And the idea would be to have something even my grandma can use, not some nerdy solution, any thoughts?
Use cash
this post was submitted on 27 Mar 2025
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A sensible stopgap solution, but doesn't really work for big purchases or online shopping.
For big purchases it doesn't, indeed. But for online shopping, would it work if you select payment on delivery at checkout, maybe?
In Italy we use satispay
Isnโt PagoBANCOMAT a good solution too?
Bitcoin uses way to much energy to use as currency like that. gridcoin or any other one that uses proof of stake would be better if accepted but its a bit nicer if the energy put into it results in a useful product which gridcoin does.
How does production of physical cash and movement of money between accounts compare to crypto?
creation of physical cash's cost are not inflated and get changed based on cost and necessity. Using cheaper materials to reduce cost but adding advanced elements which increase cost. Again though it does not have an artificial inflation mechanic causing it to use more energy over time and is just based on method and materials. A big thing in this is how long it functions. coins cost more than paper mostly but one thing people don't take into account is how long they last versus paper. So you typically see things about a penny costing more than a penny but whats not taken into account is that it is least lasting coin at 25 years while most paper under 50s last less than 10 years but longer lasting denominations are usually used less. It comes down to how much value physical money gets in its lifetime vs its cost to make. So you add up every transaction and average out the value for a particular currency type. Movement is done in the real world so its a bit apples to oranges. It does not require anything necessarily. If all computers and electricity. So its going to vary greatly if I give my brother a fiver for grabbing his oj than if I go deposit it at a bank to if I buy from a retalier to if I foolishly mailed it directly. I don't think physical money can be compared to much of any electronic equivalents honestly. That is in the realm of folks that believe in cashless system to ones who want some ability to have the physical ability.
Have you looked into American Express?
oh shit, nevermind.
Clearly Discover is the solution. Oh wait, that's not an option either.
Discover network is up for sale. Capital One is trying to grab it. But if that doesnโt go through, a Canadian or European bank could try bidding for it.
If you donโt need a credit card, donโt get one.
If you have one, cancel it and use a bank card. If you canโt do that, pay off your debts then do that.
A lot of people suck with money because the idea of going into debt, taking loans, and paying interest is normal and sometimes good to them but really Itโs weird and should be avoided for the sake of harmony.
itโs not about credit cards at all debit cards are also made by visa and mastercard
my point is: everytime you pay with something else than cash, you give money to the USA (arround 2% of your purchase)
Huh. As an American I think you mean give money to billionaires because I donโt see shit from your 2% personally besides douchebags flexing.
Visa employs about 15,000 people in the US. MasterCard presumably similar.
MasterCard pays about $150m in corporation taxes in the US each year. Visa presumably similar.
These are the benefits that these companies bring to the US.
With Trump in office a lot of taxes go back to billionaires.
Yep they take all the cake for themself!
China has UnionPay, Japan has JCB, Russia has MIR. Europe should have its own credit card network
"EUROCARD"
Sounds nice as well
Make it blue with stars on it and the globe displaying a space picture of earth with europe
Just use cash.
I get that it can be a hassle to carry around, but it's the only "real" alternative if you want to keep third party companies from profiling you based on your spending habits and selling that personal info to advertisers.
That's not an option for a lot of countries that are going cashless. In Netherlands (we have our own payment service) a lot of merchants are cashless.
In store transactions via nfc and card almost always involves US companies (mainly Visa, Mastercard, Apple Pay, Google Pay), all Dutch banks gave up on their own NFC interface. Online is a different story luckily for us.
"Going cashless" is a scam designed to rake in payment processing fees from an entire economy. Cash is the enemy to these companies because it's a form of payment they can't profit from.
If it isn't an option, then you should refuse to do business as much as possible. Take your money out of their hands.
Good thing iDEAL payment system is part of EU payment initiative and has some of the lowest fees you'll see in the world. Grocery stores for example will refuse Credit Cards from Visa and Mastercard, but they'll take iDEAL payment in the Netherlands. Netherlands is not the United States.
I'm not saying it isn't possible for some places that aren't the USA to set up a publicly owned payment processing network that both costs and sucks less, but the privacy risks are inherent to the technology.
Cashless is also a way to stop black market
No it isn't, it just drives black marketeers to other forms of currency.
hmm you're right
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