Being in Japan I'm very relieved how smoothly cash is still handled. Cash exchange machines are common (almost extinct in Sweden), and you can still pay with cash on the bus. In Stockholm the bus/train not only stopped accepting cash, they don't even take credit cards. You need either a prepaid ticket (which of course visitors usually don't have) or download a bloated smartphone app with included spyware to buy the bloody thing (which again foreigners might not have). This means if you live in the outskirts and your prepaid ticket or commuter pass has been used up/expired, you will have to plead to the bus driver let you go to the station so you can buy another frikkin ticket. Sometimes the bus driver don't let you, and then you are f***ed. Their defence is that they are afraid of robbers so they can't handle cash anymore (no explanation why they can't handle credit cards). SL are just a bunch of pussies all of them.
When I was a kid banks used to have a coin machine that you emptied your piggy bank in. But now they don't anymore. What good is a bank that doesn't even want money?
Yes this the main reason I'm against making internet services the only option. I'm all for internet services where it makes sense, I pay all my bills on the internet in Sweden while in Japan I have to use up my free time whenever I need to do something bureaucracy-related. But when they cancel offline services so that you always depends on a working internet at all times (for not mentioning cutting off elder people not comfortable using a computer or smartphone), you are going too far. Sweden is very good at this (making more online services available) but also very bad at it (going too far sometimes).tepples wrote: Friction when setting up accounts
Someone cannot use Internet services at home to set up Internet services at home for the first time.
I don't remember having an ID was ever a problem in Sweden as you could always get a passport (which isn't very expensive) until you are old enough to get a driver's license. But getting a credit card usually requires you to be 18 years old. It was no problem when I was a kid because, the cashless society just didn't exist back then. I have no idea how it is being a kid nowdays.tepples wrote: Inability for minors and recent secondary graduates to participate in the economy
Banks require the primary holder of an account to be an adult and show government ID. This means that a parent must do all of a child's spending on the child's behalf. In addition, a recent graduate from high school may not already have government ID. Someone not interested in learning to drive or whose parents don't drive may have little opportunity to obtain an ID, as some countries do not issue non-driver IDs for domestic use. Though U.S. states issue non-driver IDs, conversation with a British citizen in the Cireclinlin chat server on Discord revealed that Britain issues only driver's licenses and passports, and a passport is expensive.
A law that prevents sellers from taking transaction fees was made in Sweden. In fact I think that the cashless society took off around this time. Probably things became smoother for the seller as well during this time, or else the cashless society wouldn't work at all.tepples wrote: Friction when accepting payments
Cashless payments require a connection to the Internet. This usually requires the buyer to own and carry an Internet-connected device unless the seller has a chip card reader. In addition, either the seller or buyer must subscribe to Internet access, and even if a buyer subscribes to home Internet, a buyer must often open a second subscription with a cellular ISP in order to make payments away from home. Card payment processors tend to take a 30 cent transaction fee plus 3 percent of the total, raising prices for everyone and making small transactions impractical; hence a $5 minimum purchase at some merchants. Furthermore, banks and payment facilitators tend to make person-to-person remittances more difficult than with established merchants. Ostensibly this is to curb tax fraud and terrorism financing. But it interferes with birthday or Christmas gifts, a child's allowance, or payment for occasional odd jobs that are not large or often enough to justify the annual fee for a full-scale merchant account.