Episode publish date
December 26, 2025 9:42 AM (UTC)
Last edit date
Jan 7, 2026 8:05 PM
Last snip date
January 6, 2026 2:03 PM (UTC)
Last sync date
January 6, 2026 2:03 PM (UTC)
Show
Complex Systems with Patrick McKenzie (patio11)
Snips
9
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Your snips
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[00:18] Gift Cards As Real Payment Rail
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[02:06] Scale And Mechanism Of Gift Card Scams
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[03:06] Regulatory Protection Differs By Payment Type
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[04:02] Retailers Outsource Gift Card Programs
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[05:11] Breakage And State Escheatment Costs
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[10:27] Regulatory Carve-Outs Create Accountability Gaps
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[09:39] Don't Rely On Retailers For Gift Card Fraud Relief
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[12:20] Fraud Supply Chain Exploits Regulatory Tradeoffs
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