I was joking

It is i never read work emails

There should be a public bank tho

Dead ass i read slack messages and get back immediately but if it’s email i check that only twice a day

I like the idea of this

I'm only messaging on discord from now on

App idea

Make an app where you can anonymously connect but only with people you met in real life

flaccid?

its so funny we think this compared to other messaging apps but is literally just messaging people. other than like u wouldnt want the public ot know your imessage because it cant handle bulk messages like instagram.

but yeah its still the same thing. instagram i or imessage or wahat apps or email isn’t inherently more poersonal or not. we just view it that way. the functionality of them all is so similar

well youre in the right place ill tell u that

this would be super fun what

no joke this actually a great idea

Public banks are banks owned by a government (state, municipal, or national) rather than private shareholders. Their mission often includes serving the public interest alongside financial sustainability.

Pros

• Reinvest profits locally. Instead of paying dividends to shareholders, profits can support public services, infrastructure, or lending programs.
• Long-term focus. Public banks may be more willing to finance projects with long payback periods, such as affordable housing, infrastructure, or small businesses.
• Stability during crises. They may continue lending when private banks pull back during recessions, helping stabilize the economy.
• Lower borrowing costs for governments. Governments may save money by financing some projects through their own bank.
• Support for underserved communities. They can prioritize lending where private banks see lower profits, such as rural areas or low-income neighborhoods.

Cons

• Political influence. Lending decisions can be affected by political priorities instead of sound financial judgment.
• Risk to taxpayers. If the bank suffers major losses, taxpayers may ultimately bear the cost.
• Less competitive pressure. Without the same profit incentives, public banks may have less motivation to innovate or improve efficiency.
• Potential for favoritism. There is a risk of loans being directed toward politically connected individuals or projects.
• Capital constraints. Governments may be reluctant or unable to provide additional capital if the bank needs it.

Real-world examples

• Bank of North Dakota is the only state-owned bank in the U.S. It partners with community banks and has operated for over a century.
• Many countries, including Germany, have public banking systems through regional public savings banks that play a significant role in local lending.

In practice, whether a public bank succeeds depends less on public versus private ownership and more on governance, transparency, professional management, and clear lending standards. A well-run public bank can complement private banks, while a poorly governed one can become a source of political patronage and financial losses.

ive done it because i mean i am a dirty g*mer why hide it. theyll learn soon enough. may as well let them know my vibe

Man but like it’s my number you can f*** up my life by leaking my number to some spam calling agencies

discord is like in between the personal-ness of insta and imessage/whatsapp too

That’s very dramatic ngl

I am dramatic

yeah thats the only difference. but most people aren’t doing that

holy chatgpt!!

Insta is where you lie and cheat with side pieces
(Idk I don’t have ig)

insta is where you watch videos of gumbus and other famous cats

That's true that's what it's for

But that's also what all social media is for

f*** y'all doing

Instagram is the best dating app