So much has been enshittified.

I keep finding myself getting screwed by having formed expectations in civilized times, expectations that are now just wrong. 1/

* brokerages used to sweep cash balances into money markets and pay reasonable interest rates. in the new post-ZIRP era, i found my brokerages are just paying less than 1% on cash and pocketing the difference. 2/

* my bank used to charge a fixed fee of $10 for international atm uses. i'd amortize the cost by making large withdrawals. now my same bank charges $5 fixed plus 3%. you can't amortize away a 3% fee no matter how much you withdraw. /fin