On Wed, Sep 23, 2015 at 7:14 PM, Aaron Wolf <[email protected]>
wrote:
On 09/23/2015 03:34 PM, mray wrote:
On 23.09.2015 23:43, Aaron Wolf wrote:
Either you are all
good or you lack funds and don't count. And if you have left-over
inadequate funds, you can either adjust things to be good again,
or you
can zero-out. Fine. Sounds good to me!
I like the simplicity about this approach as well.
But it would be elegant to have only *one* kind of money transfer.
If there is anything else besides pledging we only add complexity
that
needs explanation and justification.
If there *has* to be some way to transfer the money outside of the
pledging system it should not build up extra pressure on the user.
Maybe a time frame of 2 years without logging in could result in
donating the "rest" to snowdrift.coop then.
The user should have total supervision and never be pressured.
Yes, the proposal as I understand it (and like it), is that the only
automatic zero-ing out of funds would be after a *substantial* time
when
the account can be considered "inactive". Otherwise, the *manual*
zero-ing out is not available as a regular thing that we emphasize. It
would be something connected with manually *closing* your account.
Stephen also suggested essentially a "vacation" mode if you will,
i.e. a
situation where someone zeros their account because they sort of want
to
effectively close their account but still be able to come pick it up
some substantial time later. My view is: I don't think we need to
build
that function right away. If we don't have that option, then it just
means some underfunded account sits inactive for a while until the
time-limit where we automatically zero it out.
Original proposal was to include manual zeroing, but I now agree it's
not necessary for a MVP.
So, indeed the very simplest is just that underfunded situations means
pledges are already inactive entirely. We don't need to do automatic
zero-out right away, it can be delayed for a long time, and the other
aspect of zeroing out is just when someone closes their account
entirely.
Now, let's clarify though. There's one main issue that the *current*
proposal (not Stephen's) addresses: if a project gets super popular
today and tomorrow is the payout, and so today my account becomes
underfunded because of this new popularity, and I only have one day to
adjust my pledge or update my funds if I want to stay a continuous
patron without any missed months. In that situation, counting the
zero-out as still being a patron gives me one more whole month to
adjust
things so that I stay always a patron. If we *don't* count the
zero-out
(or don't automatically do it at all), then it could mean I am marked
in
the history as missing a month…
So, here's a middle-ground: we still do the zero-out *automatically*,
and we still mark the person a patron for the sake of showing the
length
of time they've been a patron, but we don't count them for matching.
That seems too confusing to explain and track though.
Really, we just need to get the prototype fully functioning so we can
see what issues are most important via real experience.
Is it more important that all pledges count plainly, no confusion, no
underfunded-but-still-counts and no underfunded-pays-out-but-doesn't
count… or is it more important to assure that there's always a month
buffer for patrons to react and adjust before they stop counting.
Really, it's a matter of those two values and which is more important.
Agreed that a functioning prototype is our top priority, but disagreed
that the two values are mutually exclusive.
Here're my suggestions for prototype and final product:
Prototype: Don't worry about the scenario you just described (rapid
popularity growth => surprise underfunding) and just rely on the
notification telling people their balance is low (before it actually
becomes underfunded).
Final Product: Implement a "Freeze" date (say, 1 week from the end of
the month) where the number of patrons becomes fixed until the end of
the month. Any patrons who sign up after that date will not affect the
donation rate until the following month.
~Stephen
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