"We’ve always disclosed this to customers"
Microsoft disclosed that Skype conversations can be recorded and listened to by a random person, really do I understand that correctly?? Seriously why wouldn't this be at least opt-in? Big tech really can get away with anything nowadays, imagine a small company trying to pull that off. Deleting skype account.
Generating constructions is very different from generating terrain, so I'd probably try a 2-step process where the building generator can be seeded by the terrain relief. But it's not trivial for sure. See also https://github.com/mxgmn/WaveFunctionCollapse#higher-dimensi... because it's relevant and looks awesome :)
France recently passed a law that makes it illegal for companies to take deliberate steps to reduce the shelf life of a product in order to increase its replacement rate. Of course in practice it will be difficult to prove, but still having a law is a good start.
Well as you suspected that is not true. Maybe your friend doesn't understand his bank interface? If anything the Japanese use bank transfer(furikomi) more than in the west because credit cards are less used.