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  1. No. That's the What-the-Hell-Are-You-Doing-in-My-Bedroom Stare.
  2. Is that the "Millennial Stare"?
  3. Practicing The Stare, in preparation for Valentine's Day.
  4. Yes, and this brings us to one of the most troubling issues with all this, that of "Societal Exclusion". As you point out, many people (renters, live-in carers, the disabled) do not have utility bills in their own name, and they get palmed off with that old bag of bullsh*t "Industry Standard." This is what's called "Lazy Compliance," and it is the exact same dynamic we are seeing with Tilia. Companies like Thunes and Tilia automate their risk checks because it is cheap. Their algorithms are trained on a "Standard User" which is often just a euphemism for "Financially Valuable User" , so someone with a Driver’s License, a mortgage, and a utility bill in their own name. If you deviate from that templat, because of disability (no license), shared housing, or just not being the primary bill payer, you break their cheap automation. They will all say (as they are generally legally obligated to do) that they accept other forms of ID, it's the added friction that's the killer. If the bot rejects your upload, you enter "Support Ticket Purgatory" , and for many, that's where they give up. So in the real world, "unbanked" people are those locked out of the financial system because they lack the right paperwork. We are now replicating this in the new Merged Reality. We're effectively creating a digital caste system. On one side, the "Verified Class" who fit the algorithm's mold. On the other, the "Virtual Unbanked", users exiled from the economy, not because they did something wrong, but because they are too expensive to verify manually. So when a company says "It's industry practice," they usually mean "based on your profile we see insufficient ROI in having you as a customer" I get a bit grumpy sometimes because calling these companies ineffective or poorly managed is a huge category error. They are incredibly good at what they're doing, in their minds they are separating the wheat from the chaff. It's time to get annoyed people, I mean get informed, and get out on the streets, stop this bullsh*t before it takes hold and becomes part of the new social contract. As with anything, burying your head in the sand just means you're exposing your vulnerable bottom to whomever wants to take advantage 🤷‍♂️