In addition, a digital economy would afford customers added convenience, while at the same time saving money for businesses. Making purchases with electronic currency would be simple, fast, and secure. There would be no need to carry cash and no need for cashiers to collect it. A good example of the convenience and savings afforded by such a system is the pay and go gasoline pump used at many service stations today. Using these pumps saves time for the customer and saves money for the business.
A third benefit of such a system is its potential to eliminate illegal monetary transactions. Traffickers of illegal arms and drugs, dealers in black-market contraband, and counterfeiters all rely on tangible currency to conduct their activities. By eliminating hard currency, illegal transactions such as these would be much easier to track and record. As a result, illegal monetary transactions could be virtually eliminated. A related benefit would be the ability to thwart tax evasion by collecting tax revenues on transactions that otherwise would not be recorded.
To sum up, I think it would be a good idea to convert current monetary systems into a system of electronic accounts. The economic benefits, convenience and savings afforded by such a system, along with the potential to reduce crime, far outweigh the remote loss of a significant social or political shift toward totalitarianism.
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