Consumer Group Says Folks Who Rely On Cash Are “Being Cut Adrift”

The consumer group Which? has claimed that bank closures and the disappearance of ATM machines means people are at risk of “being cut adrift and at risk of “financial exclusion.”

Which? has written a letter to the Treasury to ask for urgent action on the issue.

According to the BBC:

Its analysis suggests that branches have been shutting at a faster rate in rural areas than in urban ones.

Which? has joined up with other consumer and business groups to call on the government to legislate soon on protecting access to cash.

The Treasury said it recognises cash remains “vital” to millions of people.

The consumer group wrote a letter to the Treasury on Monday calling for urgent action.

“With rising living costs placing additional pressure on people’s personal finances, the consequences of being unable to withdraw cash for those consumers who already rely on it could be significant,” it said.

“Unless legislation is introduced urgently, the ability to access, spend and deposit cash could be permanently lost for many consumers, leaving some of society’s most disadvantaged at risk of financial exclusion with no way to pay for the goods and services they need in their daily lives.”

It’s one of the most pressing issues facing humanity.

I must repeat it. When cash goes, freedom is gone forever.

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I have seen plenty of people (usually young people) online welcoming the idea of a cashless society, because things would be far more convenient that way.
‘Convenient’, like ‘safe’ should be taught to kids as two words that should ring loud alarm bells in their minds.

So we go cashless, which means access to income and resources can only be achieved through a smartphone or computer. But I already know quite a few people who either don’t have a computer, or don’t have a landline (and sometimes both). If you lose the smartphone, or it breaks, and you have no alternative, how would you go about purchasing a replacement?
It’s such a simple scenario, yet I get the impression that those youngsters in favour of cashless haven’t factored it in.

The risk then becomes that people start treating these gadgets with more respect than they would treat people.
And there are already signs of this happening.


That’s nonsense, nobody depends entirely on a smartphone for access to their money.


When out and about a friend of mine pays for everything through his smartphone, and when at home does online shopping through his computer.

But I’ve also known young people who do not have a computer or a landline, and do pay for most things – even takeaways – via their phones.

There is nothing nonsense about what I wrote.


It could be argued that all change requires some kind of sacrifice.
Oddly enough, the people who are most likely to use that excuse are usually the ones not making the sacrifice.


I was told all change evolves around the unreasonable man, just saying and “The Only Constant in Life Is Change.”- Heraclitus


While it is true that change is a constant, natural change tends toward small incremental changes (with a few cataclysmic exceptions).
But man made revolutions involve rapid changes that tend to disproportionately, and negatively, effect everyone with set behaviour patterns.


I agree mostly with what you say and I don’t really buy into my own statement I was just being a bit flippant plus I would argue that the statement I made is actually not correct. I actually think that infinity doesn’t change ever and never ends, theoretically. Thanks.


Nothing wrong with a counter argument, even if it’s one you don’t actually support.

Robert Klinck

So are you suggesting that all change is inevitable? Dialectical thinking, which has been inculcated via ‘educational’ institutions for decades, holds that ‘progressive’ change comes about via conflict. Thus, we have witnessed the artificial creation of the binary society, in which every issue has only two sides and if you get on the ‘wrong’ one you will be ostracized and punished. This is a total departure from the concept that all life is a personal learning process in which humility and forgiveness play essential parts.


I am suggesting all change evolves around people who don’t want what is but want different and that they are usually unreasonable but we really do live in a duality, every side really dose have it’s own story but it is crushed by monopoly, dictatorship, single, government, any means. We live in system of entropy, an expanding mass that progressively becomes weaker and weaker through conflict depleting it’s dynamism. To be honest I think you are addressing Craig not Nev


Yes, the NHS and council housing as well as many other nationalised industries where all created to dis-empower people so it wouldn’t be in anyone’s interest to form housing or medical health groups or co-op’s independently to help themselves as they would lead up to self determination. Now look at the situation, dependency all the way to everything nowadays. The only way to freedom is to do it ourselves but the past 80 to 100 years has been spent creating as much dependency as possible so we are dis-empowered and disenfranchised as well as being addicted to the nanny state.

There is a very simple reason why people don’t understand money and it is mainly because anything can be used as money. It costs next to nothing to make, only production costs which can easily be recouped because the profits are astronomical if handed to private for profit bankers like it always is. Money is just an accounting system, just counters to count how many you have that is all it is. When handed to private for profit bankers the cost of everything becomes astronomical. As there is always enough for need but never enough for greed. There are plenty of accounting systems that can benefit the users so long as they are not given over to profiteering.

According to Jeremy Rifkin, in The Third Industrial Revolution, film, 64 human beings own more than half of the worlds accumulated wealth, the wealth of at least 4 billion of the worlds population are outmatched financially by only 64 others. Those 64 human beings must also, one way or another, employ at least half of the population. If “It is difficult to get a man to understand something, when his salary depends on his not understanding it.” Upton Sinclair. Then that must mean the salary is mightier than the truth and most of the population is dependent on a salary. It must also mean that only 64 human beings are above everything, including the law because the salary is mightier than the truth.

If you look at history you will find that wealth creation is based on debt based economy’s and those same economy’s always fail. In the same token they are always used, even when knowing they always fail, with thousands of years of practice. The salary is mightier than the truth. “It’s a big club and your not in it” George Carlin , except it’s a small club and nobody’s in it, only 64 human beings. These 64 human beings must be the most racist people that ever existed or are they even human?

This is another problem I am going to tell you about, Digital Currency is Digital currency but decentralised block-chain is not digital currency, it is not even close. Decentralised block-chain is a mechanism that ensures cheating opportunities are extremely difficult it is not a currency but security that can be used as currency because it is extremely difficult to cheat when it is decentralised. That is the real problem for the rich and powerful they cannot allow a system so powerful that it eliminates the existence of cheating because it makes them accountable in a system where they can’t continue cheating.

I think people need to understand what decentralised block-chain really is and stop thinking it is digital currency when it is patently not. The power of decentralisation is astronomical when placed into a block-chain but to be honest human beings are not capable of understanding because they are just dumb down animals it seems. There is a reason why people don’t understand money just like there is the same reason why people don’t understand the implications of decentralised block-chain security and it is because they are being cheated. The system is rigged for 64 so called human beings and it’s called monopoly. According to all reputable thinkers, monopoly’s are negative, destructive and none productive so make every situation worse not better. Anything close to decentralisation has never been possible until now because people cannot be trusted any of them.

“Power tends to corrupt and absolute power corrupts absolutely. Great men are almost always bad men, even when they exercise influence and not authority: still more when you superadd the tendency or the certainty of corruption by authority.”

“And remember, where you have a concentration of power in a few hands, all too frequently men with the mentality of gangsters get control. History has proven that.”

“The danger is not that a particular class is unfit to govern: every class is unfit to govern.”

“The issue which has swept down the centuries and which will have to be fought sooner or later is the people versus the banks.” Lord Acton


Very well explained. Cash is fine as long as it is used purely as a means of exchange but human greed and lust for power stops this world from being the wonderful experience it could be.


Thanks, but that’s the point, it is never used purely as a means of exchange, it is always as a means of control to destroy competition as a means of monopoly.

It makes you wonder what all the crap about “protecting the elderly” during covid was about. The plan to send so many to care homes to die from the ‘disease’ didn’t work out so now they are trying to freeze them, starve them and take away the one constant in so many decades of life, cash. I think the current hint of Avian flu is being lined up as the next big threat to humankind and is gradually being ramped up. No doubt the jabs used for all variants of covid will, miraculously, be suitable for Avian flu also. Plus they can they say it’s passed to dogs and cats so how long will it be before they demand a cull of all peoples ‘furries’. I think that would be the straw that breaks the camels back.

For well over a decade (since 2008 if memory serves), gain of function research has been combining avian flu with human flu so that it can cross the species barrier and pose a significant threat to humans who have no natural immunity to avian flu. This research has caused quite a lot of consternation among the science ‘community’, but that has not stopped it.
And which organisation has been at the forefront of funding this research?
The Bill and Melinda Gates Foundation.


Yip, I have just been told that the wild birds are not going to be fed anymore because of bird flu, I don’t believe a word of it, they are provable liars and people are dumb animals even if they seem to be intelligent. Gain of function research always equals ill health for humans eventually that’s the point, man made illness, except this time it is to reduce the food supply for the big human cull. Soon your training in loneliness will be a big advantage, sadly and man boob, pot belly, Billy-Goat Gates must be rubbing his hands waiting for his short bet on Tesla to reach dividend when there are no people to buy them.


Oh, there will be plenty of people left, but they won’t be buying Teslas (or much of anything else). They’ll be renting them, and because it will be a rental based system the products will be almost constantly new.
Such a system is most definitely not good for the planet, but it does guarantee sustainability. Sustainable profit and sustainable control.
Everything else is, in my opinion, a smokescreen.


its all been little by little, from debit and credit cards, phone payments like apple pay, bitcoin and disappearing bank branches and cash machines etc etc all designed to slowly eradicate cash. I fear we are and have been on a downward spiral for a while now and it seems to be getting worse.

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