That you don't keep a PayPal balance and i don't buy Apple gift cards is irrelevant to the people that do keep a PayPal balance and do use Apple gift cards
"It hurts whenever I hit myself"
"But you don't have to hit yourself"
"tHaT yOu DoN't hIt YoUrSeLF iS IrReLeVaNt To ThE pEoPlE tHaT dO"
I think the point was that PayPal and Apple are different since PayPal is easy to mitigate, and Apple not so much.
I wish there are more comments like this on HN - well done :)
the number of people commenting like “well I don’t do/use/…” is mind-boggling