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Unfortunately we wouldn't move forward as a society if we didn't do things that affected people that didn't want to progress with modern ways of living.

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Modern ways of living is more akin to using toilets. Cash isn’t an unnecessary artifact of ancient civilization that impedes progress.

This. There's an energy crisis going on, and as late as a few days ago, Finnish news warned that there's a non-zero chance of rolling two-hour power outages as early as next week. If that happens, cash and paper invoices will be crucial to keep society running properly.

Digitizing cash has moved civilization forward in ways we could never have dreamed of.

Indeed, I can’t imagine that any marketers from the past could have imagined the vast troves of data about consumers that are available to them today.

Why do you need man in middle in your payments?

Having a man in the middle of payments adds more benefits that it does cons.

So you would make payments totally dependent on: - eletricity - smartphone - data signal - bank account - no privacy

Can you imagine that old people, homeless or even small kids that want buy a candy will not be able to buy anything?

Keep your benefits for yourself.

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