Comment on welp, Patreon just destroyed my stable income after a decade on the platform - what now
BeardedGingerWonder@feddit.uk 6 days agoThe post above is about patreon and how their changes are impacting a comic artist in the UK. Your banking experience where you live is largely irrelevant. Your bank can and will close an account if you don’t match their risk profile - no investigation by police or financial services required.
You’re describing a multinational. And I’m concerned with getting paid, alone. A creator should employ whatever services they see fit to forward their business, be it video editors, IT services, etc. Services from which they should be capable of detaching in favor of another, better, offer.
No, I’m describing a small content creator. You’re adding middlemen that can interrupt service here, not removing them.
Just because one solution exists, does not mean it has to be the one and only, and right now, the platforms that offer these services do not serve their customers better interests.
I didn’t say it was the one and only. I said they exist for a reason, because doing this stuff on your own through disparate services can be difficult, time consuming and not what the creator wants to do with their time. If the services offered align with the users needs then it absolutely makes sense to use these middle men. You’re the one suggesting abandoning middlemen and using direct bank transfers as a primary means of doing business.
qyron@sopuli.xyz 6 days ago
Where do you even live? Do you own your money? Does not seem like it.
A bank can not close an account here, unless the costumer actively requires it. There are banks that will close an empty account, with no movements to it for a determined time, but even then the institution is obligated to warn the client in advance. There is even a special, minimal bank services account, established by force of law, where it is established that no bank, acting in the country, can deny access to bank services and charge more than a established amount for it, per year.
Risk assement is done in a case by case system; there is no such thing as a credit score. The only thing it exists is a data base, at the central bank, for credit responsabilities, and if you default you are banned from accessing credit, not bank services. A client can have zero credit near a bank, use their services, and maintain their account as long as they live.
What you do with your account is your business. I should know: I worked for a company that owed money to state, suppliers and the bank itself and it only their account frozen after a judicial order was issued.
And yes, I am claiming to cut the middleman and have more money delivered to the creators. And I stand by those words.
BeardedGingerWonder@feddit.uk 6 days ago
What makes it seem like I don’t own my money?
You seem fixated on where you live and your own experience - which doesn’t appear to be at all relevant to the situation we’re talking about.
Who’s talking about credit scores? This is AML/KYC regulation lol. If you’re in the EU I’m fairly sure AML regs require monitoring of customer accounts/transactions for suspicious activity.
Banks can and do absolutely close bank accounts in the UK for falling outside the risk profile of the bank. It’s happened to everyone from MPs down. Basic banking services are available to everyone where legal to do so, but these accounts don’t have features of current accounts and transfers etc can be limited - not ideal for running a business.
At every step of the way what you’ve described has included more complexity and expense to the creator.
qyron@sopuli.xyz 5 days ago
It seems we are forced to agree on disagreement.
BeardedGingerWonder@feddit.uk 5 days ago
I can agree with that.