Off to the barbers at lunchtime and they only take cash, which is a right pain as the nearby ATM rarely has any, so then I need to make a purchase to get cashback.
I really don’t understand the idea that using cash is better for budgeting.
Because for some folks the physical notes in their hand is a pretty simple indicator of how much they have to spend each week.
You really want a contactless app which flashes up what you have before and after each debit.
I think they had that on one of the payment/banking apps i have. But it was an option that i didn't use and it now appears to have gone. (i just tried to find it and can't.)
I've not deliberately used cash to buy anything in about 3 years, the only cash i get now is from the neighbours when they owe me something. That generally gets stockpiled and dusty, last time i used cash was to get rid of some notes that were being withdrawn.
Can anyone explain to me why there are people (my dad included) that are totally against a cashless society? I am seeing more and more conspiricy theory type posts on social media about the toipic as well, am I naive in my view that a cashless society is a good thing?
Somebody posted something above about CBDC which as far as i understand is a completely separate issue from our cashless / digital cash society. Seems a bit tin-hat to me. Cash is a total PITA.
I think they had that on one of the payment/banking apps i have. But it was an option that i didn’t use and it now appears to have gone. (i just tried to find it and can’t.)
Except, on an iPhone, you pay via ApplePay, which I don't think know's your balance - in fact it can't as it can work offline....
Can anyone explain to me why there are people (my dad included) that are totally against a cashless society?
1) some people don't like change. I can't imagine how they would have dealt with decimalisation if they were alive/adult at the time. "how we've always done it" is a powerful thing.
2) some are so terrified of the gub'mint tracking what they buy for some reason that they would rather deliberately inconvience themselves both in time and financially to avoid it. This desire for secrecy and annonymity is often, bizarrrely, accompanied by making sure everyone else in [digital] earshot knows how much of an individual non-conformist you are.
3) cash is tax free.
Can anyone explain to me why there are people (my dad included) that are totally against a cashless society?
I have a FB friend, who due to Covid seems to have become a complete conspiracy theorist and posts stuff about *they* will control what you can spend etc in the cashless world and how we must have cashpoints protected. I did point out that *they* could just control your access to cashpoints....
Can anyone explain to me why there are people (my dad included) that are totally against a cashless society? I am seeing more and more conspiricy theory type posts on social media about the toipic as well, am I naive in my view that a cashless society is a good thing?
Like all good conspiracy theories, there's someone that stands to gain from it.
Area 51 - I'm sure Lockheed don't object to a load of nutjobs considering that there's another enemy that needs a few billion spent on it developing weaponized space planes.
Cashless - the obvious trades doing work for cash
Qanon - the alt-Right.
etc.
Has everyone forgotten when the visa network went down the other year? Never put all your eggs in one basket.
Except, on an iPhone, you pay via ApplePay, which I don’t think know’s your balance – in fact it can’t as it can work offline….
Yes, it's a banking app, that is linked to your account, and would show your balance when you were making a payment.
in fact it can’t as it can work offline….
Sort of. Your device with your ApplePay key on might work offline... but that's because you use it with a pay point that is online... that can check you have the funds to pay. Anyway... the card/account you have linked to ApplePay should have a banking app... put that on the phone as well and it can nag you about what you're spending via ApplePay and all other methods (once your phone is online, of course).
Has everyone forgotten when the visa network went down the other year? Never put all your eggs in one basket.
Did it? Can't have been a big deal as I don't recall anything....
the card/account you have linked to ApplePay should have a banking app… put that on the phone as well and it can nag you about what you’re spending via ApplePay and all other methods (once your phone is online, of course).
Yes, but the App isn't involved in the payment process, so you have no idea how solvent you are when you run Applepay.
Can anyone explain to me why there are people (my dad included) that are totally against a cashless society?
1) some people don’t like change.
You'd think that would make them more in favour of it. 😁
you have no idea how solvent you are when you run Applepay
If that's what you choose. Personally, I check with my banking app to see what I have left in my account, and what payments have recently gone out. Why would I want to check with ApplePay? It has no idea what is happening with my banking, why would I want it to? That DD that just went out. That card payment made online. None of its business. As for online/offline... where are you buying things where there is no phone signal and no wifi? That might be quite an England centric point, sorry if you're somewhere more remote and less connected.
posts stuff about *they* will control what you can spend etc in the cashless world
bonkers, to what gain?
you've bought too many bike bits this year, card declined?
our whole society is based on people spending and sending the same money round and round. Not without its downsides, I will admit, especially as that can be at odds with sustainability.
But why the government and banks want to stop you spending is a quesiton these people never answer.
If that’s what you choose
I'm merely pointing out why budgeting is easier will all your money as cash in you hand rather than having to run one app to see what you have in your current account, mentally subtract out any outstanding DDs and then use Applepay to buy a plate of finest smashed avocado on toast..
Personally I just buy the toast knowing there is always enough money to cover it - but then I'm not on the breadline (yet).
Oh, I have been... and seeing your overdraft limit being exceeded be a few quid (meaning lots of charges) while you know you have just under a tenner in your pocket in cash is such a sinking feeling... if that money was in your account until you've spent it then it could be helping keep the ever present creeping threat of the bank charges at bay, maybe 'till payday, if luck is with you. There's a downside to all payment methods when you're shit broke.
Can anyone explain to me why there are people (my dad included) that are totally against a cashless society?
From my FB friend who went from a very rational chap to a total paranoid, conspiracy theory nut job over the last two years and now just posts crap like this:
[url= https://live.staticflickr.com/65535/52408657601_537e538486_z.jp g" target="_blank">https://live.staticflickr.com/65535/52408657601_537e538486_z.jp g"/> [/img][/url][url= https://flic.kr/p/2nRb51R ]Paranoid delusions[/url] by [url= https://www.flickr.com/photos/brf/ ]Ben Freeman[/url], on Flickr
*They* are coming to get you.....
He also posts a lot about Covid masks causing heart attacks. I have offered to put him in touch with a friend, deputy medical director of Papworth Heart Hospital, to discuss this, but apparently 'he' is one of *them*.
His FB feed is my insight in the online equivalent of the Victorian loony asylum - so I haven't blocked him yet.
His FB feed is my insight in the online equivalent of the Victorian loony asylum – so I haven’t blocked him yet.
Is your friend my dad? Who I did block, and has now been forced to remove himself from Facebook by the family due to his increasingly horrendous views on things 🙂
From my FB friend who went from a very rational chap to a total paranoid, conspiracy theory nut job over the last two years
does he live alone? I have some sympathy for someone who took refuge in the dark corners of the internet when covid lockdowns removed real life social interaction.
does he live alone?
No married, grown up kids, grandchildren....
Trying to save them all from *them*.
It's all a bit sad, he was a really decent bloke pre Covid.
Has everyone forgotten when the visa network went down the other year? Never put all your eggs in one basket.
ITS (quite a large epos firm) has been unable to use Google and apple pay across a few days/weeks over the last month - so millions of people were unable to use these services to pay for goods causing huge disruption (especially for those that only carry their phone). And Clover (who bank funds into from the epos machines into buisness accounts) had big banking issues and delays at the start of this week.
Things like this happens quite regularly
Like all good conspiracy theories, there’s someone that stands to gain from it.
The biggest to gain from going 100% cash free are the banks. That's why chip and pin and now contactless were rolled out - they are new ways/products for banks to generate funds.
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
1) some people don’t like change. I can’t imagine how they would have dealt with decimalisation if they were alive/adult at the time. “how we’ve always done it” is a powerful thing.
That just reminded me of a clip on the news when pound coins were introduced. Some mad bat in the street showed her disapproval by dropping a pound coin and telling the reporter that she couldn't hear it fall. Ignoring the fact that a paper pound note makes no noise at all when it falls out of your threadbare purse..
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
I occasionally sell the odd thing for cash on FB etc and then just use the cash to pay our cat sitter (neighbour's daughter) next time we go away...
Some mad bat in the street showed her disapproval by dropping a pound coin and telling the reporter that she couldn’t hear it fall.
mad. how did she beleive pre-decimised currency differ in this regard? and why was it an issue?
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
Use PayPal where possible for Facebook marketplace but don't use it a whole lot. And you wouldn't get me near a bootfair.
And you wouldn’t get me near a bootfair.
all the misery of trawling ebay/marketplace; with the added hassle of getting up early, and walking round a wet field, and no search function.
From my FB friend who went from a very rational chap to a total paranoid, conspiracy theory nut job over the last two years and now just posts crap like this:
The logic there is just brilliant. "In a cashless society, how will we draw out cash?!"
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
Not if I can help it.
There is - today at least - still a need for cash for stuff like this. The old boy on my street sells off tat on trestle tables outside his house to raise money for charity, I can't imagine him investing in an EPOS system in order to facilitate the sale of a second-hand washing-up bowl. In a cashless society the 'spare some change, guv?' elements of society are going to struggle. Street entertainers, they're out of luck too.
But these are outliers, for regular day-to-day retail transactions it's usually unnecessary. I can see the argument against card payments for small purchases if there's a transaction fee, and some places do have a minimum payment limit of £5 (though it'd be easy to view this cynically as a retailer upselling, I only wanted a bottle of pop but I've no change so I'll buy a few other bits).
At the other end, what's a 'large' cash transaction? I paid my cat-sitter ~£100 in folding a little while ago but there's little reason why I couldn't have done a bank transfer other than it was her preference. The largest bills in wide circulation are £20, I don't think I've ever seen a £50 note in the flesh and many retailers won't accept them due to fraud concerns anyway. We could, arguably, introduce the £5 coin into general circulation and do away with banknotes completely.
Interesting question really. I rarely use cash - mostly only when I've sold something on FB marketplace or want to pay a tradesman for a quick job and it makes it 20% cheaper (wonder why?).
Having said that, I'm not keen on a totally cashless society. Given how close Germany came to negative interest rates during covid, having cash in circulation means that, in theory, if banks start charging you to keep your money in them, you can feasibly just go and withdraw it all and stuff it under the mattress. Thus creating run on banks/financial meltdown etc dissuading central banks from going negative.
Cash is a faff, and contactless is far easier. Having said that, if we could get rid of coins I'd be much more willing to use it. Back to pound notes please and ban the 99p rubbish. (Disclaimer - I'm 37 before anyone says pipe down grandad)
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
Yeah, as said PayPal and bank transfer have been a thing for years. Decades even in the case of PayPal.
We could, arguably, introduce the £5 coin into general circulation and do away with banknotes completely.
So have money weigh more and be more difficult to count and more difficult to carry for the convenience of who exactly?
So have money weigh more and be more difficult to count and more difficult to carry for the convenience of who exactly?
Why have coins at all then? Should we get rid of the penny in favour of a 1p note?
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
At best it's circular, I sell something, and it takes a few weeks to spend it back again, and then there's the faff of trying to get change sorted etc.
But I've never turned down or been refused a bank transfer.
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
And farmers markets, and blokes selling firewood from a barn in a forest and second hand shops and people selling street food and giving money to beggars and car parking and at the fun fair...
It's easy.
Either Google Pay or Swish or bank transfer.
Do any of you no cash people buy thing off facebook market place, bootfairs etc?
Don’t use Facebook but Mrs F does and uses PayPal. Car boot sales, nope, never been to one and don’t intend starting. If I can’t pay in a way that’s convenient to me I’ll just buy from somewhere else.
This stuff is rife on our local FB groups. This and self service checkouts are supposedly the beginning of the end of the world.
Yeah, as said PayPal and bank transfer have been a thing for years. Decades even in the case of PayPal.
I find PayPal and bank transfer far more of a pain for small amounts.
I mainly use card but sure as hell do not want to see cash go. Far to useful for buying and selling little bit and bobs, presents, quick transactions, out of service areas, emergencys.
I am getting the impression of quite a narrow section of society from the no need for cash crew.
Another question for you no cash people.
Are you of the opinion if you have nothing to hide you have nothing to fear?
Also what are your thoughts on government backed crypto?
Are you of the opinion if you have nothing to hide you have nothing to fear?
I'm not sure I understand the question. What would we be afraid of?
I am getting the impression of quite a narrow section of society from the no need for cash crew.
Nah. On the civilized side of the North Sea, cashless is ~90% of all transactions.
Are you of the opinion if you have nothing to hide you have nothing to fear?
AHH bollocks, the government will be onto my criminal empire now. The purchase of that porcelain dog at the car boot was the last piece of the puzzle they needed to build their case.
I find PayPal and bank transfer far more of a pain for small amounts.
Because plugging an email address in and hitting send is so difficult?
Another question for you no cash people.
Are you of the opinion if you have nothing to hide you have nothing to fear?
What exactly am I hiding? Regardless of of how I pay for something "they" still know I've gone to the trouble of finding out where to buy "it" by my internet history. Since I'm not in the business of gun running or kiddy porn I'm not exactly sure what I should be worried about.
Also what are your thoughts on government backed crypto?
Right, that's twice, gonna explain what the actual point is here or is it all guesswork and innuendo?