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> And convenient electronic payments > doesn't in anyway empower users?

Maybe you did not understand the article? It did not argue about convenience but about peoples control over their wealth.

> Also, if people are unbanked and below the poverty > line I would expect they would be more concerned with > getting by than "Orwellian levels of surveillance."

In many cases this is a big problem as it allows the Orwellian government to have larger control over people.

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