I haven’t used nextcloud in years. Has it gotten any better with external storages, specifically when there are many files in one directory? It used to time out/become unresponsive in that situation, and make many unnecessary database requests/updates.

There’s a lot of negativity from certain users/communities on software/services that are mostly good but have imperfections. I rarely if ever see any recommendations for alternatives that actually make sense when this happens.

Firefox and Proton are two very common targets. Sure, they are both not perfect, but they are both offering a solution that does not enrich the current oppressive market leader and they do a pretty solid job at it.

Yes, flaws deserve to be criticized, but there’s such a thing as too much.

It’s tiring.

I wonder if the correlation is that these groups tend to be more informed.

While the pressure on the credit card companies should still work due to conversations behind closed doors, my understanding is that those companies are not actually payment processors. Payment processors are a bunch of companies/banks, some you likely haven’t heard of (one is PayPal though, feel free to make your voice heard to them), and they are taking legal responsibility for the transactions themselves, and thus actually have incentive to police transactions. Credit card companies themselves, not having those legal liabilities, would much rather people just spent their money everywhere as long as there was low risk of cards being stolen or misused.