431 lines
29 KiB
Bash
Executable File
431 lines
29 KiB
Bash
Executable File
#!/bin/bash
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# lobbying data to incorporate in the future: https://disclosurespreview.house.gov/
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typeset -r db_file=$(mktemp --dry-run --suffix=.db)
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table_populate()
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{
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# fiTbl: "financial institution table"
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sqlite3 "${db_file}" <<'EOF'
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create table if not exists fiTbl (name text primary key not null,
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url text,
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fi_kind text check(fi_kind in ('bank', 'brokerage', 'CU', 'insurer')) not null default 'brokerage',
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lst_kind text check(lst_kind in ('black', 'gray', 'white')) not null default 'white',
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hrecaptcha text check(hrecaptcha in ('unavoidable', 'non-essential tasks', 'never')) not null default 'never',
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parent text,
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cflogin boolean default 0,
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antitor boolean default 0,
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alec boolean default 0,
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forced_nfsw boolean default 0,
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aws boolean default 0,
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cispa boolean default 0,
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dt boolean default 0,
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notes text);
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/* BEGIN BROKERAGES */
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/* insert into fiTbl (name,notes) values ("Evertrade","Where's the website? Sold to TIAA-CREF?");*/
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insert into fiTbl (name,url,aws,notes) values ("Janus Henderson","https://www.janushenderson.com",1,"transactional web host (www.secureaccountview.com) is not AWS, but it is Tor-hostile; it's possible to work offline and receive gratis paper statements.");
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insert into fiTbl (name,url,dt,notes) values ("Vanguard","https://investor.vanguard.com",1,"");
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insert into fiTbl (name,url,notes) values ("Rich Uncles","https://richuncles.com","Real estate investing only");
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insert into fiTbl (name,url,aws,notes) values
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("Stash","https://stash.com",1,
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"no mutual funds; no options; no crypto; maintenance fee: $1/month");
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insert into fiTbl (name,url,aws,notes) values
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("nvstr","https://www.nvstr.com",1,
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"maintenance fee: $4/month; promos: $15-150 for funding, random bonus awards, referral bonuses");
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insert into fiTbl (name,url,aws,notes) values
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("tastyworks","https://tastyworks.com",1,
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"TIRA; RIRA; no forex; no crypto; no non-US stocks; open/close fee= $0/0; commission=$5/stock trade (closing trades gratis), $1/option trade; promo: funding (100 shares [$1-6ea, avg:$200-220]), referral=$75");
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insert into fiTbl (name,url,aws,notes) values
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("Webull","https://www.webull.com",1,"TIRA; RIRA; crypto; no forex");
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insert into fiTbl (name,url,aws,notes) values
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("TradeStation","https://www.tradestation.com",1,
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"crypto; min. invest=$500 ($2k for bonus); open/close fee= $0/0; commission=$0.50/option trade; commission=$0-5/stock trade");
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insert into fiTbl (name,url,cispa,notes) values
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("E*Trade","https://us.etrade.com",1,
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"covers: Canada, France, Germany, Hong Kong, Japan, United Kingdom, and United States; funding bonus ($5k=>$50; $10k=>$100; $20k=>$150)");
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insert into fiTbl (name,url,notes) values
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("Greenvest","https://greenvest.com",
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"RIRA; min. investment to avoid fees: $100k; [B corp](https://bcorporation.net/directory/greenvest)");
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insert into fiTbl (name,url,aws,notes) values
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("Robinhood","https://robinhood.com/us/en/",1,"[Fined $65M](https://nypost.com/2020/12/17/sec-slaps-robinhood-app-with-65m-fine-for-misleading-users) for misleading users; They may have used CloudFlare in the past but apparently that changed");
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insert into fiTbl (name,url,notes) values
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("InteractiveBrokers","https://interactivebrokers.com",
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"min. investment to avoid fees: $100k per account; has a ""impact"" feature to analyze the portfolio's ESG factors w.r.t. the user's ethical views; covers Australia, Belgium, Canada, France, Germany, Hong Kong, Italy, Japan, Mexico, Netherlands, Singapore, South Korea, Spain, Sweden, Switzerland, United Kingdom, and United States; website is **partially Tor-hostile** but the site can be avoided for most operations after sign-up");
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insert into fiTbl (name,url,lst_kind,notes) values
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("TD Ameritrade","https://www.tdameritrade.com","black",
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"Majority owned by Charles Schwab, a firm that [supports](us_banks.md) republicans, CISPA, drug tests their staff, and treats Tor users with hostility (but note that TDA functions over Tor). Schwab outsources banking operations to PNC bank, which is [quite evil](us_banks.md); [Uses MS Github to host s/w](https://github.com/TDAmeritrade/stumpy)");
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insert into fiTbl (name,url,hrecaptcha,aws,notes) values ("Fundrise","https://fundrise.com","unavoidable",1,"Unavoidable CAPTCHAs");
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insert into fiTbl (name,url,aws,cispa,alec,dt) values ("Prudential","https://www.prudential.com",1,1,1,1);
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insert into fiTbl (name,url,cflogin,aws) values ("Ellevest","https://www.ellevest.com",1,1);
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insert into fiTbl (name,url,cflogin) values ("Euro Pacific Capital","https://europacbank.com",1);
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insert into fiTbl (name,url,cflogin) values ("Zackstrade","https://zackstrade.com",1);
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insert into fiTbl (name,url,cflogin) values ("Stockpile","https://www.stockpile.com",1);
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insert into fiTbl (name,url,cflogin) values ("Tradingblock","https://tradingblock.com",1);
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insert into fiTbl (name,url,cflogin) values ("Wealthsimple","https://wealthsimple.com",1);
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insert into fiTbl (name,url,notes) values
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("Finhabits","https://www.finhabits.com",
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"[B corp](https://bcorporation.net/directory/finhabits); Hosted on Google Cloud; outsources to Apex; uses Equifax for address verification");
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insert into fiTbl (name,url,hrecaptcha,notes) values
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("Wealthfront","https://www.wealthfront.com","unavoidable","Registration imposes Google reCAPTCHA; [caught](https://www.jpost.com/Breaking-News/US-regulator-sanctions-robo-advisers-Wealthfront-Hedgeable-on-false-disclosures-575044) making false disclosures and [charged](https://www.eastbaytimes.com/2018/12/21/bay-area-robo-adviser-firm-wealthfront-charged-by-sec-with-false-advertising) for false advertising.");
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insert into fiTbl (name,url,cflogin,aws,notes) values
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("Axos Invest","https://www.axosinvest.com",1,1,
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"Axos Bank is jailed in CloudFlare and Axos Invest will be soon. Investors who get blocked by that will have to pay $5/month for paper statements.");
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insert into fiTbl (name,url,antitor,notes) values
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("Firstrade","https://firstrade.com",1,"whole site is Tor-hostile (468 error)");
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insert into fiTbl (name,url,antitor,notes) values
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("TIAA-CREF","https://tiaa-cref.org",1,"Whole site is Tor-hostile");
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insert into fiTbl (name,url,antitor,cispa,notes) values
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("Ally","http://www.ally.com/",1,1,"whole site is Tor-hostile (403 error)");
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insert into fiTbl (name,url,cflogin,notes) values
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("SoFi","https://sofi.com/",1,
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"They censor posts in their Reddit sub that expose the risks of passing sensitive financial data through CloudFlare; also [caught](https://www.ftc.gov/news-events/press-releases/2018/10/online-student-loan-refinance-company-sofi-settles-ftc-charges) in a deceptive advertizing scandal.");
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insert into fiTbl (name,url,cflogin,notes) values
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("M1 Finance","https://www.m1finance.com",1,
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"They censor posts in their Reddit sub that expose the risks of passing sensitive financial data through CloudFlare.");
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insert into fiTbl (name,url,cflogin,notes) values ("Lightspeed","https://www.lightspeed.com",1,"");
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insert into fiTbl (name,url,hrecaptcha,notes) values
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("Betterment","https://www.betterment.com","unavoidable",
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"Imposes hCAPTCHA just to read the landing page. They censor posts in their Reddit sub that complains about this instead of offering support.");
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insert into fiTbl (name,url,cflogin,notes) values ("Siebert","https://www.siebert.com",1,"");
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insert into fiTbl (name,url,parent,dt,notes) values
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("Merrill Edge","https://www.merrilledge.com/","Bank of America",1,
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"Owned by one of the [most evil](us_banks.md) banks in the world (Bank of America)");
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insert into fiTbl (name,url,parent,cispa,dt,notes) values
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("Wellstrade","https://wellstrade","Wells Fargo",1,1,"Owned by Wells Fargo, an [evil](us_banks.md) bank.");
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insert into fiTbl (name,url,cflogin,notes) values
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("Sogotrade","https://sogotrade.com",1,"");
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insert into fiTbl (name,url,forced_nfsw,notes) values
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("FUTU","fututrade.com",1,
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"support.fututrade.com is CloudFlared; no web app; mobile app is GPS-iOS-only; desktop is Mac/Windows only");
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insert into fiTbl (name,url,forced_nfsw,notes) values
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("Gatsby","trygatsby.com",1,"no web app; no desktop app; mobile app is GPS-iOS-only");
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/* END BROKERAGES */
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/* BEGIN INSURERS */
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insert into fiTbl (fi_kind,name,url,parent) values ("insurer","21st Century","https://www.21st.com","Farmers");
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insert into fiTbl (fi_kind,name,url,cispa,dt,aws) values ("insurer","Allianz","https://allianz.com",1,1,1);
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insert into fiTbl (fi_kind,name,url,cispa,dt,aws,antitor) values ("insurer","Allied","https://www.alliedinsurance.com",1,1,1,1);
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insert into fiTbl (fi_kind,name,url,cispa,dt,antitor,notes) values ("insurer","Allstate","https://www.allstate.com",1,1,1,"akamai hosted");
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insert into fiTbl (fi_kind,name,url) values ("insurer","American Family","https://www.amfam.com");
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insert into fiTbl (fi_kind,name,url,cflogin,notes) values ("insurer","American Modern","https://www.amig.com",1,"**Google Cloud-hosted** landing page, which is CloudFlare-free but the transactional host my.doculivery.com is CFd");
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insert into fiTbl (fi_kind,name,url,cispa,dt,notes) values ("insurer","Ameriprise Financial","https://www.ameriprise.com",1,1,"akamai hosted");
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insert into fiTbl (fi_kind,name,url,antitor) values ("insurer","Amica","https://www.amica.com",1);
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insert into fiTbl (fi_kind,name,url,dt) values ("insurer","Berkshire Hathaway","https://berkshirehathaway.com",1);
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insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin,cispa) values ("insurer","Brown & Brown Insurance","https://bbinsurance.com",'unavoidable',1,1);
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insert into fiTbl (fi_kind,name,url) values ("insurer","Erie","https://www.erieinsurance.com");
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insert into fiTbl (fi_kind,name,url,parent,notes) values ("insurer","Esurance","https://www.esurance.com","Allstate","akamai hosted");
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insert into fiTbl (fi_kind,name,url,alec,dt,notes) values ("insurer","Farmers","https://www.farmers.com",1,1,"akamai hosted");
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insert into fiTbl (fi_kind,name,url,dt) values ("insurer","First American Insurance Agency","https://www.faiagency.com",1);
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insert into fiTbl (fi_kind,name,url,parent,dt) values ("insurer","Foremost","http://www.foremost.com","Farmers",1);
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insert into fiTbl (fi_kind,name,url,alec,dt,notes) values ("insurer","Geico","https://www.geico.com",1,1,"akamai hosted but transactional site ecams.geico.com is not.");
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insert into fiTbl (fi_kind,name,url,parent,notes) values ("insurer","Gen Re","https://www.genre.com","Berkshire Hathaway","akamai hosted, but transactional site www.genre-connect.com is not. The documentation (""Knowledge"" link) is CloudFlared.");
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insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","National General","https://www.nationalgeneral.com",1,"formerly GMAC");
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insert into fiTbl (fi_kind,name,url,dt) values ("insurer","Grange Mutual","https://www.grangeinsurance.com",1);
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insert into fiTbl (fi_kind,name,url,parent) values ("insurer","Harleysville Group","https://www.harleysvillegroup.com","Nationwide");
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insert into fiTbl (fi_kind,name,url,antitor,cispa,dt,notes) values ("insurer","Hartford","https://www.thehartford.com",1,1,1,"akamai hosted");
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insert into fiTbl (fi_kind,name,dt,notes) values ("insurer","Horace Mann",1,"no website, only an access-restricted Facebook page");
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insert into fiTbl (fi_kind,name,url,antitor,dt) values ("insurer","Infinity","https://infinityauto.com",1,1);
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insert into fiTbl (fi_kind,name,url,antitor,alec,notes) values ("insurer","Lexington","https://www.lexingtoninsurance.com",1,1,"landing page allows Tor access but all links therein refuse Tor; AIG partner");
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insert into fiTbl (fi_kind,name,url,antitor,alec,cispa,notes) values ("insurer","Liberty Mutual","https://www.libertymutual.com",1,1,1,"akamai hosted");
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insert into fiTbl (fi_kind,name,url,antitor,dt) values ("insurer","Mercury","https://www.mercuryinsurance.com",1,1);
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insert into fiTbl (fi_kind,name,url,cispa,dt,aws,notes) values ("insurer","MetLife","https://www.metlife.com",1,1,1,"transactional site identity.metlife.com is not AWS");
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insert into fiTbl (fi_kind,name,notes) values ("insurer","N&D Group","no website, only an access-restricted Facebook page");
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insert into fiTbl (fi_kind,name,url,antitor,aws,alec,cispa,dt) values ("insurer","Nationwide","https://nationwide.com",1,1,1,1,1);
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insert into fiTbl (fi_kind,name,url,antitor,dt) values ("insurer","Progressive","https://progressive.com",1,1);
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insert into fiTbl (fi_kind,name,url,antitor,notes) values ("insurer","Safe Auto","http://www.safeauto.com",1,"**Tor-hostile** sign-in page despite Tor-friendly landing page.");
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insert into fiTbl (fi_kind,name,url,parent,antitor,notes) values ("insurer","Safeco","https://safeco.com","Liberty Mutual",1,"akamai hosted");
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insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","Selective","https://www.selective.com",1,"pushes CloudFlare javascript, but apparently execution is optional.");
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insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","Shelter Insurance","https://web.archive.org/web/shelterinsurance.com",1,"CloudFlare name server is used, which means they can trivially flip a switch to become a CF site.");
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insert into fiTbl (fi_kind,name,url,antitor,alec,cispa,dt,notes) values ("insurer","State Farm","https://www.statefarm.com",1,1,1,1,"edgecast-hosted");
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insert into fiTbl (fi_kind,name,url,aws,dt) values ("insurer","Stewart Information Services Corporation","https://www.stewart.com/en.html",1,1);
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insert into fiTbl (fi_kind,name,url) values ("insurer","The General","https://thegeneral.com");
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insert into fiTbl (fi_kind,name,url,parent) values ("insurer","Titan","https://titaninsured.com","Nationwide");
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insert into fiTbl (fi_kind,name,url,cispa,dt,notes) values ("insurer","Travelers","https://www.travelers.com",1,1,"akamai hosted");
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insert into fiTbl (fi_kind,name,url,antitor,cispa,dt) values ("insurer","USAA","https://www.usaa.com",1,1,1);
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insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin) values ("insurer","Western Mutual","https://www.westernmutual.com",'unavoidable',1);
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/* END INSURERS */
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update fiTbl set lst_kind = 'gray' where lst_kind = 'white' and (aws or cispa or dt or (notes is not null and (notes like '%tor_hostile%' or notes like '%equifax%' or notes like '%google_cloud_hosted%')));
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update fiTbl set lst_kind = 'black' where cflogin or alec or antitor or forced_nfsw or hrecaptcha = 'unavoidable' or parent in ('Bank of America','Wells Fargo');
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update fiTbl set lst_kind = 'black' where parent in (select name from fiTbl where lst_kind = 'black');
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update fiTbl set lst_kind = 'gray' where parent in (select name from fiTbl where lst_kind = 'gray') and lst_kind = 'white';
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update fiTbl set notes = 'parent: '||parent||case when notes is null then '' else '; '||notes end
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where parent is not null and (notes is null or notes not like '%'||parent||'%');
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update fiTbl set notes = '**Amazon AWS-hosted**'||case when notes is null then '' else '; '||notes end where aws;
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/* update fiTbl set notes = '**Tor-hostile** resources'||case when notes is null then '' else '; '||notes end where antitor and (notes is null or notes not like '%tor_hostile%');*/
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EOF
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};#table_populate
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gen_md()
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{
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local fi_kind=$1
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#local red_circle='🔴'
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local red_circle=$'\xF0\x9F\x94\xB4'
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#local green_circle='🟢'
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local green_circle=$'\xf0\x9f\x9f\xa2'
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#local test_tube='🧪'
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local test_tube=$'\xf0\x9f\xa7\xaa'
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#local cloud_lightening='🌩'
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local cloud_lightening=$'\xf0\x9f\x8c\xa9'
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#local detective='🕵'
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local detective=$'\xf0\x9f\x95\xb5'
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#local okhand='👌'
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local okhand=$'\xF0\x9F\x91\x8C'
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#👁
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local eye=$'\xf0\x9f\x91\x81'
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printf '\n%s\n' '# Whitelist'
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printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
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|---|---|---|---|---|---|---|
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'
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sqlite3 "${db_file}" "select case when url like '_%' then '|['||name||']('||url||')' else '|'||name end,
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case when alec then '$okhand' else 'n' end,
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case when antitor then '$eye' else 'n' end,
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case when cflogin then 'y' else 'n' end,
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case when cispa then 'y' else 'n' end,
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case when dt then 'y' else 'n' end,
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case when notes is null then '|' else notes||'|' end
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from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'white'
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order by name collate nocase;"
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printf '\n%s\n' '# Graylist'
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printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
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|---|---|---|---|---|---|---|
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'
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sqlite3 "${db_file}" "select case when url like '_%' then '|['||name||']('||url||')' else '|'||name end,
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case when alec then '$okhand' else 'n' end,
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case when antitor then '$eye' else 'n' end,
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case when cflogin then 'y' else 'n' end,
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case when cispa then '$detective' else 'n' end,
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case when dt then '$test_tube' else 'n' end,
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case when notes is null then '|' else notes||'|' end
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from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'gray'
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order by name collate nocase;"
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printf '\n%s\n' '# Blacklist'
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printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
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|---|---|---|---|---|---|---|
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'
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sqlite3 "${db_file}" "select '|'||name,
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case when alec then '$okhand' else 'n' end,
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case when antitor then '$eye' else 'n' end,
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case when cflogin then '$cloud_lightening' else 'n' end,
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case when cispa then '$detective' else 'n' end,
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case when dt then '$test_tube' else 'n' end,
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case when notes is null then '|' else notes||'|' end
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from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'black'
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order by name collate nocase;"
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cat <<'EOF'
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# Why ALEC members are blacklisted
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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:
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* [fights environmental protections](https://www.alecexposed.org/wiki/Environment,_Energy,_and_Agriculture)
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* [fights gun control](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
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* [fights healthcare](https://www.alecexposed.org/wiki/Health,_Pharmaceuticals,_and_Safety_Net_Programs)
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* [fights immigration](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
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* [fights worker's rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
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* [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
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* [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers)
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* fights womens rights
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* fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power))
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* [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians)
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* supports the NRA
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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 FIs 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 FIs 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 (CISPA)](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 FIs 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 and Google-hosted FIs 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.
|
|
|
|
Akamai is not known to have a significant history of wrongdoing on the scale of Amazon or Google.
|
|
There is cause for concern in terms of security though because it's large enough to serve as a
|
|
central monitoring point where breaches and compromise is still considerable.
|
|
Akamai-hosted financial institutions are not graylisted for that reason alone.
|
|
In the end, you're the judge.
|
|
|
|
Financial institutions hosted on GAFAM (Google Amazon Facebook Apple Microsoft) 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 ethically favorable to choose a whitelisted financial institution if possible.
|
|
EOF
|
|
};#gen_md
|
|
|
|
table_populate
|
|
|
|
gen_md "${1,,}"; # the CLI arg must be one of: 'bank', 'brokerage', 'CU', or 'insurer'
|