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An Apple fan says they lost '20 years of digital life' after using an Apple gift card
(www.techradar.com)
This is a most excellent place for technology news and articles.
That's the issue with all products and services being permissible only by service agreement.
You're always at the whims of the provider and as they start to implement more AI oversight the chances of a clerical error causing major disruptions in your workflow is a risk worth considering.