New Study In Germany Finds Fears Of The Internet Are Much Higher Than Expected

The divide between “digital natives” and “digital immigrants” is vast, and a new study of Internet use in the land of Gutenberg finds that twice the number previously believed barely go online at all.

A protest in Berlin against attempts to install a censorship infrastructure in Germany (Franz Patzig)
A protest in Berlin against attempts to install a censorship infrastructure in Germany (Franz Patzig)
Claudia Ehrenstein

BERLIN – The first-ever in-depth study of Internet use in Germany offers some surprising – and not so surprising -- results.

For starters, Internet users in Germany have very different expectations regarding security on the web, according to the new study published by the Deutsche Institut für Vertrauen und Sicherheit im Internet (German Institute for Trust and Safety on the Internet -- DIVSI).

DIVSI director Matthias Kammer spoke of "diametrically opposed safety needs' and warned that conflicts that could ensue from as a result could potentially lead to a breakdown in "social solidarity."

According to the study, so-called "Digital Natives' – mainly the young – feel safe on the Internet and assume responsibility for their personal data. "I surf, therefore I am," is the way Kammer describes the approach of Digital Natives, paraphrasing French philosopher René Descartes's famous line "I think, therefore I am."

By contrast, those dubbed "Digital Immigrants' who regularly -- but mostly unwillingly -- use the Internet, feel strongly that it puts them at risk, and that politicians should come up with strict new data protection regulations.

And then there are the "Digital Outsiders," who are so fearful of losing control over their personal data that they don't go online at all. Fears, as Kammer jokingly explained, include "deleting the Internet" if they make an inadvertent wrong move.

There are 27 million people in Germany, according to the study, who never or only very rarely log on – that's almost 40% of the population, double the amount of people it had heretofore been assumed were not using the Internet. More than 40% of Germans can be characterized as Digital Natives, while Digital Immigrants make up around 20%.

Kammer believes politicians must find legislation that manages to respond to the expectations and needs of all three groups, and strike appropriate balance between the desires for freedom and security.

More than 2,000 people were interviewed individually for 45 minutes each by study researchers. An additional number of conversations lasting several hours were held with selected participants. Kammer stressed that this study marks the first time that Germany's Internet usage has been examined with such precision.

A marked difference emerged, he said, between young users who used the web with confidence and believed that "if somebody wants my data they can have it – I'm not that important," and the much more skeptical and skittish older users.

One-third of all users were of the opinion that such a thing as absolute security could exist on the Internet. Fifty percent, however, feared that such safety would never be possible. Three-fourths of participants expected Germany's political and economic players to ensure greater Internet safety. One-fourth of users, mainly Digital Natives, were against anything that limited freedom on the web.

On closer examination of the three main groups of users, researchers identified seven different behaviors, such as the "unsavvy, unconfident" user who only goes online in exceptional cases and often feels completely overwhelmed. Then there's the "greenhorn" who sends e-mails and uses Skype to place calls, but is otherwise extremely cautious. "I would only ever order something on the Internet if my son helped me," said one participant. Both of these types belong to the Digital Outsider category.

"Responsible-minded routine users' may only use the Internet selectively, but overall have a very positive attitude to the digital world. The "post-material skeptic" displays a very critical stance with regard to the increasingly commercial nature of the digital world ("If something's free on the Internet, then you know you're paying with your data") and to "blind" fascination with technology. These behaviors belong to Digital Immigrants.

Digital Natives are prone to three different behaviors. "Unfettered hedonists' love being online and don't think about possible risks. "Efficiency-oriented performers' are Internet pros. "Digital masters," however, constitute the avant-garde. They use the Internet as an expression of independence and are marked by strong individualism. For them, "a certain anarchy" should prevail online. The Digital Natives are also the ones who determine how language and grammar are used on the web, the study says.

It is therefore important, it concludes, to sensitize this group particularly to the fact that there are people who do not feel as at home on the web as they do. Otherwise, DIVSI director Kammer warns, conflicts will develop.

Read the original article in German

Photo - Franz Patzig

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Debt Trap: Why South Korean Economics Explains Squid Game

Crunching the numbers of South Korea's personal and household debt offers a glimpse into what drives the win-or-die plot of the Netflix hit produced in the Asian country.

In the Netflix series, losers of the game face death

Yip Wing Sum


SEOUL — The South Korean series Squid Game has become the most viewed series on Netflix, watched by over 111 million viewers and counting. It has also generated a wave of debate online and off about its provocative message about contemporary life.

The plot follows the story of a desperate man in debt, who receives a mysterious invitation to play a game in which the contestants gamble their lives on six childhood games, with the winner awarded a prize of 45.6 billion won ($38 million)... while the losers face death.

It's a plot that many have noted is not quite as surreal as it sounds, a reflection of the reality of Korean society today mired in personal debt.

Seoul housing prices top London and New York

In the polished streets of downtown Seoul, one sees endless cards and coupons advertising loans scattered on the ground. Since the outbreak of the pandemic, as the demand for loans in South Korea has exploded, lax lending policies have led to a rapid increase in personal debt.

According to the South Korean Central Bank's "Monetary Credit Policy Report," household debt reached 105% of GDP in the first quarter of this year, equivalent to approximately $1.5 trillion at the end of March, with a major share tied up in home mortgages.

Average home loans are equivalent to 270% of annual income.

One reason behind the debts is the soaring housing prices. In Seoul, home to nearly half of the country's population, housing prices are now among the highest in the world. The price to income ratio (PIR), which weighs the average price of a home to the average annual household income, is 12.04 in Seoul, compared to 8.4 in San Francisco, 8.2 in London and 5.4 in New York.

According to the Korea Real Estate Commission, 42.1% of all home purchases in January 2021 were by young Koreans in their 20s and 30s. For those in their 30s, the average amount borrowed is equivalent to 270% of their annual income.

Playing the stock market

At the same time, the South Korean stock market is booming. The increased demand to buy stocks has led to an increase in other loans such as credit. The ratio for Korean shareholders conducting credit financing, i.e. borrowing from securities companies to secure stock holdings, had reached 21.4 trillion won ($17.7 billion), further increasing the indebtedness of households.

A 30-year-old Seoul office worker who bought stocks through various forms of borrowing was interviewed by Reuters this year, and said he was "very foolish not to take advantage of the rebound."

In addition to his 100 million won ($84,000) overdraft account, he also took out a 100 million won loan against his house in Seoul, and a 50 million won stock pledge. All of these demands on the stock market have further exacerbated the problem of household debt.

42.1% of all home purchases in January 2021 were by young Koreans in their 20s and 30s

Simon Shin/SOPA Images/ZUMA

Game of survival

In response to the accumulating financial risks, the Bank of Korea has restricted the release of loans and has announced its first interest rate hike in three years at the end of August.

But experts believe that even if banks cut loans or raise interest rates, those who need money will look for other ways to borrow, often turning to more costly institutions and mechanisms.

This all risks leading to what one can call a "debt trap," one loan piling on top of another. That brings us back to the plot of Squid Game, "Either you live or I do." South Korean society has turned into a game of survival.

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