It’s like Twitter, but anybody is free to spin up their own instance, and they’re all inter-compatible, so any one can view content from any other.

That freedom and openness gives users choice. If one instance owner turns out to be a real dick, the community is able to move off of and blacklist it.

Email is an oft used example. Leaving Gmail doesn’t lock you out of email because you can switch to a different provider or (with enough effort) even run your own email.

“$0” just means they don’t charge a flat fee on top. You’d have to check the conversion rate they give you compared to market rate to really know.

It can be the case, even likely, that your card’s rate is better than local currency converters and atms targeting tourists, but point is they’re still not doing for free.

Set it up so those that don’t work also don’t get enough money to do those fun things.

Enough to not die, but not enough to live.