To be sick of cashless society

[Ihatepcos]

I prefer to use cash, I always have.

I find budgeting and spending so much easier. If I am tapping away on my card I think nothing of constant £3 £6 etc being spent on things I probably wouldn't buy if I was spending cash.

More and more places simply don't take cash and it's driving me mad.

Lots of the small businesses around me would disagree incl me.
Most of us (my circle) had HMRC on our backs recently for wither minimal mistake or suspected issue. It's madness.
Madder than Immigration and that's something imho!

😂😂

No it was a bog standard comp. I left in Summer 1983 and by then they had 3 classrooms full of computers, one on every desk.

Workplace was certainly not "high tech" - we still had manual hand cranked adding machines, ledgers that we had to write by hand in ink pen, underlining in red ink, etc. Photocopier was a "page at a time one" where you had to use a piece of something like rice paper with the page on the bed and then put the rice paper with a piece of "copier" paper through a roller for the image to be transferred - it was heat transfer rather than ink. We also had a Gestetner duplicator for multiple prints of the same document in purple print which needed to be typed on special sheets that punched letter/number holes into it for the purple ink to go through!

The computers were bought purely for the time consuming "number crunching" work as the owners (both in their 60s) clearly made the decision that saving time (and therefore staff numbers) was worth their massive investment (at the time) in the computer system. They weren't used for "normal" admin nor secretarial work (cheaper wages I assume!). It would take a week to have done a manual/hand set of projections/forecasts for 3 years for a new business start-up (I remember doing them), but that could be done in a day with the computer and spreadsheet software, so massively labour saving. It was funny that the owners hadn't the faintest idea about how to use the computers, had no interest in learning, but could see the potential and payback and loved showing the end result to the client in a "look at us, we're forward thinking" way!

As for your comments about "more complex" things - apps like Monzo are remarkably simple, and are in no way any harder than Facebook to set up and use.

You're fooling yourself; or rather allowing yourself to be fooled by marketing if you think a Revolut account can't be cloned or used by anyone else.

https://www.financial-ombudsman.org.uk/decision/DRN-3265894.pdf

🤦‍♀️ You can’t be this stupid surely?! Why don’t they allow you to pay by cash OR card in the machines?! It’s not either or?! Every time I go to the supermarket there is a long queue to use the two machines that allow cash. Why is suddenly the option to pay by cash so difficult when ALL the machines used to allow BOTH payment methods?

It’s pretty obvious to anyone with two brain cells to rub together that this is deliberate.

Lesser security risk.
In my local shops there is always queue for card ones, not for cash ones

It’s obvious being ordered from the top down as a way of tracking people and their spending by making it as difficult as possible to pay by cash.

If I ran a fruit stand for about 6 months and I now know more people are likely to buy apples than oranges, Why would I deliberately buy MORE oranges?
Supermarkets are simply catering for the majority, that's all.

Oh bless you, you don't understand any of it do you?

These people talking about their Nans who can't use a card or write an email....thats just you in another few years!

This life now. You need to learn new budgeting techniques.

In my local shops there is always queue for card ones, not for cash ones

same here

Yanbu...I much prefer being able to use cash

Of course it deliberate you donkey! Supermarkets are in the business of making money. As well as maximising profit they want to minimise cost.
The majority of people want to and can pay by card. IT is cheaper and easier for the supermarkets to minimise cash use. So they do that, obviously.
Why wouldn't they?

Honestly, people aren't getting the absolute basics of money and are making up paranoid nonsense to cover the huge gaps!

Why have you posted an example where someone left their card in a taxi?

The exact same thing happens with cash, and it's a lot less traceable.

In your case study the guy got his money back. If he'd dropped cash, he wouldn't.

Does it? Do you have a reference for this?

Having had them declined when trying to pay.

@Mrsjayy Novotel hotels are cash free.
All the banks here have closed down.

The world has been gradually moving towards this for years, you have to keep up or you’ll fall behind. I’ve used Apple Pay for about 7 years, almost never have cash and I personally hate cash only places for this reason. Find cash archaic, I don’t even own a purse.

Simples. Cash takes longer and more prone to needing a human to come and extract the creased note that it's eaten, further delay. Better to have a smaller number of machines taking cash so that customers using the quicker card payment option can get through the other machines quicker instead of being stuck behind a queue of slower cash payers. Just like the "10 items or less" queues.

I’m all for cards it’s much easier. However I was in a cashless shop and their machines went down. No-one could pay and we all had to leave. Made me worry about cyber attacks and what we’d do

Words fail me, they really do.

I do this too. It does work well for me.

Not being able to buy your shopping is the least of your worries if there really was a serious cyber attack. You may not get paid, you may lose access to your investments/pensions/savings. Your entire internet history could be wiped as could your bank accounts etc.

Cyber security is just about the biggest issue at the moment and is virtually a new industry in itself to protect against cyber attacks and minimise the damage should one happen, including back up systems, etc. Big firms are pumping billions into cyber security to minimise risks of it happening.

@bringmetheheadofpastaalfredo

Of course I know that there are various options.

I said "these transactions can OFTEN cost". I did not say they always cost that. I see the purchase on my client's statement, they are not paying any charges, but the pub is. Obviously it is up to the pub to shop around and pay the minimum card price that they can, which is what I advise my clients to do, but various companies charge various prices and some businesses are limited to what they can use due to poor broadband and certain card readers not work (rural area
here).

Most of my own clients are not the type of business that takes card payments, but if they do then of course I advise them to shop around to get the best rates that they can.

At the end of the day, card use can mean that the business gets less per transaction than if somebody pays cash so they are making less money. However on the plus side, they could possibly sell more items as most people have cards but not always cash.

There are very good arguments for and against.

Your want to pay by card does not negate the fact that for some small businesses the charges cost them a lot of money.

Those saying that when a card system fails they have no way of selling.. this is the same anywhere though. If our computer system at work goes down, we can literally do nothing at all.

Recently Lloyds Pharmacy computer when down nationally so they were unable to do any prescriptions at all.

This isn't an excuse to not go cashless. I don't know anyone who has no other way of paying.