Wish I could see it. www.onem.be seems to be dropping my packets.

eclic.ro is an exclusive Cloudflare site just like change.org is. Exclusivity is obviously quite lousy for democracy. Better alternatives are here:

https://codeberg.org/swiso/website/issues/140

privacytools.io always was shit show even before the infighting. They put their own endorsement site on Cloudflare. Despite a collossal pile of dirt emerging on #Signal:

https://github.com/privacytools/privacytools.io/issues/779

PTIO continued endorsing Signal non-stop, refusing to disclose the issues. That was also before the breakup. Dirt was routinely exposed on PTIO endorsements and it never changed their endorsement nor did they reveal the findings on their website.

Now both factions are hypocrits just as they were when they were united. The original PTIO site is back to being Cloudflared (nothing like tossing people coming to you for privacy advice into the walled garden of one of the most harmful privacy offenders), and Privacy Guides has setup on a CF’d Lemmy node. The hypocrisy has no end with these people.

Interesting, but that does not help because Mint jails all their docs in Cloudflare.

Also worth noting that #Ubuntu and #Mint both moved substantial amounts of documentation into Cloudflare (the antithisis of the values swiso claims to support). I have been moving people off those platforms.

BTW, prism-break is a disasterous project too. You know they don’t have a clue when they moved their repo from Github.com to Gitlab.com, an access-restricted Cloudflare site. There are tens if not hundreds of decent forges to choose from and PRISM Break moved from the 2nd worst to the one that most defeats the purpose of their constitution.

It might be useful to find dirt on various tech at prism-break, but none of these sites can be trusted for endorsements.

The prism-break website is timing out for me right now. I would not be surprised if they were dropping Tor packets since they have a history of hypocrisy.

If you look in their bug tracker, it actually reveals that they ignore dirt that has been dug up on their suggestions.

As others have mentioned there is little in the way of justification for these suggestions, and while I happen to agree with plenty of them, I’d personally like to see more reasoning, if not to appease people that already have opinions then to help newer users understand their options.

Indeed. In fact it’s actually worse than you describe. Swiso witholds negative information. They don’t want to inform people. They want to steer people. For example, swiso’s endorsements for donation platforms have some quite serious problems:

https://codeberg.org/swiso/website/issues/141

swiso is also aware of the serious issues with Qwant and the serious issues with DuckDuckGo. Not only failing to remove them but also failing to inform. Qwant and DDG are both Microsoft syndicates!

(if anyone is interested, one of the most privacy-respecting search services is Ombrelo¹, which is largely unknown to the world because PTIO, swiso, and prism-break don’t do the job they claim to do)

And swiso is aware because that’s their bug tracker.

/cc @Imprint9816@lemmy.dbzer0.com

¹ https://ombrelo.im5wixghmfmt7gf7wb4xrgdm6byx2gj26zn47da6nwo7xvybgxnqryid.onion/

There are a few good alternatives and swiso has been aware of them for ~4+ years:

https://codeberg.org/swiso/website/issues/140

I would say mostly true.

I moved to a region where my lifestyle (accounting for wages, tax, cost of living) was effectively cut in half. Yet it was still the right move. My initial thinking was I will live anywhere for a year to get a different experience - I can always bounce back if I don’t like it… if the pay reduction bothered me. I ended up staying ~10 years.

A big factor is where you are in life. Fresh out of university, it’s important to gain ground right away and perhaps get the house paid for, or nearly so. But once you’re a senior dev and at a point of calling yourself “privileged class" with a decent sized 401k built up (which is great to convert to a Roth while abroad), you’re only cheating yourself out of life experiences by continuing to chase the money. Some research concluded around ~10 yrs ago that people’s overall happiness improves as income increases up until the $55k/year mark. Beyond that, income doesn’t matter much. Of course that would be a little higher now with inflation but I guess the OP has cleared that figure.

I think it was around 15 years ago I started researching typical incomes around the world and I noticed that Japan paid SWEs double the US average. Cost of living was about 50% higher in Japan but it still worked out that a US→Japan move would have been a lifestyle upgrade. So there are some rare exceptions.

I think you would benefit most by moving abroad. Staying in one country your whole life is very one-dimensional. If you move to another country, esp. overseas, you will look back on your current boredom as wasting your life and you will regret not having done it sooner. Go for just one year. You can always return if you don’t like it. You might be someone who says “I went for 1 year, but stayed 5”.

But first move to a purple swing state like GA or PA for just a month or two, then move your stuff into mini storage. Two reasons: you get to experience a different part of the US, briefly, and you can register to vote in a place where your future votes will count the most. Because that’s the state you will vote in while abroad. OTOH, isn’t Texas on the edge of being a swing state? It’s probably not a bad place to vote from.

How many websites can handle the amount of traffic that CF can handle? It’s not just about configuring your firewall, it’s about having the bandwidth. Otherwise it’s not much of a DDoS protection.

That’s what I’ve been saying throughout this thread. The only significant DDoS protection offered by Cloudflare requires CF seeing the traffic (and holding the keys) so it can treat the high-volume traffic. If CF cannot see the payloads, it cannot process it other than to pass it all through to the original host (thus defeating the DDoS protection purpose).

As I don’t have an account there I can’t see which requests containing credentials use which cert.

Why would you need an account? Why wouldn’t bogus creds take the same path?

If it’s true that this is unverifiable, that’s good cause to avoid Cloudflared banks. It’s a bad idea for customers to rely on blind trust. Customers need to know who the creds are shared with /before/ they make use of them – ideally even before they make the effort of opening an account.

And also, just because the cert is verified by cloudflare does not mean they have the private key.

This uncertainty is indeed good cause to avoid using a Cloudflared bank.

UPDATE: I’ve spoken to some others on this who assert that it is impossible for a bank customer to know for certain if a bank uses their own key to prevent disclosure to CF.

It seems like a lot of your points hinges on this being true, but it simply isn’t.

“AFAICT” expands to “as far as I know”, which means the text that follows not an assertion. It’s an intuitive expectation that is open to be proved or disproved. The pins are all set up for you to simply knock down.

There is a massive benefit to preventing DDoS attacks, and that does not require keys.

This is unexplained. I’ve explained how CF uses its own keys to offer DDoS protection (they directly treat the traffic because they can see the request). I’ve also explained why CFs other (payload-blind) techniques are not useful. You’ve simply asserted the contrary with no explanation. HOW does CF prevent DDoS in the absence of treatment of the traffic? Obviously it’s not merely CFs crude IP reputation config because any website can trivially configure their own firewall in the same way without CF. So I’m just waiting for you to support your own point.

There is no indication that banks are handing over client ctedentials to CF.

This is trivially verifiable. E.g. if you get the SSL cert for eagleone.ns3web.org, what do you see? I see CF keys. That means they’re not using the premium option to use their own keys. Thus CF sees the payloads. I’m open to being disproven so feel free to elaborate on your claim.

I’m not looking to be proven right. The purpose of the tangent discussion was to substantiate whether or not bank creds are exposed to CF. If banks are actually protecting consumer creds from CF, then it requires a bit of analysis because banks don’t even disclose the fact that they use Cloudflare. They make the switch to CF quietly and conceal it from customers (which is actually illegal - banks are supposed to disclose it but it’s not enforced in the US). AFAICT, CF’s role is mostly useless if the SSL keys are held by the site owner.

In the US, the financial system is quite sloppy with user creds and user data. There are even a couple 3rd-party services (Yodlee / Mint) that ask customers for their banking creds at all the places they bank. This service then signs on to all the banks on behalf of the customer to fetch their statements, so customers can get all their bank statements in one place. IIRC some banks even participate so that you login to a participating bank to reach Yodlee and get all your other bank statements. Yodlee and Mint are gratis services, so you have to wonder how they are profiting. The banks are not even wise enough to issue a separate set of read-only creds to their customers who use that Yodlee service. In any case, with that degree of cavalier recklessness, I don’t envision that a US bank would hesitate to use CF in a manner that gives the bank the performance advantage of CF handling the traffic directly. But I’m open to convincing arguments.

Without TLS termination Cloudflare is still useful for e.g. DDoS protection,

I’m not seeing that. Cloudflare’s DDoS protection is all about having the bandwidth to serve the traffic. If CF cannot treat the traffic itself (due to inability to see the payloads), that whole firehose of traffic must be passed through to the original host which then must be able to handle that volume. CF’s firewall in itself is not sophisticated enough to significantly reduce the traffic that’s passed along. It crudely uses IP reputation which can easily be done by one’s own firewall. What am I missing?

I’m well aware that Cloudflare holds the TLS keys. I’m also well aware that that does not equal having access to credentials.

Can you elaborate? I believe the hashing must be done on the server side not the user side, so Cloudflare would see the creds before hashing. I know it’s possible to subscribe to an enterprise package where you hold your own SSL keys, but it’s unclear why CF would even be used in that scenario. If CF cannot see the traffic, it cannot optimize it as it all has to be passed through to the original host anyway. AFAICT, CF’s only usefulness in that scenario is privacy of the websites ownership - something that banks would not benefit from.

Banks certainly can not outsource willy nilly. Or well, I suppose they may in some jurisdictions, but the context here is Europe, where the banks actually are regulated.

US banks (esp. credit unions) outsource with reckless disregard for just about everything. Europe is indeed different in this regard. But European banks have no hesitation to outsource email to Microsoft or Google and then to use email for unencrypted correspondence with customers. That crosses a line for me.

European banks will also outsource investments to JP Morgan (one of the most unethical banks in the world), and they tend to be quiet about it. I boycott JPM along with other similar banks in part due to investments in fossil fuels and private prisons. This means banking in Europe is a minefield if you boycott the upstream baddies.

Cloudflare holds the keys. They decrypt all traffic that reaches their reverse proxy. It’s legal. Banks can outsource anything they want and they do so willy nilly. Their privacy policies cover this… they can share whatever they need to with their partners.

BTW FWiW, I have caught banks breaking a few laws and reported it to regulators. Regulators don’t care. Everyone thinks consumer banks have a gun pointed at them to comply with the law because it periodically makes a big splash in the media when they’re caught not enforcing AML rules. But when it comes to consumer protection, anything goes to a large extent. There’s very little pressure to do right by consumers. One regulator even had the nerve to say to me “why don’t you change banks?” (in response to a report of unlawful conduct).

Be the change you want to see.

I agree with that principle. And for me, that leads me elsewhere. (I’m not the OP)

I oppose forced banking. I also oppose forced online banking within the banking sector.

Forced online banking

Technologists are mostly incompetent, evidenced by today’s web which is increasingly enshitified. The ultimate escape from incompetently implemented shitty tech is an offline/analog option. It’s important for consumers to be able to say “fuck this, I’m done with electronic access.” Naturally you’d think if you write the app yourself that solves the problem. Not exactly. That API is still controlled by the bank. While the API is likely decent, there’s a firewall around it. Banks are increasingly making stupid anti-consumer moves in their firewalls:

1. They either put their services on Cloudflare, thus blocking Tor and subjecting all users (tor and non-tor) to Cloudflare’s eye on all their sensitive financial traffic including usernames and passwords. Or
2. they simply block Tor, which then enables your ISP to track where you bank and also enable the bank to track your physical whereabouts upon every single login.

These factors are outside of the control of the app developer. A developer could invest a lot of their own time building a great app, only to be demoralized by aggressive firewall anti-features. And worse, if the dev boycotts Cloudflare and/or the bank, their FOSS app continues to benefit the bank after they begin their boycott. IOW, the fruits of their labor is used against them.

Forced banking

Banks are becoming increasingly anti-consumer both online and offline. I could fill a book on this. But to be brief, imagine a bank decides to force everyone online, they close their countertop service, and then force people to obtain a mobile phone, mobile phone service, and force them to share their mobile phone number with the bank. (yes, this has actually happened). The ultimate escape is being able to function without a bank. The #WarOnCash is killing that option off so we are being forced to use banks.

So when you say “Be the change you want to see”, that’s exactly what I’m doing by living an unbanked life and fighting against the war on cash. In that mission, producing a FOSS app would actually be antithetical. A FOSS app would make banking a little more satisfying when it’s more important to have unbanked people fighting for the right to live an analog life.

Looks like Ing still maintains the linux CLI app. I thought they discontinued that but it’s apparently still maintained. I’ve never seen a FOSS app from any other Belgian bank. FOSS phone apps are entirely non-existent for all Belgian banks AFAICT. The link you posted does not appear to lead to one.

BTW, wouldn’t it be strange if Ing had a FOSS Android app considering their app from playstore detects when it’s launched in a virtual machine and then refuses to run? If they had a FOSS app, the user could make it run inside a VM.

In Belgium the water company has imposed forced-banking by removing the cash option. Then at least one bank has shutdown their website and shut their doors, essentially forcing people to buy a smartphone and install their non-free app. So if you want water service, you must buy a smartphone and sell your soul. How perverted is that? Sure, those customers can also change banks but more banks could take the same shitty direction: run non-free software or lose access to water… how’s that for human rights?

That’s not a reality for any Belgian banks as far as I can tell.

One bank even shut their doors, took down their website, and forced all their customers to either use their non-free app or lose access to their money.