well, and what if I can receive a part of my salary on a special "restaurant" debit card, and I do not pay income tax for this part of salary? So my choices are:
  • pay less tax, deprive the state of some money, but forced to pay by card
  • pay in cash (even in restaurants) but only after this money is taxed by income tax
Perhaps such "restaurant" debit card can be seen as proto-CBDC - it is already limited, I can only spend it in restaurants.
Wonder if real CBDCs will be similarly incentivised. Overlords can then say they are not banning cash, they would never think about doing it. Yet everybody will prefer CBDCs because of those incentives, so in a year or two, the overlords will say how nobody except criminals uses cash, let's ban it.
Interesting observation.
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