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> A bit hostile towards merchants, but very nice for consumers imo.

It's nice for consumers who prefer to pay by card. It's hostile towards consumers who prefer to pay in cash.

Call me close minded but i see cash as an archaic, strictly inferior way of managing money. But to each their own.

I spend primarily on credit cards but I still think it’s important to preserve the ability to transact without the government knowing. Privacy is best preserved when data is not created at all, rather than when data is protected by law.

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