this post was submitted on 23 Jul 2024
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Rightfully so. When telecoms and train travel vendors give discounts for paying online, it rewards consumers who are on the unethical side of the #warOnCash and rewards discrimination against the unbanked and punishes the poor. The elitist idea of discounting electronic payment harms everyone by promoting Bill Gates’ war on cash. Visa’s $10k incentive for merchants to refuse cash rewards the practice of excluding people and attacks privacy and autonomy. Whereas cash discounts encourage consumers to carry cash and to use it to support a system of inclusion, which is needed to show merchants on the edge of introducing exclusion that cash acceptance is important.
I think you're on some ideological crusade, I'm more into pragmatism.
Prices should be the same regardless of the payment method, but let's not pretend the "discount" you get when paying cash is anything but tax evasion.
“If you are neutral in situations of injustice, you have chosen the side of the oppressor. If an elephant has its foot on the tail of a mouse, and you say that you are neutral, the mouse will not appreciate your neutrality.”
― Desmond Tutu
Let’s not pretend Visa, Mastercard, and American Express give free service to merchants. Let’s not pretend the costs of loss of business when a card fails, or the equipment malfunctions is zero. Let’s not pretend there is zero value in having cash to facilitate situations where wait staff shares their tips with the kitchen staff¹, or that having petty cash on-hand is not useful for small incidental costs. Let’s not pretend the transactions a company does is not sensitive information and that data brokers selling that info to competitors is free of detriment.
¹ I recently asked a restaurant for cash back. They said in principle they are willing to give cash back, but so few customers pay in cash that they often cannot share their (presumably electronic) tips with the kitchen staff. Their problem (as I see it) is they gave no incentive to pay with cash.
Cash has its benefits, I never said otherwise. But said benefits are for the individuals. Shops use it as an excuse to avoid paying taxes, and pricing differently is not noble at all.
You mention tipping, well good thing this is Europe then, where many places already did away with this stupid custom. Covid relief packages for restaurants in France were based on declared income. I'll let you guess why some owners complained they did not get enough help during the crisis.
I don't like that we have not found (or even looked for) a compromise in terms of privacy and safety between cash and cards, but I won't feel bad for hypocrites profiting from my tax money without giving their own share. 99% of people in Europe have never even had 3k worth of cash in their hands anyway
Nonsense. The benefits are for both sides of the transaction. I just listed several benefits to merchants - how did you miss that? If cash did not benefit merchants, there would be no reason for cash acceptance.
Not necessarily.
Of course it’s noble. They are proactively supporting the ethical side of the #warOnCash. The few businesses that offer cash discounts are practicing the ethical duty to protect cash by encouraging people to carry it and use it.
The example I gave of the waitress refusing cash back (because she needed it to tip the kitchen staff) was in Netherlands.
Tipping is actually increasing in Europe and it’s because of electronic payment that it’s happening. The payment terminals are coded to prompt payers to choose how much they would like to tip. So in Netherlands, you have a wait staff standing there in front of customers as they face this prompt. And the prompt is coded for US norms (10%, 15%, 20%). Customers feel awkward about refusing that prompt in front of the waitstaff, and of course the high percentages effectively mislead customers in Europe about local customs. In fact I have never seen a payment terminal in European restaurants that is coded for local norms (tipping €1 or €2 flat). They are always coded for US customs when they support tipping at all.
This swindle is not accidental. European restaurant owners are installing these kinds of terminals deliberately to stimulate high tip revenue so they have less pressure to pay high wages. The swindle would not be possible in a cash-based scenario.
I’m not sure I’ve seen a payment terminal where you can freely enter a tip amount. But certainly with cash, payers have full control and autonomy, as they should.
That’s fair enough. What’s your complaint?
You should feel guilty for the bogus assumption that everyone is a tax evader and then advocating for collateral damage to the people who are helping the fight against forced banking.