<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>EpicEng</author><text>&amp;gt;By that logic they should ban gift cards and in-game currency too.&lt;p&gt;Except that it doesn&amp;#x27;t because people aren&amp;#x27;t buying $10,000+ in gift cards on the hope that they will increase in value and then defaulting on their CC payments because said gift cards crashed.&lt;p&gt;When trying to solve a problem you have to focus on the actual problem at hand, not philosophical musings.</text><parent_chain><item><author>Someone1234</author><text>By that logic they should ban gift cards and in-game currency too.&lt;p&gt;Sure, you can use your checking account, but if my credit card is going to restrict my usage and I&amp;#x27;m going to be hassled into circumventing it, then why even have it?&lt;p&gt;I actually have a Well Fargo credit card, I&amp;#x27;ll be keeping an close eye on these restrictions.</text></item><item><author>philip1209</author><text>On the surface, this looks bad. But, the underlying logic - that Wells Fargo doesn&amp;#x27;t want to loan you money so that you can buy money - seems reasonable to me. If you have cash in a Wells Fargo checking account, you can still buy cryptocurrency with it.</text></item></parent_chain></comment><story><title>Wells Fargo Bans Cryptocurrency Purchases on Its Credit Cards</title><url>https://www.bloomberg.com/news/articles/2018-06-11/wells-fargo-bans-cryptocurrency-purchases-on-its-credit-cards</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>vxNsr</author><text>Store gift cards are really just store credit and can&amp;#x27;t really be used anywhere else, I&amp;#x27;ve yet to encounter a store that will readily convert store credit&amp;#x2F;gift cards into cash.&lt;p&gt;There is only one place I know of where you can buy cash like gift cards in significant amounts, and many cc companies do post it as a cash advance (with the associated interest and fees). Everywhere else that you can buy visa&amp;#x2F;mc&amp;#x2F;amex gift cards the denomination is usually maxed at $500 and the store won&amp;#x27;t let you do too much, but there is a healthy cottage industry leveraging that (both legit and fraudulent).&lt;p&gt;In-game currency is really just store credit. It cannot be easily converted to cash and is thus not really considered a loan.&lt;p&gt;Selling either in-game currency (where possible) or store gift cards usually requires giving up as much as 20% of the value and thus isn&amp;#x27;t seen as a viable option.&lt;p&gt;CC companies don&amp;#x27;t want you to view them as a cash funding source, they want to be directly between the customer and the store not the customer and his&amp;#x2F;her cash. Especially cards with high &amp;quot;cash back&amp;quot; returns.</text><parent_chain><item><author>Someone1234</author><text>By that logic they should ban gift cards and in-game currency too.&lt;p&gt;Sure, you can use your checking account, but if my credit card is going to restrict my usage and I&amp;#x27;m going to be hassled into circumventing it, then why even have it?&lt;p&gt;I actually have a Well Fargo credit card, I&amp;#x27;ll be keeping an close eye on these restrictions.</text></item><item><author>philip1209</author><text>On the surface, this looks bad. But, the underlying logic - that Wells Fargo doesn&amp;#x27;t want to loan you money so that you can buy money - seems reasonable to me. If you have cash in a Wells Fargo checking account, you can still buy cryptocurrency with it.</text></item></parent_chain></comment><story><title>Wells Fargo Bans Cryptocurrency Purchases on Its Credit Cards</title><url>https://www.bloomberg.com/news/articles/2018-06-11/wells-fargo-bans-cryptocurrency-purchases-on-its-credit-cards</url></story>