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OK, so by "neutral money" you mean still USD or EUR currencies but in cash/check/money order form? Are you saying there needs to be a government-run payment processor?

Because to me this term sounds like cryptocurrency, whose boosters constantly talk about how they are beyond governments or any regulation at all.

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What I mean includes both a CBDC (or equivalent digital cash issued by federal government, agnostic of how its implemented) and cryptocurrencies. I don't believe private businesses should be able to cut off payments flow like that.

I do also, but separately, not really love the idea of governments being able to block payments either. Obviously there are many cases in which it's good (as there are for private companies blocking them), but I think the bad outweighs the good in the long run for essentially the same reason as speech regulations.

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