《為何我盡量用現金》

[北歐生活] [好文分享] #無現金社會 #為何我用現金 #抵制We7Pay
瑞典近乎是無現金社會(cashless society),用Debit Card非常方便,就算只買幾克朗的零食汽水,都可用卡,而私人轉帳一般會用Swish(像香港的PayMe),所以幾乎在任何場合都不需用現金。一般瑞典人,身上連買熱狗的錢也沒有,我們常戲稱,身上有多過500克朗(大約400港幣)的,肯定是毒販。

驟眼看很方便,一卡在手,不用提款,也不用刻意記帳。我卻反行其道,近兩年盡量使用現金(放心,我沒有當毒販😂)。最近發現,用現金變得極不方便,一是很多銀行分行不再接受現金,二是很多商店不接受現金,此外,超級市場的自助機器必須用卡,否則要排長隊付款。

電子付款越來越流行,我自己也是個科技宅,卻為什麼要自討苦吃,偏要用現金呢?第一,當你習慣用卡付款,你所有的購物行為都會被記錄。你每星期一三五下午四時都會買蛋白條準備健身,他知道;你只會買一個品牌的護髮素,他知道;你最近買了安全套,交女朋友了,他也知道。你的行為習慣,生活有什麼改變,都是大數據的一部份,可以監察,可以用數學模型預測。就算不講那麼長遠,直接一點的例子,是瑞典的電視稅,只要你買了電視機,不出幾天就會有人上門收電視稅,皆因你用了銀行卡付款。一舉一動,都有人看著。

第二,慣用電子付款,所有的經濟行為都要直接通過中介,無法匿名付款。試想像整個社會都依賴Wechat Pay,某天中国政府判定你是信用評級差的人,或者Wechat公司聲稱你的帳號可疑,就可以拒絕你的付款。現金呢?卻認錢不認人,保障了國民交易的自由。就算是瑞典,如果有日政權換了法西斯政府,異見者連買面包的權利都可以被輕易剝奪。

將一切電子化,短期的確方便了生活,可是同樣方便了中介奪權以及剝奪自由(無論是政府或是財閥),這就是Data Centralization(資訊中心化)的危險,也是近十年越來越多人推廣Decentralization(去中心化)的原因。

#北歐生活 #隨筆

(事先聲明:說「只要你是好人,光明正大,怕什麼別人監管」的人,快點滾,撿回大腦再回來。😃

//The recent Visa chaos, during which millions of people who have become dependent on digital payment suddenly found themselves stranded when the monopolistic payment network crashed, was a temporary setback. Digital systems may be “convenient”, but they often come with central points of failure. Cash, on the other hand, does not crash. It does not rely on external data centres, and is not subject to remote control or remote monitoring. The cash system allows for an unmonitored “off the grid” space. This is also the reason why financial institutions and financial technology companies want to get rid of it. Cash transactions are outside the net that such institutions cast to harvest fees and data.

A cashless society brings dangers. People without bank accounts will find themselves further marginalised, disenfranchised from the cash infrastructure that previously supported them. There are also poorly understood psychological implications about cash encouraging self-control while paying by card or a mobile phone can encourage spending. And a cashless society has major surveillance implications.//

 

https://www.theguardian.com/commentisfree/2018/jul/19/cashless-society-con-big-finance-banks-closing-atms?CMP=fb_gu