pull down to refresh

I would not sign this. Germans love payback engagements.
If their are benefits like any dump points at the supermarket cashier for getting some dishes from WMF cheaper... The Germans will use it

some territories are moderated

Yes, they could incentivize it with cashback... subsidized by taxes (or money printing).

reply

Well, that's interesting, they can also make a promotion - like convert your bank account to cbdc and receive an extra 100 EUR :)

reply

Well, could be, who wouldn't want extra points on their payback app 😁

reply

Germans also love complying and following rules.

reply