Fathership

500 美元的诈骗损失上限: 快速解决方案还是引发更多问题的途径

世界新闻通讯社的建议解决的是善后问题--“谁来付钱,- 而不是预防诈骗。虽然它能为受害者提供一些救济,但随着骗局的演变,它可能会被证明是不切实际和不可持续的。

|1 min read
500 美元的诈骗损失上限: 快速解决方案还是引发更多问题的途径
<p>在今年的首次议会会议上,通信与信息部部长约瑟芬-张(Josephine Teo)概述了包容性和安全数字社会的战略。其中最重要的是为金融应用程序制定新的安全标准,并为电信公司制定指导方针,以关注易受攻击的用户。</p> <h3 class="“headings“">信任危机,</h3> <p>工人党(WP)警告称,数字交易的“信任危机“迫在眉睫。</p> <p>工人党议员贾穆斯-林(Jamus Lim)建议将诈骗受害者的损失上限设定为100至500 美元--尽管目前尚不清楚林是如何得出这一范围的--由银行和电信公司承担其余损失。他的理由是,注销只是“银行资产负债表的一小部分“,而诈骗的影响往往会“毁掉“储户。这种解决方案给人的第一印象是--歌利亚财力雄厚,与大卫相比,他应该首当其冲。</p> <h3 class="“headings“">林的想法并不新鲜。</h3> <p>MAS于去年10月推出了共同责任框架(SRF)。在这一框架下,如果金融机构或电信公司出现疏忽,它们将承担全部损失。Lim认为这既不充分也不公正,认为企业可以轻易逃避责任。</p> <h3 class="“headings“">骗局日益复杂</h3> <p>诈骗的根本问题在于其无定形性--诈骗的形式日益复杂,阻止诈骗所需的措施也越来越复杂。</p> <p>社会往往忽视了这样一个事实,即诈骗的成功通常是由于受害者最初的配合,即使是在被欺骗的情况下。工作、电子商务、假冒朋友来电、网络钓鱼和投资诈骗等常见诈骗通常在一开始就需要受害者的参与。随着诈骗者的伎俩变得越来越复杂和难以识别,针对当前和新出现的诈骗的最终防御手段就是个人提高警惕。</p> <p>即使拥有最先进的数字银行保护技术,金融机构也无法幸免于利用人类情感这一最脆弱因素的欺诈行为,即使是最先进的系统也无法始终防范这些欺诈行为。</p> <h3 class="“headings“">如果我们向银行收费,最终买单的将是普通消费者</h3>。 <p>Lim 的建议涉及银行和电信公司对每起诈骗事件负责,这可能导致这些成本转嫁到普通消费者身上。如果诈骗事件上升到不可持续的水平,银行可能会开始将这些成本转嫁给甚至那些未受诈骗影响的消费者。考虑到当前的生活成本,这一点尤其令人担忧。此外,如果采用这种方法,客户有可能宁愿把钱放在家里,这可能会对银行系统的流动性造成灾难性的影响。</p> <p>林氏提出的框架还可能无意中助长欺诈行为,即“受害者“为了经济利益而与骗子合作。</p> <h3 id="wp" class="“headings“">WP的提案缺乏深度</h3> <p>WP 的提案解决的是善后问题--“谁来支付,- 而不是预防诈骗。该提案虽然为受害者提供了一些救济,但随着骗局的不断演变,它可能会被证明是不切实际和不可持续的。</p> <p>归根结底,WP 的提案缺乏深度,被视为一种民粹主义、短视的方法,具有潜在的长期弊端。</p>
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WP do not have to worry about an opposition wipeout — they will win Aljunied & Hougang

By framing the election as an existential threat, Pritam aims to ensure WP supporters turn out in force, particularly in strongholds where voter turnout can make or break a result.

|3 min read
WP do not have to worry about an opposition wipeout — they will win Aljunied & Hougang

Workers' Party (WP) new face, Harpreet Singh, recently let slip that he doesn’t want to be “parachuted” into a “safe seat", according an interview with The Straits Times.

Harpreet's comment reveals the party’s belief in “safe seats” like Hougang and Aljunied, suggesting internal confidence in their electoral strongholds.

By admitting there are “safe seats,” Harpreet confirmed what many suspect: Hougang (WP’s turf since 1991) and Aljunied (theirs since 2011) are as close to a sure bet as it gets in Singapore’s PAP-dominated landscape.

In GE2020, WP held Hougang with 61.2% of the vote and Aljunied with 59.9%. These margins, while not overwhelming, reflect consistent voter loyalty in a political landscape dominated by the People’s Action Party (PAP), which won 83 of 93 seats in the last election.

Yet, WP leader Pritam Singh continues to warn of a potential “opposition wipeout,” as highlighted in a Channel News Asia report early this year.

Pritam's wipeout narrative

Pritam Singh’s emphasis on a potential wipeout, as articulated in his call for party unity, appears designed to galvanize supporters and prevent complacency.

By framing the election as an existential threat, Pritam aims to ensure WP supporters turn out in force, particularly in strongholds where voter turnout can make or break a result.

Yet, this narrative risks undermining the WP’s credibility.

Harpreet’s admission of safe seats suggests the party privately believes its core constituencies are secure. Publicly warning of a wipeout, then, could be perceived as disingenuous, especially by a discerning electorate.

If voters sense the WP is exaggerating risks to manipulate sentiment, trust in the party could erode—a dangerous prospect when authenticity is a currency in short supply.

It is also not helpful that Pritam himself was convicted for dishonesty.

Earlier this year, Pritam was convicted on two counts of lying under oath to a parliamentary committee. The case stemmed from his handling of former WP MP Raeesah Khan’s false statements in Parliament in 2021, where she fabricated a story about accompanying a sexual assault victim to a police station.

Playing the 'underdog' card

Pritam Singh isn’t daft. He’s a lawyer, an MP, and a guy who’s navigated Singapore’s political minefield for years. His wipeout narrative isn’t about doubting WP’s grip on Hougang or Aljunied—it’s about firing up the base.

In Singapore, where voter apathy can creep in, scaring supporters into showing up is Politics 101.

But there’s a flip side. Overplaying the underdog card risks crying wolf.

If WP’s seats are as safe as Harpreet implies, Pritam’s gloom-and-doom could erode trust.

Voters aren’t stupid—they see through spin.

And in a city where trust in institutions is high (78% of Singaporeans trust the government, per a 2023 Edelman survey), coming off as manipulative isn’t a great look.

Pritam’s banking on fear to mobilize, but he might be underestimating how savvy Singaporeans are.

With GE2025 around the corner, WP should ditch the drama and double down on policy.

Safe seats or not, elections are won by showing up for the heartlands, not by shouting “wipeout” from the rooftops.

In a nation of pragmatists, substance trumps spin every time.

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Fear-mongering over US tariffs necessary because S'poreans are complacent

Fear-mongering over U.S. tariffs is a PAP scare tactic, says PPP’s Goh Meng Seng. But it’s also necessary given Singaporeans’ complacency in thinking years of economic prosperity would not burst the island's utopian bubble.

|4 min read
Fear-mongering over US tariffs necessary because S'poreans are complacent

Singapore’s economy is heavily reliant on global trade, with exports accounting for a significant portion of its GDP (about 170%) — think electronics, shipping, manufacturing.

U.S. tariffs, even at 10% on Singapore’s exports, could disrupt supply chains. Growth forecasts? Down 1.5%.

If U.S.-China tariffs spike, China’s economy slows, and Singapore suffers. Fewer ships, quieter factories, jobs on the line. With living costs up 4%, families are already stretched.

PAP say "be worried"; PPP say "don't bluff"

Prime Minister Lawrence Wong has described the tariffs as marking a “seismic change” in the global order, signaling the end of rules-based globalization. Senior Minister Lee Hsien Loong echoed this, noting that Singapore can no longer rely on a stable global trading system, raising the risk of a recession.

People's Power Party chief Goh Meng Seng calls PM Wong's statement "fear-mongering". They call the PAP’s warnings “scare tactics” to spook voters into sticking with the safe bet.

Crises usually send Singaporeans running to the PAP, but Goh’s betting on change. Voters are livid about housing costs and stagnant wages—why obsess over tariffs when you can’t afford a flat?

PAP has historically benefited from a “flight to safety” during crises, where voters favor stability. However, according to Goh, this strategy may be less effective now, as voters are more polarized and focused on local issues like housing affordability.

PPP: US tariffs on Singapore is "ikan bilis"

The PPP’s claim that the government is overreacting could stem from the fact that Singapore’s 10% tariff is relatively low compared to others (e.g., 26% for India). They might argue that Singapore’s diversified trade partnerships (e.g., with ASEAN, EU, and Japan) and free trade agreements could cushion the blow.

But they miss the forest for the trees. Tariffs aren’t just about U.S. trade—they disrupt global flows.

A slowdown anywhere hits our ports, factories, and wallets. Brushing it off as “ikan bilis” is reckless, like ignoring a leak in a ship.

The PPP’s skepticism taps voter frustration, but it underestimates a real economic storm.

Additionally, some opposition figures may believe the government’s messaging exaggerates immediate risks to rally voters, when the full economic impact might take time to materialize.

COVID-19 measures were also an overreaction but look at where it got Singapore

PM Wong referenced the COVID-19 response, where early government action was criticized as overreach but later proved necessary. This suggests a pattern: proactive warnings about external risks (like tariffs) aim to prepare Singaporeans for tough times, even if the full impact isn’t immediate.

According to Goh, he said to "let the big boys (US and China) hash it out" - reiterating that the tariffs are temporary and for Singapore to focus on domestic issues.

Goh rightly highlights domestic pain—housing and jobs are urgent—but dismissing tariffs ignores how global shocks amplify local struggles.

Some analysts argue that Singapore’s agile economy and government interventions (e.g., support for SMEs) could mitigate damage. The PPP might be banking on this resilience -- an irony seeing that PAP's policies created this resilience - to argue that panic is premature.

Election noise means opinions from political parties need to be taken with a grain of salt

With the General Election (GE2025) set for May 3, opposition parties are differentiating themselves by challenging the PAP’s narrative. Calling out “fear-mongering” appeals to voters frustrated with the PAP’s dominance. The PPP’s critique is partly electoral posturing.

Conversely, the PAP’s emphasis on unity and preparedness could be seen as leveraging the crisis to bolster its campaign.

However, dismissing the tariff threat as “fear-mongering” overlooks the broader economic stakes that affect the livelihood of all Singaporeans, and is nothing short of myopic.

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Vivian Balakrishnan's Facebook blooper also bloop-bloop in 2015

Is the Facebook glitch in the System or the Man?

|2 min read
Vivian Balakrishnan's Facebook blooper also bloop-bloop in 2015

Back in 2015, during the General Election’s Cooling-Off Day — a sacred 24-hour no-campaigning zone— Vivian Balakrishnan’s Facebook page was caught posting.

The Elections Department (ELD) issued a stern reminder about the rules, and Vivian’s team chalked it up to a “technical bug” causing “recurrent auto-posting,” later confirmed by Facebook (Straits Times, 2015).

Most gave Vivian the benefit of the doubt but fast-forward a decade, and that “one-off” glitch is starting to look like a feature, not a bug.

Another "bug" bites

On March 13, 2025, Vivian’s official Facebook page “liked” a post by Calvin Cheng suggesting pro-Palestinian activists be shipped to Gaza with no return ticket — a diplomatic disaster in a single click.

The backlash was instant, with netizens and activist groups like Monday of Palestine Solidarity slamming it as tone-deaf, especially given Vivian’s parliamentary nods to Palestinian causes.

By April 2, Vivian denied liking the post, claiming “unauthorized activity” and reporting it to Meta for investigation.

One too many glitches

Vivian’s social media has gone off-script, and the “bug” excuse is wearing thin.

In 2015, we could shrug it off—social media was still a wild frontier, and bugs weren’t uncommon.

But in 2025, when Singaporeans are dodging phishing scams and securing their Singpass with 2FA, a minister’s verified account getting “hacked” or “bugged” raises red flags.

When a minister’s account keeps glitching, it erodes confidence.

If Vivian’s team can’t secure a Facebook page, how do we trust them with cybersecurity or foreign policy?

With GE2025 looming, Singaporeans want leaders who can keep up — on policy and on Facebook.

Anything less, and Vivian risks being debugged by the ballot box.

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Singapore cannot be truly neutral in the US-China conflict

Choosing neutrality would mean avoiding economic and security alignment with either side, but Singapore’s reliance on both markets forces pragmatic engagement. It's not a test of neutrality — it’s power.

|3 min read
Singapore cannot be truly neutral in the US-China conflict

Can Singapore stay neutral in an increasingly volatile geopolitical landscape?

Former Trade Minister and current Minister of Education Chan Chun Sing’s said in a CNA podcast that it's not about choosing sides—sometimes that’s decided for you—but about making Singapore so valuable that everyone wants a piece.

While Chan’s perspective highlights Singapore’s pragmatic diplomacy, it sidesteps a stark reality: neutrality, in the face of deep economic and strategic entanglements with both the US and China, is a mirage.

Neutrality promises impartiality but Singapore's reality mocks it

Singapore cannot be truly neutral in the US-China tariff war due to its deep economic, strategic, and geopolitical entanglements with both powers.

In 2023, China devoured 14% of Singapore’s exports ($83 billion) and supplied 13% of imports, while the US took 13% of exports ($76 billion) and 10% of imports.

US foreign direct investment ($234 billion) is a growth engine, while China’s Belt and Road Initiative exploits Singapore’s ports, processing 37 million TEUs in 2024.

Singapore backs US-led Indo-Pacific frameworks like the Indo-Pacific Economic Framework for Prosperity (IPEF). Launched in 2022, IPEF’s 14-nation coalition (excluding China) aims to boost trade and supply chains.

China, excluded from IPEF, views it as a US strategy to counter its regional influence, a sentiment echoed by Chinese Foreign Minister Wang Yi, who labeled it an attempt to “decouple” economically and “incite confrontation.”

In 2024, China’s state media jabbed at Singapore’s IPEF role, hinting at trade blowback but nothing came out of it as of today. However, the message was clear: neutrality is a fantasy when your biggest trading partner feels betrayed.

Walking a regional tightrope with ASEAN

Singapore’s security reliance on the US, especially for deterrence in a volatile region, tilts its strategic calculus.

Neutrality would require distancing itself from US defense cooperation, but this is unlikely given Singapore’s need for a counterbalance to regional threats, including China’s assertiveness in the South China Sea that affects ASEAN.

Singapore has no claims but supports a rules-based order, implicitly aligning with US freedom-of-navigation operations against China’s claims. This stance, articulated in Singapore’s 2024 Foreign Policy Report, draws China’s ire, undermining perceptions of neutrality.

As an ASEAN linchpin, Singapore pushes for regional unity but ASEAN’s fractures—Cambodia and Laos cozy up to China, while the Philippines and Vietnam lean US—make neutrality a diplomatic minefield.

Singapore's real play is not neutrality, but power

Choosing neutrality would mean avoiding economic and security alignment with either side, but Singapore’s reliance on both markets forces pragmatic engagement.

Favoring one risks alienating the other, yet remaining aloof could marginalize Singapore in global trade networks.

Instead, Singapore pursues strategic autonomy—hedging bets, diversifying partners, and maximizing flexibility. This approach, allows Singapore to navigate the conflict without being fully subsumed by either side.

In 2023, Singapore's S$600 billion economy grew 1.2% despite tariff headwinds, proving its adaptability.

Singapore’s edge lies not in avoiding sides but in making itself so valuable that sides compete to win its favor.

That’s not neutrality — it’s power.

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PPP's Goh Meng Seng - Trump's tariffs will not last so why worry?

Even a “short” tariff is cause for worry. It’s like saying a heart attack won’t kill you because it only lasts a minute.

|3 min read
PPP's Goh Meng Seng - Trump's tariffs will not last so why worry?

Goh Meng Seng’s claim—“Trump’s tariff will not last”—seems to gloss over the issues of uncertainty.

In a Facebook post published by Goh, he said: "Trump's Tariff will not last. At most, it's between China and US but even for that, it will be much moderated."

His Facebook post, while likely aimed at calming nerves and challenging the PAP’s narrative, underestimates how even a fleeting tariff can ripple through a trade-dependent economy like Singapore’s.

The problem with "It won't last"

Goh’s assertion that Trump’s tariffs are a short-term blip sounds reassuring, but it misses the forest for the trees. Uncertainty is the real poison in global trade, and Singapore, with its open economy, is particularly allergic.

Even a temporary 10% tariff on Singapore’s exports to the U.S. spooks investors and businesses. A “short” tariff could still scare off a chip fab or logistics hub - of which Singapors economy is largely based on, costing billions in future growth.

Singapore’s role as a transshipment hub means it’s hyper-sensitive to global trade flows. A brief tariff could disrupt just-in-time manufacturing or shipping schedules, leading to delays, higher costs, and lost contracts. For example, electronics, a key export, rely on tight margins—any hiccup can cascade.

If China’s economy slows due to tariffs on U.S. goods, Singapore’s exports to China (think components, chemicals) could tank.

Even a three-month tariff war could shave 1.5% off GDP, per analyst estimates, hitting jobs and wages. That’s not a “bloop”; that’s a retrenchment notice.

Goh’s point might be that Singapore’s resilience—built on diversified trade partners and government agility—can absorb a temporary shock.

Fair enough.

We’ve got FTAs with the EU, ASEAN, and Japan, and the PAP’s track record of rolling out SME aid is solid.

But resilience doesn’t mean immunity. Uncertainty breeds hesitation—businesses pause hiring, and consumers tighten belts.

Why uncertainty is the real villain

Trade isn’t just about tariffs; it’s about confidence.

Singapore thrives on predictability—stable ports, clear trade rules, and a government that doesn’t surprise you.

SMEs, which employ 70% of Singapore’s workforce, can’t plan if tariffs might vanish or double. Should they eat the 10% cost? Pivot to new markets? Lay off staff? The indecision itself is paralyzing.

Trump’s tariffs aren’t just about Singapore. If the U.S.-China trade war escalates, global demand could slump, hitting Singapore’s exports across the board.

Does Goh Meng Seng have a point?

To give Goh some credit, he’s likely trying to counter the PAP’s “sky is falling” narrative ahead of GE2025.

The PAP’s warnings—PM Wong’s “seismic change,” SM Lee’s globalization eulogy—can feel like election scare tactics.

Goh’s post taps into that skepticism, suggesting the PAP’s hyping a temporary issue to rally voters.

And he’s not entirely wrong: Singapore’s economy has weathered shocks before (SARS-08, COVID-19), and a short tariff might not trigger Armageddon. The government’s got tools—subsidies, retraining programs, trade pivots—that could soften the blow.

But Goh’s oversimplifying.

The damage—lost contracts, spooked investors, job cuts—lingers.

And if Trump’s tariffs spark a broader trade war (say, EU retaliates or China doubles down), Singapore’s caught in the crossfire. Goh’s confidence feels like a campaign soundbite, not a strategy.

Goh’s “it won’t last” is refreshingly defiant, but it’s also naive. He’s betting on resilience without acknowledging the chaos a “bloop” can unleash.