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@zdl @catileptic ... Vimes' Boot Theory (from Pratchett) in real life: trivial for the sufficiently privileged, and yet another unnecessary hurdle for those who are not.

The worst part IMHO is that the hurdle of "sufficient privilege" here is so low, it really only hits those folk hard who already have next to nothing, so it becomes largely invisible to the majority of folk.

I'm very, very adamant that cash *must* stay, even if I don't particularly want to use it most days.