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One thing that's happened over the last 10 years or so is the decline of restaurants' offering coat-checking.  We had debates about this here a long time ago.  Me, I like being able to check my things

Adrian, it’s easier than opening a bank account.   I think once it’s accepted that we’re only talking about people so far off the grid that they can’t even get an over the counter debit card the as

No charge if you're someone like you.   Do you think someone could come in with no income, no assets, maybe not even a street address, and get an account with a free debit card?  What would there be

 

I once booked a hotel across the road from our Santa Clara office only to find out you need to walk a mile to cross the highway and there's no sidewalk... Ended up taking a cab every day.

 

that's ridiculous and funny, after the fact. 

 

 

Nobody Walks in L.A.  Santa Clara.

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I'm in total agreement with you - I fucking hate it. Cashless Retailers Prohibition Act of 2018

https://www.restaurantbusinessonline.com/technology/cash-losing-clout-bitcoin-brain-whats-state-payment

 

 

Me too, for all of the reasons both of you said.  I wish a similar act was proposed here, but highly doubtful since the SF/Silicon Valley people are the ones who started this.

 

Side note: when N first came to the US, she had a lot of difficulty getting a credit card (she'd never had one in South Africa) and it took her a number of years before she was able to build up the credit to get one.  So it's not great for recent immigrants too.

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When our son went away to school, we had him set up a secured credit card.   Not quite a debit card, you can charge up to the amount you have put on deposit which won't be debited so long as you pay your monthly bill.    Convenient and teaches paying off debt currently.

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What if you don’t have an income (much less parents like voyager)? Some poor person is supposed to arrange for $10 pre-paid debit card (if there is such a thing) so he can buy a fast food fried chicken sandwich?

Let them eat cake!

 

I still see, every month at our local post branch, people lined up to buy money orders with which to pay various bills. So yes, cash is still important to a lot of people.

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That sounds infuriating, but honestly it’s really easy for anyone with any income to get a debit card, even it’s a prepaid one (Pay-o-Matic, for example), so I’m not sure who is disadvantaged by this.

 

Shoot me.

 

Don't these charge fees? 

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Actually no fees on debit cards at all. And when you purchase gasoline you're not charged the credit card price.

 

New thing on Staten Island and probably will spread into the other boroughs (if it hasn't already) - discount for cash at restaurants and grocery stores (averaging about 4%).

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Breakage as well. But a lot of them charge bullshit little fees for things

 

In NYS at least in theory there is a free no cost checking account with some limited free debit transactions so long as you have some direct deposit going into it including government transfers.

 

However the odds someone offers you that when you try to open an account are not great.

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