Skip to content
By using Twitter’s services you agree to our Cookies Use. We and our partners operate globally and use cookies, including for analytics, personalisation, and ads.

This is the legacy version of twitter.com. We will be shutting it down on June 1, 2020. Please switch to a supported browser, or disable the extension which masks your browser. You can see a list of supported browsers in our Help Center.

  • Home Home Home, current page.
  • About

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @
  • Language: English
    • Bahasa Indonesia
    • Bahasa Melayu
    • Català
    • Čeština
    • Dansk
    • Deutsch
    • English UK
    • Español
    • Filipino
    • Français
    • Hrvatski
    • Italiano
    • Magyar
    • Nederlands
    • Norsk
    • Polski
    • Português
    • Română
    • Slovenčina
    • Suomi
    • Svenska
    • Tiếng Việt
    • Türkçe
    • Ελληνικά
    • Български език
    • Русский
    • Српски
    • Українська мова
    • עִבְרִית
    • العربية
    • فارسی
    • मराठी
    • हिन्दी
    • বাংলা
    • ગુજરાતી
    • தமிழ்
    • ಕನ್ನಡ
    • ภาษาไทย
    • 한국어
    • 日本語
    • 简体中文
    • 繁體中文
  • Have an account? Log in
    Have an account?
    · Forgot password?

    New to Twitter?
    Sign up
patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

Tweets

Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

Tweets

  • © 2020 Twitter
  • About
  • Help Center
  • Terms
  • Privacy policy
  • Imprint
  • Cookies
  • Ads info
Dismiss
Previous
Next

Go to a person's profile

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @

Promote this Tweet

Block

  • Tweet with a location

    You can add location information to your Tweets, such as your city or precise location, from the web and via third-party applications. You always have the option to delete your Tweet location history. Learn more

    Your lists

    Create a new list


    Under 100 characters, optional

    Privacy

    Copy link to Tweet

    Embed this Tweet

    Embed this Video

    Add this Tweet to your website by copying the code below. Learn more

    Add this video to your website by copying the code below. Learn more

    Hmm, there was a problem reaching the server.

    By embedding Twitter content in your website or app, you are agreeing to the Twitter Developer Agreement and Developer Policy.

    Preview

    Why you're seeing this ad

    Log in to Twitter

    · Forgot password?
    Don't have an account? Sign up »

    Sign up for Twitter

    Not on Twitter? Sign up, tune into the things you care about, and get updates as they happen.

    Sign up
    Have an account? Log in »

    Two-way (sending and receiving) short codes:

    Country Code For customers of
    United States 40404 (any)
    Canada 21212 (any)
    United Kingdom 86444 Vodafone, Orange, 3, O2
    Brazil 40404 Nextel, TIM
    Haiti 40404 Digicel, Voila
    Ireland 51210 Vodafone, O2
    India 53000 Bharti Airtel, Videocon, Reliance
    Indonesia 89887 AXIS, 3, Telkomsel, Indosat, XL Axiata
    Italy 4880804 Wind
    3424486444 Vodafone
    » See SMS short codes for other countries

    Confirmation

     

    Welcome home!

    This timeline is where you’ll spend most of your time, getting instant updates about what matters to you.

    Tweets not working for you?

    Hover over the profile pic and click the Following button to unfollow any account.

    Say a lot with a little

    When you see a Tweet you love, tap the heart — it lets the person who wrote it know you shared the love.

    Spread the word

    The fastest way to share someone else’s Tweet with your followers is with a Retweet. Tap the icon to send it instantly.

    Join the conversation

    Add your thoughts about any Tweet with a Reply. Find a topic you’re passionate about, and jump right in.

    Learn the latest

    Get instant insight into what people are talking about now.

    Get more of what you love

    Follow more accounts to get instant updates about topics you care about.

    Find what's happening

    See the latest conversations about any topic instantly.

    Never miss a Moment

    Catch up instantly on the best stories happening as they unfold.

    1. Patrick McKenzie‏ @patio11 17 Sep 2016
      • Report Tweet
      • Report NetzDG Violation

      You say "identity theft", I say "a strangely socially acceptable discourse by which financial institutions shift fraud risk to consumers."

      15 replies 1,173 retweets 1,570 likes
    2. Patrick McKenzie‏ @patio11 17 Sep 2016
      • Report Tweet
      • Report NetzDG Violation
      Replying to @patio11

      Eve convinced Banker Bob she was Alice. Alice didn't lose anything. Banker Bob says Alice suffered identity theft i.e. this is her problem.

      3 replies 174 retweets 210 likes
    3. Patrick McKenzie‏ @patio11 17 Sep 2016
      • Report Tweet
      • Report NetzDG Violation
      Replying to @patio11

      Alice complains to Banker Bob that Banker Bob has caused Credit Reporting Charlie to blacklist her. Bob offers a year of credit monitoring.

      4 replies 83 retweets 117 likes
    4. Patrick McKenzie‏ @patio11 17 Sep 2016
      • Report Tweet
      • Report NetzDG Violation
      Replying to @patio11

      I like Banker Bob and thinks he provides a valuable service, but he's big, sophisticated, and knows he's in a convenience/security tradeoff.

      2 replies 23 retweets 55 likes
      Patrick McKenzie‏ @patio11 17 Sep 2016
      • Report Tweet
      • Report NetzDG Violation

      Seems to me sane resolution is we make it straightforward for Alice to bill Bob for negative externalities of Bob's business decision here.

      11:50 PM - 17 Sep 2016
      • 43 Retweets
      • 108 Likes
      • № nortti Mikael Forsgren Content of Media Richard Green Olugbemisola Michael R. Crusoe Diane Mendenhall Justin Burke
      8 replies 43 retweets 108 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 17 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          n.b. Discourse of identity theft often functions to assume conclusion that Alice was asking for it by being negligent regarding security.

          2 replies 85 retweets 121 likes
        3. Patrick McKenzie‏ @patio11 17 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          Alice has often done negligent things like shopping at a grocery store, handing her card to a waiter, writing a check, or having a job.

          8 replies 80 retweets 166 likes
        4. 4 more replies
        1. Colin Percival‏ @cperciva 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          Better: Make it straightforward for Alice to sue Credit Reporting Charlie for libel. (Charlie can then sue Bob to recover losses.)

          0 replies 0 retweets 17 likes
          Thanks. Twitter will use this to make your timeline better. Undo
          Undo
        1. K‏ @kmart93 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          Yea but this is America where we say "fuck the consumer" while pretending to really be interested in security.

          0 replies 1 retweet 6 likes
          Thanks. Twitter will use this to make your timeline better. Undo
          Undo
        1. K‏ @kmart93 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          Security is really just covering the company's ass so they can tell the consumer "nah, we did our part. Sucks to be you"

          0 replies 1 retweet 6 likes
          Thanks. Twitter will use this to make your timeline better. Undo
          Undo
        1. New conversation
        2. GrumpSec Spottycat  🏳️‍🌈 🐆‏ @kyhwana 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11 @munin

          Well, the financial institution failed to authenticate Alice and did stuff without Alice's authorisation.

          1 reply 0 retweets 2 likes
        3. GrumpSec Spottycat  🏳️‍🌈 🐆‏ @kyhwana 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @kyhwana @munin @patio11

          In that case it's the FI's problem/fault, not Alice's.

          0 replies 0 retweets 2 likes
        4. End of conversation
        1. Carl Winbäck‏ @giffengrabber 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          Word. Downside for bank: Lose a little money. Downside for Alice: Have her life messed up for a long time.

          0 replies 0 retweets 4 likes
          Thanks. Twitter will use this to make your timeline better. Undo
          Undo
        1. New conversation
        2. Peter Kirkham‏ @Peter_Kirkham 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @patio11

          .@patio11 The problem is Credit Agency Charlie: make it straightforward for Alice to correct her credit record so no ongoing harm to her...

          1 reply 0 retweets 1 like
        3. Justin Payne‏ @crashfrog 18 Sep 2016
          • Report Tweet
          • Report NetzDG Violation
          Replying to @Peter_Kirkham @patio11

          but they have to protect against Deadbeat Doug who lies and says "naw, I paid back everything I ever borrowed"

          1 reply 0 retweets 0 likes
        4. 2 more replies

      Loading seems to be taking a while.

      Twitter may be over capacity or experiencing a momentary hiccup. Try again or visit Twitter Status for more information.

        Promoted Tweet

        false

        • © 2020 Twitter
        • About
        • Help Center
        • Terms
        • Privacy policy
        • Imprint
        • Cookies
        • Ads info