Complex Systems with Patrick McKenzie (patio11) Podcast Transcripts
Patrick McKenzie · 108 episodes with transcripts
We live in a world where our civilization and daily lives depend upon institutions, infrastructure, and technological substrates that are _complicated_ but not _unknowable_.
Spoken has transcripts of 108 Complex Systems with Patrick McKenzie (patio11) episodes, with the speakers named. The newest listed here is from October 8, 2026.
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Latest Complex Systems with Patrick McKenzie (patio11) transcripts
The $900 million wire that wasn't final
October 8, 2026
Patrick McKenzie (0:02)
Welcome to Complex Systems, where we discuss the technical, organizational, and human factors underpinning why the world works the way it does.
Most people have an intuitive ranking of payment finality. Put a $20 burger on your credit card, and you know if something goes wrong that you can dispute it. But you send a wire, and you think the money is just gone because wires are final. That's what wires are for. In August 2020, Citibank accidentally wired…
- The $900 million wire that wasn't final
- Stranded? Who pays when air travel breaks
- Forced vacations are a fraud control
- The economics of putting germicidal light in every room, with Misha Gurevich and Vivian Belenky of Aerolamp
- What you're actually getting paid in, with Leila Clark
- What LLMs can and can't do for writers, with Clara Collier of Asterisk Magazine
- YouTube economics now, with Justin Kuiper
- The structural footprint of a bank run
- Forty ways to pay for coffee in Japan
- How brokerage transfers actually work
- Wrong numbers and why they survive, with Aaron Brown
- Defendant, Censor, Politico, Spy
- How the SPLC became financial infrastructure
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