I was a victim of bank fraud a couple of years ago. My bank was totally at fault (I caught it, not them) and they reimbursed me in full.

From what I understand, government insurance goes more towards bank failure, not fraud.

Because bikes go the wrong way up one way streets, ride on sidewalks, don't use lights at night and run red lights whenever they feel like it. Think Brownian motion. If there are a lot of them (and there are in New York City) the odds of getting hit by one if you're not super duper careful is high. Worse if you are older and don't see so good or move so fast.

I've seen e-bike collisions too. Unfortunately pedestrian's are still badly hurt or killed.

It's the same here in New York City. I've seen e-bike accidents and they are no picnic. The city does crack down on them from time to time.

Any bar or hotel has a public bathroom. Most restaurants as well.

They probably won't be happy if you just use the bathroom and don't order anything. Here some fastfood places near busy subway stations have a combination lock on the door to prevent random people from using the bathroom (the code is in the receipt).

Not even close to the same. There's no expectation to buy something, and in many cities, they either don't have bathrooms or they prohibit non-patrons from using them.

I've done this. It can be hit or miss. Get a great team with a strong lead and you'll love them. Unfortunately there's quite a bit of opportunity over there so once you've trained them up, they're always looking for their next (better paying) gig with their new skills. It's rare if folks last past a year on your team.

On IOS there's Möbius Sync, which works perfectly with Syncthing.

Well, I wouldn't go that far. The Acella sucks if you have to depend on it. As does Amtrak. It's expensive and crappy. Public transportation is designed for getting people from the boroughs into the city center, not the other way around. If you use public trans for leaving the city it's very difficult to get from the train station to your final destination, there's just so few options.

Most places deliver for free (or a minimal charge), so this isn't a big deal.

I live in NYC (Upper East Side in Manhattan) and I don't think I could live without a car. It's just so nice to be able to leave whenever you want. On your schedule, in your own private space. I don't drive around in the city - driving here is stressful and a huge drag. But if you ever want to go hiking or biking outside the city, or leave for any reason, having your own car is a blessing.

I'm not saying you'll save money by owning a car here, that's definitely not true. It's a luxury item in this city. But it is very nice to have one at your disposal.