stock. And then I commented and I said one of the things— I reposted the article on LinkedIn, and in my comments I wrote that one of the things that the author didn't understand was that Toast is the merchant, not the restaurant, right? Toast is a PayFac, so they're the same as Stripe, Square, PayPal, you know, Shopify, etc., etc., etc., right? And so they're the, they're the actual processor, right? And they're the actual— have the merchant account. When you get— when you go to a restaurant, they use Toast. It says on the, uh, when you get your thing, oh, it says TST, just like if you buy from something from from a merchant and they use Square, it says SQ, right? And if you get something somebody uses Stripe, it always says ST, right, right, or STP or something.
I don't remember, one of those two.
Yeah, there's always something. Same thing when you buy something through Shopify, you'll see it'll say shop and then the name of the place, always, because those are— that's their merchant account. You're just using the, the service. So I explained, I said, you know, most people don't understand that when they're working with Toast, they don't have a merchant account. The same way they don't have a merchant account when you use PayPal, Square, Stripe— it's not your merchant account, it's their merchant account. So they can do whatever they want. So in this case, Toast is saying, oh, I think we should— they want to charge a 99-cent fee, so they're gonna charge— they're going to charge a 99-cent fee. And then I'm going to go— I got to open my LinkedIn back up because I got to go to my profile to tell you. After I posted it, then the person who wrote the article wrote back to me, and he said, he said, he said Let me get to the comment. He said, did people realize that they don't have a merchant account? And I said, most people don't know that they don't have a merchant account when they're working with these companies.
Yeah, no, they don't even know that. The guy who wrote the article didn't know.
He didn't really get it. He, he knew when I said it. He said he, he knew when I said it. What did you say? I— what I said was in my comments—
well, don't read all your whole comment word for word. What did you say, Allen Kopelman?
Okay, what did I say? I said that Toast is a PayFac, and the PayFac is the merchant, not the restaurant. So in essence, if they want to charge a fee, they can charge a fee, and the restaurant can't do anything about it because they're they're not the merchant. It's not their merchant account.
So what's going to happen with this?
What's going to happen? Who knows? Probably something.
Nothing. A lawsuit, and nothing will happen, right?
That's what usually happens. Like, you know, you see these law— you know, I saw another lawsuit. Oh, join this lawsuit against American Express, they're overcharging merchants, right?
Yeah.
I just think that this website is collect— the website who advertises that and other lawsuits. It's on Facebook. I think they're just collecting names and email addresses for possible potential lawsuits if enough people join in. So don't fall for that one. It's called like classaction.org, and I've seen them post a whole bunch of different like lawsuits about different things.
Samantha had mentioned to me about, uh, Starbucks. Did you see that in the news about Starbucks last week?
Yeah. Yeah, with Starbucks, their whole point of sale system went down and their payment processing, and they had to start taking cash, right?
That was funny.
And they were flipping out because they probably—
because they stopped taking cash, right?
Um, at most— at some Starbucks it's completely cashless, right?
Not all of them, but most. I heard like it's in the big cities, most of it's—
yeah, like the ones that are in the, like, in the city.
Yeah. Yeah, it's cashless.
It's cashless. It's been that way since COVID And they want people to like order through the app.
They want you to buy their card though too, right? The Starbucks card.
To do is they want you to put money in the app. Yeah, we were at— when we were at the convention we were at, what did that guy say? He said Starbucks is not a coffee company, they're a bank. Says Starbucks has on deposit from people that buy coffee in excess of $1 billion— not million, billion dollars— that they hold for people to buy coffee. And that $1 billion, it's steady because people are constantly refreshing it, right? So it's not really going up.
And that's, that's insane, man.
$1 billion in a bank account on hold for people to buy coffee.
Side note, Coffee is as addictive as heroin.
I make coffee at home.
And you're addicted to it as bad as heroin.
Okay.
When was the last time you had a cup of coffee?
This morning.
When was the last time you've not— when was the last time you've let a day go by that you didn't have a cup of coffee?
Within the last week or so, probably.
Were you an aggravated Arnery?
No.
I don't believe that.
I don't think— no, No, I don't think it was honorary.
When was this?
I don't know, like the last week or two. I probably—
you came to the office? Yeah, I came. I'm going to ask you if you've had your coffees the next time that you come to the office.
What, what, bad mood?
Yeah, no, cuz my wife was like going through hell the other day and I finally asked her, what's wrong with you?
Yeah.
And she said, well, if I'm going to be honest with you, I've been stopping to have for about the past 6 months I've been going to get a cup of coffee every morning before work.
Yeah.
And she hadn't done it in the past 2 days, right? And I said, well, there you go, you heroin addict. So, I mean, that's not to be joking about you heroin, but it's, it's, it's that bad, dude. Like, seriously.
Yeah, well, the Starbucks thing was crazy because they probably slipped, you know, they went to that You know, the, the system is much faster. Like, you go into—
what happened though? Did they know what happened?
Def—
no, I—
they didn't say what happened. Maybe they got hacked, or they got one of those—
when they, when they, they never say they get— when nothing ever comes out, I always assume that they got hacked.
Yeah, it's always a, a, a DOS attack. What do they call it?
DOS?
Yeah, DOS attack. That's what it always is. I mean, I've seen it where there was another retailer— I actually got a phone call from an an attorney once, right? He's like, oh, we represent this retailer, they have like 1,500 stores across the US, and for like 40, 35 hours they had no credit card processing. So I was like, so you're gonna tell— so I said to the guy, says, you're gonna tell me you got 1,500 stores and you got no backup? There's no backup system to take credit cards. Like, they don't have a second credit card processor. There's no secondary internet. I mean, you know, your internet goes out, your internet goes out. I tell merchants all the time, business owners, I tell them, I said, you have a router, you know, I said, get a router that you could put a 4G, 5G prepaid card in, you know, don't pay monthly, just a prepaid card, put a bunch of data on there and stick it in the router. If your internet ever goes out during a storm, then that 4G, 5G card is going to pick up.
You're never— if you got power to operate your place, right? I mean, it's a great catch, you know what I mean? Safety, safety catch.
If you have it for $50, you're protecting.
Yeah, for sure.
And I couldn't believe it. And then the guy said, well, do any credit card processors have in their contract guaranteeing uptime on their network. I told them, I says, absolutely not. I've never seen that in a contract.
Yeah, how could they do that unless they provided generators?
And well, no, I'm just saying, because we've seen, you know, over the years, you know, there's a few networks that we've worked with that had outages. Most of them last like minutes, right? Some of them maybe 30 minutes. To an hour. That was a pretty long one. I was actually surprised that I didn't even hear about it, but it's a smaller network that's probably only used by bigger companies.
So you would think that you would have heard about it if it was used by bigger companies, right?
But wasn't in the news because I think that's crazy. Under the rug, they kept it out of the— they kept it out of the news.
Anything else? You know what's funny to me though, uh, there's a newsletter I follow, right? And it's in the same space as us, right? But they've been talking about the FedNow conspiracy stuff too. Did you notice that?
Yes, I noticed that. I noticed a couple of people after we put that out—
well, we're not saying what we put out. I've done—
I know, I'm just saying, like, I've done— we did a podcast.
It's, it's just, it's just funny that it's like somebody else's podcast. Oh, that's right, you were on another podcast about that, right? And it was about FedNow, right?
The discussion started on something else and then it went to FedNow.
Took a left turn quick, right? And then all of a sudden, like, that would— that podcast went from that to this in like the first 2 minutes.
Well, we didn't even start the podcast.
That's what I'm saying.
Yeah, they were like, oh, let's talk about that.
Let's just talk about FedNow.
Yeah. And I was actually— and I'm actually surprised now that I'm seeing more and more people talk about, like, is FedNow like a big conspiracy from the government to take over the payments industry? And it's actually being talked about. Yeah, speaking about FBI, open up. Did you see that they found cocaine at the White House in the West Wing?
Hey, someone was out there partying Fourth of July weekend. Leave those guys alone. Someone's got to protect the free world of the, the country. Patriotism! Ah, they're probably snorting lines off the— off the office. No, off the flag. The flag. Super disrespectful.
Well, let me tell you, I saw the story and I said, oh, this must be fake, right? Because why would— I mean, it's just— was a random story. Then I looked and said, oh, also in the Washington Post. So I clicked it, it's in the Washington Post. Then I Google it, I see a whole bunch of stories.
Yeah, it's— what didn't even hit the news that I seen another one where they shut down DC 'cause they found a white substance, a box of.
Yeah.
And they said that was cocaine. They said that was cocaine. So like it was just all a big joke. That's what I thought anyway. So I'm under, I'm gonna throw it out there. I'll be the first one to say it. Hunter Biden is playing a terrible practical joke on his dad. That's not okay, Hunter. You can't be leaving kilos of cocaine outside of the White House and then stashing it in the South Wing or wherever was the West Wing. Come on, man, that's not okay, dude.
The president does everything in the West Wing.
Apparently he's doing cocaine.
Uh, somebody was doing cocaine over there.
You know, the other thing, if I was on that administration, I'd probably be doing some cocaine too. Sheesh, man. Biden can't walk up the stairs.
I mean, KJP, she looks like she's on cocaine.
Who's that?
This press secretary, she's always getting bombarded.
No, she does not.
I'm joking. I'm just saying. No, the other thing that was crazy, the little, the little lady. Yeah, she's—
I like her. She's smart.
Okay.
She's good at her job.
She doesn't answer a lot of questions.
She is really good at her job though. She— that's her job.
I have not answered.
Yes.
But the other thing that was crazy in the news last week Was the thing with Cash App that was sending—
what happened in Cash App? Oh yeah, about the double. I didn't— we checked, I checked mine, I didn't get double.
It didn't happen to a lot of people.
It was, it was that for— it wasn't for you sending, it was when you purchased. Oh, purchased is when you were making purchases with your Cash App debit card, specifically like on location, like if you were going to TAP, right, or whatever, you know, you're there on location. Yeah, you gotta grab that, otherwise it's gonna go crazy. Thank you. Yeah, we got a new couple new— anyway, man, we're tightening up the podcast. We're trying to make it better for everyone. We got it under— we're learning how to get it right. Better.
No, but the Cash App thing was a little crazy.
Yeah, I didn't get double tapped. I didn't get charged twice.
So that They didn't really come out and go into the specifics of it, just said, hey, if you got Cash App, you better check. Because, you know, if you were a business and you're receiving— and that's another new thing that started happening now, it's like all these like third-party companies, right, that are not really banks started giving out credit cards. Like Cash App's not a bank and they have a debit card. Klarna, a firm, right, giving out credit cards. Right, people. So those are not really banks, and then they're giving people credit cards. And so I find it a little— I find that like sketchy. Well, I think it's a little sketchy. I think that— I think the government—
well, I don't know about the government, right? I think that the people need to stop like and really pay more attention to what they're signing. You got to read those papers, dude. Like, you got all these, you know, you're going to end up in so much debt You know, what's the interest rate on those cards, right?
No, they don't even tell you.
But that's what I'm saying, like, what's the fees? They don't say nothing and they just approve you, and then now you're connected to the bank account. And, you know, like, I, I, I, I think it's a great thing that, you know, that you're able to, you know, that people are able to make these purchases that were not able to before. But there needs to be some sort of, like, threshold set in place or something like a safeguard so that people aren't getting themselves in sort of in trouble with debt?
Well, I think that these companies started issuing cards out so that now they can hold users more accountable because most of those companies are in debt up to their eyeballs into the multi-million.
Yeah, I mean, we've had multiple podcasts about how can they be making money when you're letting me pay, uh, stretching out an order that was $11. Like, I don't understand the science on that. You break the math down to me, I have no clue.
That doesn't sound like a money maker, cuz even it cost them a few—
maybe it could have been an accident, I slipped through the crack somehow. But if I did, how many times does it happen?
Yeah, hundreds and thousands.
Exactly. So like, you know, I don't know, man. But yo, that's the pod. If you got anything you want to talk about, man, feel free to hit up Allen, myself on Twitter. Check here down below, under here, you know, it'll be a little thing. @JROwings, @AllenKopelman. Um, yeah, follow the podcast on all of the DSPs, but yeah, please subscribe to YouTube channel, hit the post notifications, turn on the subscribes, never miss another episode. So that's it.
Peace out. Peace.
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How High School Teens Are Fighting AI Scams & Deepfakes | The Biz To Biz Podcast




