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> Lastly, we won’t allow ourselves to be audited without our knowledge by the IRS by using a cloud-based personal finance app that could be subpoenaed behind our backs if they continue pushing for new powers.

https://www.simplybusiness.co.uk/knowledge/articles/2020/08/... : under some circumstances HMRC can access your banking information without telling you.

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Wow, didn't know that - but I guess it supports my point, that all Western governments are moving in the same direction!

Driven to a great extent by the US (they made Switzerland, the last bastion of secret Nazi gold, hand over information on bank accounts of US nationals). But no government is going to tolerate large amounts of money disappearing beyond the visibility of taxation. And if you like public services, they have to be paid for like this.

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