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added rationale for insurer list positions

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cyberMonk 2021-02-09 22:10:33 -05:00
parent c2e939d1b8
commit 7d8abd999b
2 changed files with 352 additions and 29 deletions
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184
tools/gen_brokerage_table.sh
View File

@ -206,24 +206,26 @@ gen_md()
local eye=$'\xf0\x9f\x91\x81'
printf '\n%s\n' '# Whitelist'
printf %s '| *'"$fi_kind"'* | *ALEC member* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|
printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---|
'
sqlite3 "${db_file}" "select case when url like '_%' then '|['||name||']('||url||')' else '|'||name end,
case when alec then '$okhand' else 'n' end,
case when cflogin then 'y' else 'n' end,
case when cispa then 'y' else 'n' end,
case when dt then 'y' else 'n' end,
case when antitor then '$eye' else 'n' end,
case when cflogin then 'y' else 'n' end,
case when cispa then 'y' else 'n' end,
case when dt then 'y' else 'n' end,
case when notes is null then '|' else notes||'|' end
from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'white'
order by name collate nocase;"
printf '\n%s\n' '# Graylist'
printf %s '| *'"$fi_kind"'* | *ALEC member* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|
printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---|
'
sqlite3 "${db_file}" "select case when url like '_%' then '|['||name||']('||url||')' else '|'||name end,
case when alec then '$okhand' else 'n' end,
case when antitor then '$eye' else 'n' end,
case when cflogin then 'y' else 'n' end,
case when cispa then '$detective' else 'n' end,
case when dt then '$test_tube' else 'n' end,
@ -244,6 +246,174 @@ gen_md()
case when notes is null then '|' else notes||'|' end
from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'black'
order by name collate nocase;"
cat <<'EOF'
# Why ALEC members are blacklisted
American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC:
* [fights environmental protections](https://www.alecexposed.org/wiki/Environment,_Energy,_and_Agriculture)
* [fights gun control](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
* [fights healthcare](https://www.alecexposed.org/wiki/Health,_Pharmaceuticals,_and_Safety_Net_Programs)
* [fights immigration](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration
* [fights worker'"'"'s rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers)
* fights womens rights
* fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power))
* [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians)
* supports the NRA
Countless companies were ALEC members historically, but most of them discontinued membership and renounced it likely to avoid boycott.
Companies that continue to renew their ALEC membership are right-wing die-hards unlikely to join team humanity. So they are blacklisted.
EOF
cat <<EOF
The OK hand sign ($okhand) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership.
EOF
cat <<'EOF'
# Why Tor-hostile financial institutions are blacklisted
Financial institutions that are aggressively Tor-hostile are automatically blacklisted.
<details>
<summary>Why access to banks, brokerages, and insurance companies over Tor matters</summary>
If Tor were used exclusively for anonymity, it would be useless in the
context of consumers accessing and controlling their financial
accounts. But that's not the case. Tor prevents your ISP from
snooping on where you bank. ISPs collect data on their own customers
and exploit it for profit in the US. Under Obama it became illegal
for an ISP to sell data collected on their customers without express
consent. As if that's not already useless thanks to an abundant supply
of consumers who will agree to anything without reading it, Trump
<a href="https://www.nbcnews.com/news/us-news/trump-signs-measure-let-isps-sell-your-data-without-consent-n742316">reversed</a>
Obama's policy in 2017 to render consumers completely powerless. Tor
is a free tool to protect from excessive disclosure of where your
assets are. Thus when a financial institution blocks Tor, it prevents you
from taking basic self-defense measures. This trend undermines the
supplier-client relationship whereby we expect the supplier to serve
the customer's interest. It's not just anti-privacy, it's
anti-consumer.
Non-Tor users generally reveal their physical location to their bank or insurance company
every time they login. If all banks and insurance companies didn't care where you reside,
this wouldn't be a problem. But some financial institutions care more than others and
beyond reason. Banks typically
[collect your IP address](https://web.archive.org/web/20201024203113/www.decorahbank.com/legal-information/privacy-policy)
and one bank even outright admits in their
[privacy policy](https://web.archive.org/web/20210206141004/https://beneficialstatebank.com/uploads/files/BSB-Consumer-Privacy-Act-CCPA-Privacy-Notice-Current-6.4.2020.pdf#page=2)
that they collect geolocation data from customers' IP addresses. For
nomads/world travelers banks can make their lives hell if their
profile doesn't seem to match up with their lifestyle. Some banks
will close an account if a customer moves out of their service area.
Insurance companies will question whether you're still eligible for
the policy you have, as they may want to raise your premiums or cancel
your policy if they suspect you're not where your policy is written.
If you want to take a job away from home for a year or two, Tor gives
you the necessary privacy to do that free of hassle and nannying.
</details>
<details>
<summary>Why non-Tor users should also boycott Tor adversaries</summary>
Suppose you never leave home, and you're not bothered if your ISP
collects data on where you bank to then sell to data brokers who can
then sell it to debt collectors. If you're ethical nonetheless, then
you still boycott those who marginalize Tor users. These quotes
elaborate on that moral duty:
"*If you are neutral in situations of injustice, you have chosen the
side of the oppressor. If an elephant has its foot on the tail of a
mouse, and you say that you are neutral, the mouse will not appreciate
your neutrality.*" --Desmond Tutu
"*Arguing that you don't care about the right to privacy because you
have nothing to hide is no different than saying you don't care about
free speech because you have nothing to say.*" --Edward Snowden
To expand on Snowden's philosophy, it's extremely selfish to refuse to
defend a right that others need on the basis that you don't personally
need it now or in the future. Moreover, indirect benefits should not
be overlooked. Human rights activists need civil liberties more than
others, but we all need activists to make the world better for
everyone. Moral duties to you derive from that.
Tor is becoming less usable because the growing majority non-Tor users
are patronizing businesses that marginalize Tor users.
"*Under observation, we act less free, which means we effectively are
less free.*" --Edward Snowden
To neglect to use Tor is to subject yourself to unnecessary
observation. In the context of banking and finance, this in turn
reduces your freedom of movement.
</details>
EOF
cat <<EOF
The eye ($eye) indicates that account access is resticted and exclusive to non-Tor users,
who must expose their IP address to the FI and who must expose their FI to their ISP.
EOF
cat <<'EOF'
# Why financial institutions in CloudFlare's walled-garden are blacklisted
Financial institutions that proxy their services through CloudFlare are
blacklisted automatically for taking a profoundly stupid risk with
consumer's sensitive financial data. CloudFlare holds the SSL keys
for every connection and sees all the traffic including username and
unhashed password. CloudFlare has proven to be untrustworthy with
sensitive information (demonstrated by CloudFlare's doxxing of the
identities of child porn whistle blowers). Apart from the
unacceptably high security risk of having a CloudFlare MitM, there are
countless [ethical problems](rap_sheets/cloudflare.md) with being an
enabler of CloudFlare.
EOF
cat <<EOF
The storm cloud ($cloud_lightening) indicates that account access is resticted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser).
EOF
cat <<'EOF'
# Why CISPA supporters are graylisted
The [Cyber Intelligence Sharing and Protection Act](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act)
was a bill to bypass the 4th amendment to promote a system of unwarranted
mass surveillance through information sharing between the government and private sector.
Congress blocked the bill, but it was later reincarnated as CISA and it passed.
Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it.
Since it does not necessarily reflect the company's recent stance or influence,
supporters are graylisted instead of blacklisted. They should still be avoided in
favor of a whitelisted competitor, but they are considerably less evil than those that are blacklisted.
The spook (🕵) indicates that the financial institution lobbied for a police surveillance state in favor of CISPA.
# Why financial institutions that force their staff to take a drug test are graylisted
Drug testing employees is an assault on the privacy and lifestyle of employees and staff outside the workplace.
In most cases involving medicinal marijuana states, the drug test also harms the healthcare of employees by
intervening in doctors' prescriptions. Normally drug testing would justify blacklisting, but the problem is so
widespread nationwide that the whitelist tends to be overly small. Drug testing also does not do significant
harm to consumers, so companies that drug test are graylisted.
The test tube (🧪) indicates that the financial institution abuses their staff through forced drug testing.
# Why Amazon or Google-hosted financial institutions are graylisted
Amazon is behind [countless evils](rap_sheets/amazon.md). It's paramount to boycott
Amazon for anyone who cares about human rights, privacy, or the
environment. Amazon also has had several data breaches-- Capital One,
Juspay, Swiggy, etc., so it's a bad idea to trust custodians who use
AWS with the security of your money. Google is also evil. Not the degree of evil
that Amazon has achieved, but Google is in the fossil fuel business among
other evils. Google is also a central tech giant which (like Amazon) serves
as a central point of surveillance and also carries the risks of having
a huge number of insiders who can abuse the data. The size of the Amazon and Google
datacenters also makes them a likely target for outside hackers due to the high
rewards of compromise.
Financial institutions hosted on GAFAM are graylisted. The wrongdoing is indirect
and in the end taking a security risk doesn't necessarily lead to a breach.
Of course it's still favorable to choose a whitelisted financial institution.
EOF
};#gen_md
table_populate

197
usa_insurance_companies.md
View File

@ -1,29 +1,29 @@
# Whitelist
| *insurer* | *ALEC member* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|
|[American Family](https://www.amfam.com)|n|n|n|n||
|[Erie](https://www.erieinsurance.com)|n|n|n|n||
|N&D Group|n|n|n|n|no website, only an access-restricted Facebook page|
|[The General](https://thegeneral.com)|n|n|n|n||
| *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---|
|[American Family](https://www.amfam.com)|n|n|n|n|n||
|[Erie](https://www.erieinsurance.com)|n|n|n|n|n||
|N&D Group|n|n|n|n|n|no website, only an access-restricted Facebook page|
|[The General](https://thegeneral.com)|n|n|n|n|n||
# Graylist
| *insurer* | *ALEC member* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|
|[Allianz](https://allianz.com)|n|n|🕵|🧪|**Amazon AWS-hosted**|
|[American Modern](https://www.amig.com)|n|n|n|n|**Google Cloud-hosted**|
|[Ameriprise Financial](https://www.ameriprise.com)|n|n|🕵|🧪|akamai hosted|
|[Berkshire Hathaway](https://berkshirehathaway.com)|n|n|n|🧪||
|[First American Insurance Agency](https://www.faiagency.com)|n|n|n|🧪||
|[Gen Re](https://www.genre.com)|n|n|n|n|parent: Berkshire Hathaway; akamai hosted, but transactional site www.genre-connect.com is not.|
|[Grange Mutual](https://www.grangeinsurance.com)|n|n|n|🧪||
|Horace Mann|n|n|n|🧪|no website, only an access-restricted Facebook page|
|[MetLife](https://www.metlife.com)|n|n|🕵|🧪|**Amazon AWS-hosted**; transactional site identity.metlife.com is not AWS|
|[National General](https://www.nationalgeneral.com)|n|n|n|🧪|formerly GMAC|
|[Selective](https://www.selective.com)|n|n|n|🧪|pushes CloudFlare javascript, but apparently execution is optional.|
|[Shelter Insurance](https://shelterinsurance.com)|n|n|n|🧪||
|[Stewart Information Services Corporation](https://www.stewart.com/en.html)|n|n|n|🧪|**Amazon AWS-hosted**|
|[Travelers](https://www.travelers.com)|n|n|🕵|🧪|akamai hosted|
| *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---|
|[Allianz](https://allianz.com)|n|n|n|🕵|🧪|**Amazon AWS-hosted**|
|[American Modern](https://www.amig.com)|n|n|n|n|n|**Google Cloud-hosted**|
|[Ameriprise Financial](https://www.ameriprise.com)|n|n|n|🕵|🧪|akamai hosted|
|[Berkshire Hathaway](https://berkshirehathaway.com)|n|n|n|n|🧪||
|[First American Insurance Agency](https://www.faiagency.com)|n|n|n|n|🧪||
|[Gen Re](https://www.genre.com)|n|n|n|n|n|parent: Berkshire Hathaway; akamai hosted, but transactional site www.genre-connect.com is not.|
|[Grange Mutual](https://www.grangeinsurance.com)|n|n|n|n|🧪||
|Horace Mann|n|n|n|n|🧪|no website, only an access-restricted Facebook page|
|[MetLife](https://www.metlife.com)|n|n|n|🕵|🧪|**Amazon AWS-hosted**; transactional site identity.metlife.com is not AWS|
|[National General](https://www.nationalgeneral.com)|n|n|n|n|🧪|formerly GMAC|
|[Selective](https://www.selective.com)|n|n|n|n|🧪|pushes CloudFlare javascript, but apparently execution is optional.|
|[Shelter Insurance](https://shelterinsurance.com)|n|n|n|n|🧪||
|[Stewart Information Services Corporation](https://www.stewart.com/en.html)|n|n|n|n|🧪|**Amazon AWS-hosted**|
|[Travelers](https://www.travelers.com)|n|n|n|🕵|🧪|akamai hosted|
# Blacklist
| *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
@ -51,3 +51,156 @@
|Titan|n|n|n|n|n|parent: Nationwide|
|USAA|n|👁|n|🕵|🧪||
|Western Mutual|n|n|🌩|n|n||
# Why ALEC members are blacklisted
American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC:
* [fights environmental protections](https://www.alecexposed.org/wiki/Environment,_Energy,_and_Agriculture)
* [fights gun control](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
* [fights healthcare](https://www.alecexposed.org/wiki/Health,_Pharmaceuticals,_and_Safety_Net_Programs)
* [fights immigration](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration
* [fights worker'"'"'s rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers)
* fights womens rights
* fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power))
* [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians)
* supports the NRA
Countless companies were ALEC members historically, but most of them discontinued membership and renounced it likely to avoid boycott.
Companies that continue to renew their ALEC membership are right-wing die-hards unlikely to join team humanity. So they are blacklisted.
The OK hand sign (👌) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership.
# Why Tor-hostile financial institutions are blacklisted
Financial institutions that are aggressively Tor-hostile are automatically blacklisted.
<details>
<summary>Why access to banks, brokerages, and insurance companies over Tor matters</summary>
If Tor were used exclusively for anonymity, it would be useless in the
context of consumers accessing and controlling their financial
accounts. But that's not the case. Tor prevents your ISP from
snooping on where you bank. ISPs collect data on their own customers
and exploit it for profit in the US. Under Obama it became illegal
for an ISP to sell data collected on their customers without express
consent. As if that's not already useless thanks to an abundant supply
of consumers who will agree to anything without reading it, Trump
<a href="https://www.nbcnews.com/news/us-news/trump-signs-measure-let-isps-sell-your-data-without-consent-n742316">reversed</a>
Obama's policy in 2017 to render consumers completely powerless. Tor
is a free tool to protect from excessive disclosure of where your
assets are. Thus when a financial institution blocks Tor, it prevents you
from taking basic self-defense measures. This trend undermines the
supplier-client relationship whereby we expect the supplier to serve
the customer's interest. It's not just anti-privacy, it's
anti-consumer.
Non-Tor users generally reveal their physical location to their bank or insurance company
every time they login. If all banks and insurance companies didn't care where you reside,
this wouldn't be a problem. But some financial institutions care more than others and
beyond reason. Banks typically
[collect your IP address](https://web.archive.org/web/20201024203113/www.decorahbank.com/legal-information/privacy-policy)
and one bank even outright admits in their
[privacy policy](https://web.archive.org/web/20210206141004/https://beneficialstatebank.com/uploads/files/BSB-Consumer-Privacy-Act-CCPA-Privacy-Notice-Current-6.4.2020.pdf#page=2)
that they collect geolocation data from customers' IP addresses. For
nomads/world travelers banks can make their lives hell if their
profile doesn't seem to match up with their lifestyle. Some banks
will close an account if a customer moves out of their service area.
Insurance companies will question whether you're still eligible for
the policy you have, as they may want to raise your premiums or cancel
your policy if they suspect you're not where your policy is written.
If you want to take a job away from home for a year or two, Tor gives
you the necessary privacy to do that free of hassle and nannying.
</details>
<details>
<summary>Why non-Tor users should also boycott Tor adversaries</summary>
Suppose you never leave home, and you're not bothered if your ISP
collects data on where you bank to then sell to data brokers who can
then sell it to debt collectors. If you're ethical nonetheless, then
you still boycott those who marginalize Tor users. These quotes
elaborate on that moral duty:
"*If you are neutral in situations of injustice, you have chosen the
side of the oppressor. If an elephant has its foot on the tail of a
mouse, and you say that you are neutral, the mouse will not appreciate
your neutrality.*" --Desmond Tutu
"*Arguing that you don't care about the right to privacy because you
have nothing to hide is no different than saying you don't care about
free speech because you have nothing to say.*" --Edward Snowden
To expand on Snowden's philosophy, it's extremely selfish to refuse to
defend a right that others need on the basis that you don't personally
need it now or in the future. Moreover, indirect benefits should not
be overlooked. Human rights activists need civil liberties more than
others, but we all need activists to make the world better for
everyone. Moral duties to you derive from that.
Tor is becoming less usable because the growing majority non-Tor users
are patronizing businesses that marginalize Tor users.
"*Under observation, we act less free, which means we effectively are
less free.*" --Edward Snowden
To neglect to use Tor is to subject yourself to unnecessary
observation. In the context of banking and finance, this in turn
reduces your freedom of movement.
</details>
The eye (👁) indicates that account access is resticted and exclusive to non-Tor users,
who must expose their IP address to the FI and who must expose their FI to their ISP.
# Why financial institutions in CloudFlare's walled-garden are blacklisted
Financial institutions that proxy their services through CloudFlare are
blacklisted automatically for taking a profoundly stupid risk with
consumer's sensitive financial data. CloudFlare holds the SSL keys
for every connection and sees all the traffic including username and
unhashed password. CloudFlare has proven to be untrustworthy with
sensitive information (demonstrated by CloudFlare's doxxing of the
identities of child porn whistle blowers). Apart from the
unacceptably high security risk of having a CloudFlare MitM, there are
countless [ethical problems](rap_sheets/cloudflare.md) with being an
enabler of CloudFlare.
The storm cloud (🌩) indicates that account access is resticted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser).
# Why CISPA supporters are graylisted
The [Cyber Intelligence Sharing and Protection Act](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act)
was a bill to bypass the 4th amendment to promote a system of unwarranted
mass surveillance through information sharing between the government and private sector.
Congress blocked the bill, but it was later reincarnated as CISA and it passed.
Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it.
Since it does not necessarily reflect the company's recent stance or influence,
supporters are graylisted instead of blacklisted. They should still be avoided in
favor of a whitelisted competitor, but they are considerably less evil than those that are blacklisted.
The spook (🕵) indicates that the financial institution lobbied for a police surveillance state in favor of CISPA.
# Why financial institutions that force their staff to take a drug test are graylisted
Drug testing employees is an assault on the privacy and lifestyle of employees and staff outside the workplace.
In most cases involving medicinal marijuana states, the drug test also harms the healthcare of employees by
intervening in doctors' prescriptions. Normally drug testing would justify blacklisting, but the problem is so
widespread nationwide that the whitelist tends to be overly small. Drug testing also does not do significant
harm to consumers, so companies that drug test are graylisted.
The test tube (🧪) indicates that the financial institution abuses their staff through forced drug testing.
# Why Amazon or Google-hosted financial institutions are graylisted
Amazon is behind [countless evils](rap_sheets/amazon.md). It's paramount to boycott
Amazon for anyone who cares about human rights, privacy, or the
environment. Amazon also has had several data breaches-- Capital One,
Juspay, Swiggy, etc., so it's a bad idea to trust custodians who use
AWS with the security of your money. Google is also evil. Not the degree of evil
that Amazon has achieved, but Google is in the fossil fuel business among
other evils. Google is also a central tech giant which (like Amazon) serves
as a central point of surveillance and also carries the risks of having
a huge number of insiders who can abuse the data. The size of the Amazon and Google
datacenters also makes them a likely target for outside hackers due to the high
rewards of compromise.
Financial institutions hosted on GAFAM are graylisted. The wrongdoing is indirect
and in the end taking a security risk doesn't necessarily lead to a breach.
Of course it's still favorable to choose a whitelisted financial institution.