<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>AgentME</author><text>I&amp;#x27;ve had a number of transactions blocked because my bank must&amp;#x27;ve suspected fraud. I can count on zero hands the number of times it wasn&amp;#x27;t actually a transaction I wanted to go through. It&amp;#x27;s pretty awkward when I&amp;#x27;m in the checkout line trying to pay for something or if it means some order gets delayed. I&amp;#x27;m really thankful I have multiple credit cards which don&amp;#x27;t seem to all use the same fraud protection algorithms so I usually can just cycle to the next card, but it makes me a little uncomfortable that my solution is essentially just trusting the next service doesn&amp;#x27;t fuck up.&lt;p&gt;&amp;gt;In the first case, it&amp;#x27;s a service they are providing you&lt;p&gt;I like knowing that I have some money that I control myself, not through some service I have to worry about locking me out at inopportune times, though I admit it&amp;#x27;s mostly an ideological position than an economic one.</text><parent_chain><item><author>dangerlibrary</author><text>As a consumer spending money from a checking account or credit card, the only reasons a bank would stop a payment or freeze a balance are because they suspect fraud or illegal activity. In the first case, it&amp;#x27;s a service they are providing you - peace of mind as a result of extensive fraud protection measures. In the second case - then &lt;i&gt;mostly_harmless&lt;/i&gt; is correct. If the only benefit of bitcoin is &amp;quot;no fraud protection and the freedom to use for illegal transactions&amp;quot; how is &lt;i&gt;mostly_harmless&lt;/i&gt; wrong?</text></item><item><author>olegkikin</author><text>I love paying with bitcoin, even when other methods are available. It&amp;#x27;s just so easy, and just knowing no stupid bank can stop the payment or freeze your balance feels like freedom.&lt;p&gt;If you see &amp;quot;nothing but scams&amp;quot;, it only tells me you live in a strange bubble. There are tons of legitimate businesses that use bitcoin daily. There are some that use litecoin, and even dogecoin.</text></item><item><author>mostly_harmless</author><text>&amp;gt; Zcash is a technology, and like any technology it has multiple uses. I suspect that many of the best applications of this technology haven&amp;#x27;t been conceived of yet.&lt;p&gt;&amp;gt; 10% pre-mine to founders&lt;p&gt;This smells super fishy. Altogether, I&amp;#x27;ve yet to see anything to do with cryptocurrencies be useful. Nothing but scams, hiding illegal activities, and hopeless optimism so far.</text></item></parent_chain></comment><story><title>Zcash begins</title><url>https://z.cash/blog/zcash-begins.html</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>aianus</author><text>&amp;gt; peace of mind as a result of extensive fraud protection measures&lt;p&gt;I don&amp;#x27;t want &amp;quot;peace of mind&amp;quot;. I (a Canadian) want to be able to buy something online from a US supplier and have it shipped to me in Thailand. This is just not possible with any kind of chargeback-enabling payment method.&lt;p&gt;Just because you haven&amp;#x27;t been in a situation where the &amp;quot;fraud protection&amp;quot; is impacting your life (or your sales) doesn&amp;#x27;t mean those situations don&amp;#x27;t come up for others.</text><parent_chain><item><author>dangerlibrary</author><text>As a consumer spending money from a checking account or credit card, the only reasons a bank would stop a payment or freeze a balance are because they suspect fraud or illegal activity. In the first case, it&amp;#x27;s a service they are providing you - peace of mind as a result of extensive fraud protection measures. In the second case - then &lt;i&gt;mostly_harmless&lt;/i&gt; is correct. If the only benefit of bitcoin is &amp;quot;no fraud protection and the freedom to use for illegal transactions&amp;quot; how is &lt;i&gt;mostly_harmless&lt;/i&gt; wrong?</text></item><item><author>olegkikin</author><text>I love paying with bitcoin, even when other methods are available. It&amp;#x27;s just so easy, and just knowing no stupid bank can stop the payment or freeze your balance feels like freedom.&lt;p&gt;If you see &amp;quot;nothing but scams&amp;quot;, it only tells me you live in a strange bubble. There are tons of legitimate businesses that use bitcoin daily. There are some that use litecoin, and even dogecoin.</text></item><item><author>mostly_harmless</author><text>&amp;gt; Zcash is a technology, and like any technology it has multiple uses. I suspect that many of the best applications of this technology haven&amp;#x27;t been conceived of yet.&lt;p&gt;&amp;gt; 10% pre-mine to founders&lt;p&gt;This smells super fishy. Altogether, I&amp;#x27;ve yet to see anything to do with cryptocurrencies be useful. Nothing but scams, hiding illegal activities, and hopeless optimism so far.</text></item></parent_chain></comment><story><title>Zcash begins</title><url>https://z.cash/blog/zcash-begins.html</url></story>