&gt;&gt;I hope the HN audience hasn&#x27;t degraded to the point of being incapable of handling their personal finances without needing the help of a cutesy avatar painted over a faceless algorithm owned by people who are excited at the prospect of exploiting your financial data to the fullest.<p>Maybe not, but it definitely has degraded to the point where people like you spitefully shit on other people&#x27;s hard work.