An evening with DCD

 

DCD is a strange person.  He doesn't always learn from his past, and he makes the same type of mistakes over and over again.  Tonight was a typical example of dealing with him....

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I met DCD at a New Rochelle diner a little after he completed work for the day.  When he arrived, he started to tell me what was going on in his life, and I mentioned that his present situation with his girlfriend is similar to where I was with Ex-GF-M over 10 years ago.  His girlfriend is addicted to tobacco and alcohol, and wants DCD to participate in the addiction triangle: Person A, Person B, and the Addiction.  Whether or not Person B is addicted or not, Person B's behavior will either be that of participating in an addiction, or trying to deal with Person A's addiction.  DCD is the latter type.

I'm not saying that DCD has his act together.  He doesn't pay attention to advice given to him by well meaning friends, nor does he car about things such as payment instructions.  We chatted a little about Zelle and I mentioned that I don't use it because it has become a hacker's paradise.  Once a hacker is able to get into your account via Zelle fraud, the banks have a nasty habit of saying that your money is lost forever.  Yet, when we finished our meal, DCD didn't ask me how I wanted to get paid - he sent me money via Zelle!  This pissed me off!!!!  I planned to take the advice given by Clark Howard (Clark.com), and avoid the use of Zelle to protect myself from scams.  And now, I had to use it to receive money from DCD!  AARGH!!!!!  (No wonder why his relationships fail - he doesn't pay attention to any important messages from anyone.)  Luckily, I don't have any banking apps on my phone, and avoid them like the plague.  I prefer to use my PC or Chromebook for financial transactions, and was able to use one of my lesser bank relationships to receive DCD's money.

When I asked DCD why he uses Zelle, he mentioned that he doesn't like "float".  What he did wasn't related to float.  Instead, it was related to his record keeping - he doesn't want to worry about whether a check has cleared or not - if he does a small value payment via Zelle, the money has left his account and his account inquiry always shows a current balance.  (One the way home, I mentioned this to RQS, and she said that DCD will continue doing things his own way, and not care about what others say to him in regard to their interactions with him.)

I'll end up seeing DCD again on Friday, if only to hand him paperwork for the car.  Hopefully, he won't screw things up, as I want the car out of my driveway within the next 2 1/2 weeks.