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Reality is very different. If you have the courage, you can experiment living one year without bank card or wire payments, then your life is going to get very very difficult.

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This comment isn't about living without a bank card or wire payments, though? It's about living with a hardware TOTP device

This problem is getting worse too, as more and more businesses become "cashless only".

Well, this is literally illegal in many jurisdictions.

And literally legal in many jurisdictions

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