Venmo’s default settings are very uncomfortable. I’ve never used this payment service by PayPal before and, by default, I am friends with all of my phone’s contacts—I opted out of linking to Facebook—and I would automatically make public anytime I exchanged money.
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Not only to my “friends”, but totally public.
I shouldn’t know that someone I worked with 20 years ago gave someone else money to fix their hot water heater.