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Yes, always enable FileVault!

Just don't install beta's on your primary machine, unless testing that beta and giving feedback to Apple is your objective.
Did you ever make a bootable snapshot of Monterey? It requires the same disk level access with Admin Password before you can associate it with your M1 Mac. No FileVault used. New security compared to Big Sur.
 
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Irregardless of running betas - people should be regularly backing up their computers anyway.

What people should be doing and what they are doing …are two very different things.

It’s long been a pet peeve of mine that Apple has not tried to solve this better for average consumers

This is the kind of problem they used to be interested in helping with, even if not wildly profitable to do so.
 
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First rule of macOS beta testing, never put two different operating systems versions on the same volume. This isn't the first time there have been issues with that and it won't be the last. Use an external drive and make sure you know the ramifications of running unsupported firmware (firmware installed by a different operating system release).
 
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What people should be doing and what they are doing …are two very different things.

It’s long been a pet peeve of mine that Apple has not tried to solve this better for average consumers

This is the kind of problem they used to be interested in helping with, even if not wildly profitable to do so.
I don't think they want average consumers doing beta testing. It should be for developers, IT admins, and power users that have extra Macs for testing. It is also not recommended to dual boot macOS versions. macOS is very dependent on the firmware running on the T2 chip, GPU, etc. Apple Silicon has less firmware and may be a little safer. Apple has also been tweaking APFS for some time, so running multiple operating systems inside the same APFS container is not a good idea. The best way to beta test is one operating system on one volume on one dedicated machine. I run betas, but I also have a half dozen Macs around my desk.
 
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I was talking about backing up data
A bit late, but I was going to say the same thing.
The way the current migration assistant works you can make use of another Mac, TimeMachine backup, or another startup disk (external storage). But Apple doesn't have sync for Macs for iCloud. Sure you could drag and drop directories to iCloud, but it would be a very tedious restore process with all settings lost and only directories contents backed up.

In the past people with fixed data caps would exceed their allocations using cloud based storage for backups.
 
While I see the point you're trying to make, a mobile banking app is just ONE way to access a bank account. You made it sounds like it was the only way. And how do you withdraw cash using your banking app exactly? ?

I had no physical debit card tied to my checking account (for safety reasons, as it holds savings / earnings), for more than a decade my bank (BBVA) has allowed you to do card-less withdrawals from the mobile app by issuing a code you can either input or scan (newer atms have scanners so you don't have to input the code).

Bank branches were either closed or at limited capacity due to the pandemic (2020), all my major payments such as rent I do as a transfer, I had no access and have never used the online banking website, I don't have it enabled I don't think.

Either way, the point being we're ever more dependent on our devices for many basic things, cash is going obsolete in some societies, even more so if you're working / living remotely, under this reality, risking your device, either your computer or your smartphone with day 1 major releases (let's not talk beta) its just too much, for what is now basically mature platforms, as you're getting a few novelties at most.
 
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How is Apple expected to test things and make mistakes without the public breathing down its neck? That’s why betas and new features are usually kept secret so they have the room to test without pressure.
 
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I had no physical card to access my checking account (for safety reasons, as it holds savings / earnings), for more than a decade my bank (BBVA) has allowed you to withdraw cash from an ATM by issuing a card-less withdrawal from the mobile app, it's a code you can either input or scan (newer atms have scanners so you don't have to input the code).

Bank branches were either closed or at limited capacity due to the pandemic, all my major payments such as rent I do as a transfer, I had no access and have never used the online banking website, I don't have it enabled I don't think.

Either way, the point being we're ever more dependent on our devices for many basic things, cash is going obsolete in some societies, even more so if you're working / living remotely, under this reality, risking your device, either your computer or your smartphone with day 1 major releases (let's not talk beta) its just too much, for what is now basically mature platforms, so, you're getting a few novelties at most.
I have an ammo can with cards I don’t use locked up in it. It’s also good for your car title, social security cards, all that important stuff. They’re like $20-30 at walmart, solid steel. Slap a long shackle padlock on it through the hole and you’re set. Chain it to a pipe or other solid point and it’s not going anywhere. Also, chances are if you use the app then online banking is the same login.
 
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macOS 11.6.4...? What are they adding to Big Sur? Can't find any info on this
 
I don't think they want average consumers doing beta testing. It should be for developers, IT admins, and power users that have extra Macs for testing
Then I have to wonder why bother launching public beta program at all, if those people are the demographics Apple want to target. Heck, they should’ve only distributed beta through verification and registration (basically iOS early days developer beta but stricter) according to your logic.
 
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Then I have to wonder why bother launching public beta program at all, if those people are the demographics Apple want to target. Heck, they should’ve only distributed beta through verification and registration (basically iOS early days developer beta but stricter) according to your logic.
That person is wrong. Dev betas are for devs only they require an Apple Dev account and you pay $100 year to Apple to publish your apps on the App Store and you get access to Dev betas which are early than public betas.

Public betas are as the name states for the PUBLIC. Anyone can download them, although you do have to sign up to the Public Beta program which is free.

Apple recommends to back up your data before installing a ANY beta. I am sure the average Mac user will not install betas. If they do they should know the risks.
 
Discovering bugs in a variety of real world conditions is why beta tests exist.
I agree and it’s good that at least this one didn’t get thrown under the rug, but man, releases have been pushed out even when during betas people found, exposed, documented bugs… external screen connection problems, Bluetooth disconnects/interferences, memory leaks and many others that were already pointed out AND STILL make it to the release.

I’m 99.99% of the time unaffected (because I avoid both beta versions and latest releases in general) but just reading it is frustrating.

This one, I’ll be keeping an eye to see if macrumors over the next month says anything about the release still having this boot loop issues.
 
Dear apologists, sorry, but when a basic, long standing, and even RECOMMENDED feature bricks your PC, it mustn't be called a beta. Beta doesn't mean "no QA".
 
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Dear apologists, sorry, but when a basic, long standing, and even RECOMMENDED feature bricks your PC, it mustn't be called a beta. Beta doesn't mean "no QA".
How many use FileVault on a Mac running Catalina, never bothered to update to any public version of Big Sur, skipped all the previous Monterey public releases to use 12.3 beta out of the blue? That’s a long shot of sorts isn’t it? ;)
 
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