Credit card as the durable, best-ever UI
The speakers argued the credit card interface is the singular best user interface ever created, with its durability rooted in convenience and the difficulty of reaching the critical mass needed to displace it.
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You've read the thesis and who argued it. A free account opens the argument, what validates it, the risks the show raised, and the moment in the episode where it was said — 3 ideas in full a day, no card.