My Monzo API allows me to go back to when I opened the account (back then it was just a prepaid card) in 2016. Somehow they are able to get the data directly from this "archive" which frankly shouldn't exist - Facebook is able to lookup stuff from 10 years ago instantly - don't tell me a bank can't do the same.
> But touch someone else's cash or account has always been regulated, yes
My argument here is about my own account. I'm even happy to send a letter stating that I am not an idiot and assume all responsibility just to get a personal access token.
> You're basically advocating for the removal of most regulation anywhere
I'm not advocating for no regulations everywhere - some stuff absolutely does need to be regulated, like massive tracking across the web. However when the user is in control and is knowingly handing over the key to their account, I'm happy for there to be no regulations. Same way nobody is preventing you from handing over your house keys to someone.
> But touch someone else's cash or account has always been regulated, yes
My argument here is about my own account. I'm even happy to send a letter stating that I am not an idiot and assume all responsibility just to get a personal access token.
> You're basically advocating for the removal of most regulation anywhere
I'm not advocating for no regulations everywhere - some stuff absolutely does need to be regulated, like massive tracking across the web. However when the user is in control and is knowingly handing over the key to their account, I'm happy for there to be no regulations. Same way nobody is preventing you from handing over your house keys to someone.