i use it everyday. right now UPI is mandated to be mobile phone based, it has to keep the registered SIM card at all times, you cannot change your phone, cannot have a single account on muliple places, you dont have account portability but those are all technical issues.
Because of an actual recession, the government is finding new ways of collecting taxes, recently they put GST or a tax on paid public toilets. So, everytime you pay to use a paid toilet, you are giving 18% tax on that transaction. That is the level of "tax hounding" the government has resorted to.
i fully agree with the author here, i would even suggest, all the private players like google pay/phone pe who have their own apps built on top of UPI network should be made to pay-to-play because they are definitely earning because of cross-selling/upselling/advertising.
google/amazon wants to float a new UPI app, heck even trucaller has one so why should they not have an interest free bank deposit to pay for the infrastructure. they would continue to earn by up selling etc anyways and the network would continue to get funds to run.