Being in debt means using up the future in the present. Essentially, it’s about how we manage our time. Therefore, the most valuable resource for debtors is time, and it depends on which side time favors. Paying off debt is like repaying borrowed future time early. When the ability to generate wealth over time decreases, the future time becomes a burden, and the debtor faces the pain of bankruptcy. Taking on debt is costly. It may seem like borrowed money is repaid with money, but the irreplaceable resource of time is also returned along with interest. With the rise of postpaid credit cards as a common payment method, we’ve become less sensitive to the associated pain and cost. There are two ways to spend money: using present time or future time. The costs and pain are much higher when the future is spent as if it were the present. - Joseph’s “just my thoughts”
For the security of the Internet service, we have been asked by the Internet service companies to set the password combined by more than 8 or 10 "uppercase letter+lowercase letter+number+special character". But it was obviously of no use. This security guideline was recommended by Bill Burr who worked at NIST in the USA, he suggested this way in his report. Furthermore, the user was required to change the initial password set regularly. Despite this measure, the best way of security to protect users' accounts was the notification of the alarm for attempted hacking when the hacker tried. We have only tried to change the keys despite the simple method meanwhile. Today, the world has begun to comprehend that the security problem is not encryption or confidentiality, but simply cyber-dominion control and communication. - Joseph's "just my thoughts"