The same thing that did the education for people to learn a credit card or their smartphone, it's a mixture of banks, friends, work. It's a gradual thing, there's no need to remove curriculum.
I don't know what you're imagining as an alternative.
My question remains: to what extent is selective disclosure useful given the demonstrable human factors failures in existing selective disclosure systems?
User agreements are another example of failure. They give full disclosure, on a take-or-leave-it basis. Few people say no to GitHub when it means being blocked from participating in most software development projects.
Plus, very few actually read that full disclosure. I can guarantee you that most people do not come out of high school with sufficient training to read those agreements, much less immigrants like me who never received training in the Swedish legalese I am required to agree to use digital healthcare.
All these experiences tell me that a central personal information store as described will have exactly the same failures, and that selective disclosure will in practice be equally meaningless.
"Learn a credit card" is misdirection. We know from the number of people who declared bankruptcy due to credit card debt that they didn't all learn how to use it correctly, or had no alternative than taking on ruinous debt.
I think this discussion is going in a few unhelpful directions. These "wallets" are not used for financial transactions, they're for credentials. They are an alternative to paper/plastic driver's licenses, proof of majority, etc. Selective disclosure is a specific thing, it's not relevant to compare it to "full disclosure." If you must compare, it is much easier to understand what it means to use a very fine grained proof ("the person in this picture is over 21") compared to handing over many personal details on a typical physical ID (full name, exact birth date, medical conditions, address, country of birth, etc).
People going bankrupt through credit abuse is a separate issue from learning how to technically use such instruments. Many know how to "properly" use it, but have a weakness where the only solution may be to impose limitations. Many others are taken in by misleading tactics. Fine grained digital approaches can help those situations.
It is partially how you look at it. I want information systems to become coherent รก la the semantic web, but in a specifically user-specific way (which is one of the ideas of Solid). I think that well defined digital credentials are an opportunity to give people a better view of the information they hold, and to enable ways to make issuers more accountable with a fine grained approach; eg evaluable axioms per credential fashioned after "law as code" approaches. This could be connected to a neuro-symbolic AI so the user can discuss scenarios outside transactions. Especially with an increase in inter-related credentials, that will make it easier to manage and less of a separate world that some institutions and companies control, which I think is incredibly valuable. Some of these ideas aren't possible yet, but we aren't going to get there by continuing to produce grey goo systems.
While credit has harmed some people (which is regrettable and should be resolved) it has enabled the vast majority of users to build better lives past other forms of capital. With digital systems and well defined data, the user can walk through clear, directly relevant, and private scenarios of what their next action will yield, without any dependency on a particular provider. But only if there is a forceful move to coherent data.
dalke|1 year ago
User agreements are another example of failure. They give full disclosure, on a take-or-leave-it basis. Few people say no to GitHub when it means being blocked from participating in most software development projects.
Plus, very few actually read that full disclosure. I can guarantee you that most people do not come out of high school with sufficient training to read those agreements, much less immigrants like me who never received training in the Swedish legalese I am required to agree to use digital healthcare.
All these experiences tell me that a central personal information store as described will have exactly the same failures, and that selective disclosure will in practice be equally meaningless.
"Learn a credit card" is misdirection. We know from the number of people who declared bankruptcy due to credit card debt that they didn't all learn how to use it correctly, or had no alternative than taking on ruinous debt.
davidy123|1 year ago
People going bankrupt through credit abuse is a separate issue from learning how to technically use such instruments. Many know how to "properly" use it, but have a weakness where the only solution may be to impose limitations. Many others are taken in by misleading tactics. Fine grained digital approaches can help those situations.
It is partially how you look at it. I want information systems to become coherent รก la the semantic web, but in a specifically user-specific way (which is one of the ideas of Solid). I think that well defined digital credentials are an opportunity to give people a better view of the information they hold, and to enable ways to make issuers more accountable with a fine grained approach; eg evaluable axioms per credential fashioned after "law as code" approaches. This could be connected to a neuro-symbolic AI so the user can discuss scenarios outside transactions. Especially with an increase in inter-related credentials, that will make it easier to manage and less of a separate world that some institutions and companies control, which I think is incredibly valuable. Some of these ideas aren't possible yet, but we aren't going to get there by continuing to produce grey goo systems.
While credit has harmed some people (which is regrettable and should be resolved) it has enabled the vast majority of users to build better lives past other forms of capital. With digital systems and well defined data, the user can walk through clear, directly relevant, and private scenarios of what their next action will yield, without any dependency on a particular provider. But only if there is a forceful move to coherent data.