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With a cashless society, there are third party entities that decide:

1) if the payment will be honored ( legal pot growers / legal sex workers / donations to wikileaks have this problem

2) the payment will be possible ( is the bank systems functioning )

3) how much of a cut the third-party will take from the transaction (visa, mastercard, but also app stories 30% cut)

4) who gets to know what was purchased (your bank shares information with the government)

5) who gets to know who made the purchase

6) who can access money: minors can't have bank accounts/etc, does someone have access to a banking system at all - lots of people can only cash checks through pay-day lenders

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