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Under Pressure, Amazon Plans To Accept Cash at Cashierless 'Go' Stores (cnn.com)

Bowing to growing pressure from opponents who say that cashless stores leave out low-income Americans, Amazon plans to take cash at its 10 cashierless "Go" stores. From a report: Amazon Go stores, located in San Francisco, Chicago and Seattle, use AI and cameras to check out customers. Amazon reportedly is considering opening up to to 3,000 by 2021. "We are working to accept cash," a spokesperson for Amazon said Wednesday. "Paying cash at Amazon Go will work as you would expect: you'll check out, pay with cash, and then get your change." Amazon did not say when Go stores will begin accepting cash. Amazon also said its bookstores will start taking cash, but did not share any details.

Steve Kessel, Amazon's senior vice president of physical stores, told employees last month that Go stores would add "additional payment mechanisms," CNBC reported earlier on Wednesday. Kessel was responding to a question about how Amazon plans to address "discrimination and elitism" at cashierless stores, according to the report.
Further reading: As More Retailers Ban Paper Money, It's Making Things Awkward For Customers Without Plastic.

171 comments

  1. Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

    They are like the dumb kids in school. They ruin the pace for everyone else.

    1. Re:Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

      You are the dumb one here.

    2. Re:Low-income Americans are holding us back. by b0s0z0ku · · Score: 5, Insightful

      Low-income Americans and illegal immigrants keep the good, old-fashioned, cold, hard cash economy rolling along. We should bow down, kiss their feet, and thank them for preserving payment options that are private and not subject to bankster tracking.

    3. Re: Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

      Fuck that. We should harvest their organs and water and build a spiky border wall out of their splintered, bleached bones.

    4. Re:Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

      Hey! I utilize cash primarily and crypto currencies. Though admittedly I do have a few credit cards and quite a few debit cards for personal and business accounts. Though I try not to utilize them. Admittedly it's kinda challenging given so many places still don't take crypto currencies online. However even here I still frequently find myself shopping with crypto-accepting merchants.

    5. Re: Low-income Americans are holding us back. by Anonymous Coward · · Score: 0, Interesting

      I still frequently find myself shopping with crypto-accepting merchants

      Most of us don't shop for drugs, stolen credit cards, or child porn, so cryptocurrency is rather worthless to us.

    6. Re:Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

      And the blacks. Because they have bad credit and can't get checking accounts.

    7. Re: Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

      This but unironically.

    8. Re: Low-income Americans are holding us back. by stealth_finger · · Score: 1

      Most of us don't shop for drugs ... so cryptocurrency is rather worthless to us.

      My drugs guy has a strict cash only policy.

      --
      Wanna buy a shirt?
      https://www.redbubble.com/people/stealthfinger/shop?asc=u
    9. Re: Low-income Americans are holding us back. by Type44Q · · Score: 1

      We should harvest their... water

      Hey, Genius: most of us prefer that our showers not be golden.

    10. Re: Low-income Americans are holding us back. by Type44Q · · Score: 1
      "Most of us aren't undercover Feds who buy drugs, stolen credit cards, or child porn [from each other], so cryptocurrency is rather worthless to us."

      FTFY.

    11. Re:Low-income Americans are holding us back. by Anonymous Coward · · Score: 0

      +1 Undiluted Truth
      Not all ACs are idiots.

  2. Prevasive tracking by sinij · · Score: 5, Interesting

    This is not about low-income, rather about keeping alternative to payment processors widely accepted and available.

    Just consider the power VISA would have if there was no ready alternatives to paying with VISA. Without alternatives they would have an effective power to implement VAT-like tax on everyone worldwide. At least for now, ability to pay with cash keep them in check - if they get too greedy merchants would stop accepting plastic.

    1. Re:Prevasive tracking by Anonymous Coward · · Score: 1

      If Visa (or MasterCard for that matter) become too greedy, merchants will simply only accept bank cards (as many already do). A credit card transaction can cost upwards of 2%. Bank card transactions are almost free these days (and have always been cheaper than credit cards).

    2. Re:Prevasive tracking by Cyberax · · Score: 1

      VAT is paid by merchants. It's just a form of the sales tax and it works just fine with cash.

    3. Re:Prevasive tracking by Ranbot · · Score: 1

      I agree with the "pervasive tracking" sentiment but not for the same reason... I suspect Amazon doesn't like that it's harder to track cash-paying customers and any products they buy, touch or even pause near in the store... That sort of data on individual buying behavior is invaluable... especially if they connect individual in-store purchasing habits to their online purchasing habits.

      Also, I don't believe any excuses that technology to accept and dispense cash automatically is not ready. Most grocery stores around me have self-checkouts that accept cash and dispense change. I've used them and they work well. Lots of vending machines can handle bills and change too. Heck, even some local gas station convenience stores (Wawa) have automatic change dispensers at the [staffed] cashier counter just to speed up check-out. If Amazon doesn't want to use the same systems, they probably have reasons they don't want to discuss openly...

    4. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      That really depends on how one pays. Bank cards generally have a visa/master card logo on them and if you don't enter a PIN (I never do) for a transaction with my bank card then it goes through the visa/master card network and they get a 3% cut from the merchant. Keep in mind I try to avoid paying with plastic. I prefer crypto currencies and cash to plastic for privacy reasons even where the major crypto currencies currently are in some sense less privacy friendly. We won't see better privacy solutions adopted if people continue to use credit cards. Even crypto currencies that are not private put the user in control and no government nor the banking industry can shut you out.

    5. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      I have never seen a normal bank card with a Visa or MasterCard logo. Are you sure you are not confusing it with a credit card?

    6. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      Amex and Diners Club merchant fees are extortion compared to Visa's, yet many merchants still accept them. Merchants will accept any payment methods that still allow them to make a profit while labelling it "customer choice."

    7. Re:Prevasive tracking by sexconker · · Score: 1

      I have never seen a "bank card" without the Visa or MasterCard logo. In America, a "bank card" is a "debit card". You have to fight tooth and nail to get a "bank card" that isn't a debit card, and in many cases they're incapable of providing such a thing.

    8. Re:Prevasive tracking by PrimaryConsult · · Score: 3, Interesting

      Japan did it right. For various reasons they were very, very slow to accept credit cards. It is not uncommon for people to spend the equivalent of several thousand USD in cash for large purchases. When convenience was desired for small purchases, prepaid cards came into the picture that had nothing to do with credit cards and could be refilled for cash at kiosks located in department stores, train stations, hotels, etc. They can be anonymous or registered with a protected balance, are tied to rewards programs, etc. The end result was the big credit card companies had to beg merchants to accept their cards, and you're still much more likely to find EDY or a transit pass accepted at a merchant or vending machine than you will a credit card.

    9. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      Wrong. VAT is paid by the end user. Merchants do not effectively pay VAT because it is recovered when they perform a sale.

    10. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      "May I have an ATM card that isn't a debit card?"... "ok, no problem".... Tooth and nail indeed.

    11. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      Anyone selling goods or services in the U.S. should have no choice! Cash should HAVE to be accepted in payment for anything and everything that is purchased pr paid for!

    12. Re: Prevasive tracking by Anonymous Coward · · Score: 0

      I'm not sure where parent poster is from but in Canada it's very common recently to have bank/debit cards that have Visa especially built-in to the card too so that it can act as a regular bank/debit card or it can act like a credit card but the funds just come out of your bank balance anyway.

      There are some benefits to this such as if you are traveling abroad you can pay via debit/bank but it acts like a credit card which is easier for stores worldwide to accept. Another is that regardless whether you hit "debit transaction" or "credit card" the purchase will go through either way and not charge *you* anything differently because the funds just come out of your bank balance.

    13. Re:Prevasive tracking by thegarbz · · Score: 1

      Just consider the power VISA would have if there was no ready alternatives to paying with VISA.

      I do wonder what stretch of the imagination converts cashless to mean VISA, or even single company, or even single technology for that matter.

    14. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      That's what my credit union gave me for my savings 2 months ago. No visa or mastercard logo, doesn't work online but works in stores around town. ...I don't use it though, just fyi.

    15. Re: Prevasive tracking by Anonymous Coward · · Score: 0

      I am convinced the Japanese are the smartest people on the planet. As much as we mostly talk about the nazis in world war 2, japan was just as much a likely nation to dominate the world as German or the British/US alliance (which is what happened). In some ways itâ(TM)s too bad. Although, I guess Iâ(TM)m glad I donâ(TM)t have to work 12 hr days just to keep up appearances.

    16. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      If you pay via debt then it's being used as a bank card. If you use it as a credit card then it goes through whatever provider is listed on the card.
      A huge problem here is you have to put your pin in to charge debt. If someone skims your card and pin they can drain your checking account easily, and the bank won't give you your money back. The biggest service credit card providers in the US provide is absolute protection from fraud. If you didn't make a charge, you don't pay for it.

      This could be solved with chip+pin on the debt card, but that's not supported in the US. I'm pretty sure card companies prevented it from happening just so they could remain relevant by claiming without them you're vulnerable to fraud. Inmates running the prison and all that. The bastards.

    17. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      What's your location? In the U.S, all my bank cards (debit cards) have had a Visa or MasterCard logo for at least a decade. Granted, it's a limited sample set; I've only had cards from two institutions over that period.

      That being said, I don't recall getting a card and saying "How odd, there's a Visa logo here".

    18. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      I'm in The Netherlands. Bank cards here tend to have only Maestro logos these days. In the past, they also had an EC logo.

      Do these bank cards with a MasterCard or Visa logo in the US also have a credit card number?

    19. Re:Prevasive tracking by Anonymous Coward · · Score: 0

      So a bank in the US does not normally offer its customers a card that allows direct payments and cash withdrawal without? This does explain why credit cards are so popular over there.

    20. Re:Prevasive tracking by Cyberax · · Score: 1

      Dude, I spent a lot of time filling out tax forms for VAT. Merchants do NOT recover VAT during sales, they "recover" it when they make _purchases_.

  3. Sorry by Anonymous Coward · · Score: 0

    Not interested in an AI tracking store.

    Thank you.

    1. Re: Sorry by Anonymous Coward · · Score: 0

      Me neither. Like a million other things.

  4. Legal tender by Anonymous Coward · · Score: 0

    for all debt's public and private.

    End of.

    1. Re:Legal tender by Anonymous Coward · · Score: 1, Informative

      illegal use of apostrophe
      plurals don't use a fucking apostrophe
      end of

    2. Re:Legal tender by Chris+Mattern · · Score: 1

      for all debt's public and private.

      End of.

      Common argument, doesn't work. If you don't agree to pay credit, the store refuses to sell to you. Store refuses to sell to you (and a store can always refuse to sell to you, unless you can show illegal discrimination), there's no debt, so no use pointing to the "all debts" words on your cash.

    3. Re:Legal tender by Anonymous Coward · · Score: 0

      Actually, it is already technically illegal for a store to refuse to take cash. Notice I said technically.

      That being said, some places are making it outright illegal to do so. Like Philly.

    4. Re:Legal tender by AvitarX · · Score: 1

      Sure, that argument works if you have a contract (for example at a restaurant), it doesn't really work at typical retail store where they can just say "nope, we're not selling you the stuff".

      Legally it has been deemed to mean court judgments (private) and taxes/fines/etc (public).

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    5. Re:Legal tender by sexconker · · Score: 1

      (and a store can always refuse to sell to you, unless you can show illegal discrimination)

      Refusing to accept cash would disproportionately affect a certain protected class in the area. Therefore even though it's completely fair, makes no determination based on a protected class, etc., it's still illegal. See building codes in the death trap tinder boxes in San Francisco.

    6. Re:Legal tender by Chris+Mattern · · Score: 1

      Refusing to accept cash would disproportionately affect a certain protected class in the area.

      That is not, in and of itself, illegal. In such cases, the store has to show that a) the policy is not directly targetted at the protected class (which it clearly is not) and b) there is a legitimate business reason for the policy (which they'd have to convince a court of).

    7. Re: Legal tender by Anonymous Coward · · Score: 0

      The constitution also says that congress has the sole authority and responsibility to issue the money, and weâ(TM)ve been ignoring that since my great grandfathers time. Why would you think the rules matter at all? The private bankers make the money and the private bankers make the rules. What are you going to do? Fight them with your impotent, 10-round semiauto rifle? They have sound weapons for gods sake. Keep your rights or be a slave. I was born a slave, as were you, sadly.

  5. The "low-income" excuse by geekmux · · Score: 4, Insightful

    When a 16-year old with no more than a side gig cutting laws can obtain a free checking and savings account, to include the debit/credit card, can someone please explain this "low-income" excuse?

    Perhaps instead of "low-income" you call it what it is; Citizens wanting to hide their legal status by being paid under every proverbial table.

    Yeah, I like semi-anonymous transactions and privacy too, but they're not doing this for "high-privacy" Americans...

    1. Re:The "low-income" excuse by sinij · · Score: 1, Interesting

      Do you understand why "if you have nothing to hide..." argument is flawed? Well, your "Paid under every proverbial table." is exactly the same.

    2. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      N1ggers of american n1ggerstan demand to know your name and where you live. Also, they need to know why you refuse to pay your social justice tax.

    3. Re:The "low-income" excuse by misexistentialist · · Score: 1

      same reason for claiming ID can't be required to vote, which makes me wonder if that's what this is really about...

    4. Re:The "low-income" excuse by b0s0z0ku · · Score: 2

      Well, if it has the side effect of preserving privacy, that's a benefit. Besides, a lot of tax money is being wasted on military murder sprees and mass incarceration. Who gives a fuck if DC gets a few shekels less?

    5. Re: The "low-income" excuse by Anonymous Coward · · Score: 0

      LOL!

    6. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      >When a 16-year old with no more than a side gig cutting laws can obtain a free checking and savings account, to include the debit/credit card, can someone please explain this "low-income" excuse?

      Uh....

      Minimum balance to have a free checking account with debit and credit card is either a minimum of $5000 cash in the account, otherwise it's $31 per month. Without a credit card drops down to $16/month, or a $4000 minimum balance. If you're disciplined and careful to limit the number of transactions per month to less then 12then the price drops to $5 per month or $2000 minimum balance. If you're a full time student or under 18, then you can have those fees waived.

      These are the best rates that I'm aware of for banking here. Other places are either more expensive for less, or less expensive but come with some pretty significant drawbacks.

      I can sorta understand where you're coming from with the 16 year old but what about a 22 year coming out old prison with no assets?

    7. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      same reason for claiming ID can't be required to vote, which makes me wonder if that's what this is really about...

      Probably the same reason in Texas you can't use a state issued student ID to vote, but you can use a concealed carry permit. Discrimination against people who aren't like you.

    8. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      Build the wall. Build it now. Trump 2020.

    9. Re:The "low-income" excuse by geekmux · · Score: 2

      Do you understand why "if you have nothing to hide..." argument is flawed? Well, your "Paid under every proverbial table." is exactly the same.

      Do you understand that citizens living in a country illegally fail to meet the criteria of "nothing to hide"?

      No, not "exactly" the same. At all. There's a reason we're talking about a small fraction of society here.

    10. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      Oh, so it's a matter of how large a fraction of society is affected? The fraction you're not part of, I'd bet.

    11. Re:The "low-income" excuse by Lothsahn · · Score: 1

      So I'm sure this is true some places, but seriously, check out credit unions. Most of them are nothing like this.

      I just opened a credit union account for $25. My friend with a very poor credit score was able to get a debit card from one with no issues either.

      When I was a teenager and had no established credit, they offered me a secured credit card. I had to put $1k in the account and my credit limit was the same $1k.

      --
      -=Lothsahn=-
    12. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      A state issued student ID isn't a legal form of identification. It is not subject to the standard of say a driver's license or regular state ID for proving you are who you say you are. A concealed carry permit is subject to EVEN MORE scrutiny, such as you must also provide a fingerprint card.

      It has NOTHING to do with discrimination.

      There are ALREADY many things in this country that you CANNOT legally do without valid ID. For instance: drive, rent a car, rent a hotel room, purchase alcohol, purchase cigarettes, travel by plane, travel by train, and many many more. The whole "poor people can't get ID because they can't afford it" myth was debunked decades ago by how much an ID is necessary for daily living.

    13. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      same reason for claiming ID can't be required to vote, which makes me wonder if that's what this is really about...

      Probably the same reason in Texas you can't use a state issued student ID to vote, but you can use a concealed carry permit. Discrimination against people who aren't like you.

      How hard is it to fake that "state-issued" student ID that was likely printed off a $99 inkjet hooked to a cheap PC, or bribe the 19-year old lackey running it?

      Sometimes the reasons are not quite as racist as you ASS-U-ME they are.

    14. Re:The "low-income" excuse by geekmux · · Score: 1

      >When a 16-year old with no more than a side gig cutting laws can obtain a free checking and savings account, to include the debit/credit card, can someone please explain this "low-income" excuse?

      Uh....

      Minimum balance to have a free checking account with debit and credit card is either a minimum of $5000 cash in the account, otherwise it's $31 per month. Without a credit card drops down to $16/month, or a $4000 minimum balance. If you're disciplined and careful to limit the number of transactions per month to less then 12then the price drops to $5 per month or $2000 minimum balance. If you're a full time student or under 18, then you can have those fees waived.

      These are the best rates that I'm aware of for banking here. Other places are either more expensive for less, or less expensive but come with some pretty significant drawbacks.

      I can sorta understand where you're coming from with the 16 year old but what about a 22 year coming out old prison with no assets?

      Those rates are absolutely insane. Find another bank. Or more importantly, understand why people prefer a credit union.

      I just checked the fine print at my credit union. If you have at least 5 debit transactions a month (no maximum limit) and at least one direct deposit transaction a month, then your checking account is free (including debit/credit card). No minimum balance required. If you fail to meet those requirements, then they charge you $5/month. Not exactly fees that should alienate or deter a vast majority of low-income earners (how many of them own smartphones again?)

      And banks aren't in the "asset" business. They're in the money business. If you have none, then the conversation is irrelevant. If you have some, step right up.

    15. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      FDIC 2017 survey of Unbanked and Underbanked households:
      6.5% of US households do not have a checking or savings account. That's 8.4 million households.
      18.7% of US households are underbanked. That's 24.2 million households that have a checking or savings account, but purchased financial products or services outside the banking system.

    16. Re:The "low-income" excuse by geekmux · · Score: 1

      Oh, so it's a matter of how large a fraction of society is affected? The fraction you're not part of, I'd bet.

      Every legality and illegality is a matter of public acceptance. Alcohol was illegal at one time, and then it was made legal again because that fraction of society grew large enough. The public stance on marijuana is another example of fractions changing laws.

      Get the vast majority of people to support your stance, and make your illegal activity, legal. Until then, understand that people breaking the law to this extent will always represent a fraction of society, simply because the vast majority of citizens do not agree with the justification to break the law, and therefore do not engage in the illegal activity. That has to do with morals, not membership.

    17. Re:The "low-income" excuse by AvitarX · · Score: 1

      My bank refused to give me a non ATM card until I was 18.

      Also, free accounts have been inching up their minimum balances since they've started consolidating.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    18. Re:The "low-income" excuse by AvitarX · · Score: 1

      What about children getting their money from a side gig?

      Sure I guess they could file their taxes, but that's not usually how a side gig works.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    19. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      I did look. There's two active credit unions in my my city. One is $26/month (or minimum balance $5000) but you still loose out on the credit card. The other is no monthly fee but every action is anywhere from $0.55 to $3 depending on complexity (e.g. direct deposit from your work to that credit union for instance is 55 cent service fee, a withdrawal from from their ATM's is another 55 cent service fee, viewing your account online is a $1 access fee, etc... it adds up quick if you're not paying attention).

      To be fair I am talking about Canada so it might be different in the US but yeah...

    20. Re:The "low-income" excuse by tsqr · · Score: 1

      Here's an idea: walk into a grocery store and buy an Amazon gift card for any amount from $25 to $500 (need one for $29.73? Yeah, you can do that). Now you don't need a credit or debit card at the Amazon store.

    21. Re: The "low-income" excuse by Anonymous Coward · · Score: 0

      You just endorsed tax fraud by anyone not working a single W2.

      Real estate development is my side gig. Thanks for your support!

      Just kidding, I already don't have to pay taxes thanks to loopholes and paper holding companies.

    22. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      I did look. There's two active credit unions in my my city. One is $26/month (or minimum balance $5000) but you still loose out on the credit card. The other is no monthly fee but every action is anywhere from $0.55 to $3 depending on complexity (e.g. direct deposit from your work to that credit union for instance is 55 cent service fee, a withdrawal from from their ATM's is another 55 cent service fee, viewing your account online is a $1 access fee, etc... it adds up quick if you're not paying attention).

      To be fair I am talking about Canada so it might be different in the US but yeah...

      Viewing your account online is a $1 access fee?

      To be fair, you don't have a banking industry. You have a criminal organization pretending to be a banking industry.

      Not that the US is any better (the world doesn't easily forget 2008), but for fucks sake we're not getting financially raped on the daily with per-transaction fees. The monthly reconciliation must look worse than a 90's cell phone bill.

    23. Re:The "low-income" excuse by sinij · · Score: 0

      You are changing topics so rapidly, it is hard to keep up. Last time I checked, pay is cash is an option for both citizens and illegal immigrants - you claiming that illegals pay with cash is a red herring. Illegals also ride a bus, lets ban buses.

      Paying with cash is quite far from illegal activity, it is actually quite the opposite - it is explicitly legal as it is mandatory to accept all legal tender.

      You are also now claiming that there is consensus on banning cash, and that it is somehow immoral to pay with cash. What are you smoking and did you pay cash for it?

    24. Re:The "low-income" excuse by Scarletdown · · Score: 1

      And also, even a single transfer from a PayPal account will usually count for the direct deposit requirement.

      My main CU has a monthly cash back reward of something like 2% on the checking account and 2.5% on savings (based on the balances of the accounts) if you meet their simple requirements. 12 card swipes with the bank card (can be as either debit or credit), receive your statement electronically, and either one bill pay or direct deposit each month.

      --
      This space unintentionally left blank.
    25. Re:The "low-income" excuse by MatthiasF · · Score: 1

      Strange how you qualified your statement so specifically.

      Yes, lots of banks offer "student" accounts with no monthly fee for young people, but it only lasts until a certain point.

      Meanwhile, the rest of us have to keep a minimum balance over a certain amount to get the monthly fee waived. More and more Americans can't maintain an average balance at that point, thanks to the growing wealth inequality in the country.

      So, not sure if you're trying to create a strawman or what. Or was this an anti-immigrant rant, since that seems to be the popular thing recently?

    26. Re:The "low-income" excuse by Type44Q · · Score: 1

      Discrimination against people who aren't like you.

      Too bad people who "aren't like me" can still get a CCP in Texas; otherwise you might have a point.

    27. Re:The "low-income" excuse by pnutjam · · Score: 1

      Low-income is a thing. I'll break it down two different ways that I've experienced.

      scenario 1
      Not enough money coming in, account eventually gets overdrafted and closed. You owe the bank money. No other bank will open an account for you.

      scenario 2
      you make enough money, but can't afford the float. You don't have direct deposit. if you deposit your paycheck, it will take 2+ days to clear. That's business days, so Friday deposit shows up next Wed.
      Meanwhile, you can cash your check at the check wal-mart for a low fee and have your cash for the weekend.

    28. Re:The "low-income" excuse by SoftwareArtist · · Score: 1

      Bank accounts require you to maintain a minimum balance, usually a few hundred dollars. If you go below that, they start charging monthly fees. For a 16 year old living with their parents, locking up a few hundred dollars where they can't touch it might not be a big deal. For a lot of people living below the poverty line, it's not an option. They don't have the money to put aside. That means no bank accounts and no debit cards.

      --
      "I'm too busy to research this and form an educated opinion, but I do have time to tell everyone my uninformed opinion."
    29. Re:The "low-income" excuse by Anonymous Coward · · Score: 0

      Equally trashy: Anyone blacklisted by ChexSystems can't obtain a free checking account (or any type of checking account, for that matter).

      It's not only tax evaders who fall under the low-income "excuse" as you put it.

      OTOH, I've heard about prepaid debit cards. That might be an avenue to avoid leaving the low-income people out in the cold.

      However, there's a bigger philosophical problem here. With cash, I carry as much value as I care to, and I can instantly trade it for a Big Mac, a new T-shirt, or a haircut. With a credit card, I'm forced to rely on a third party blessing the transaction. Why should I be forced to do business with Visa for every exchange I want to make? Forcing simple things to be more complicated is getting more common, but that doesn't make it good.

  6. Costco by Anonymous Coward · · Score: 0, Interesting

    How is this any different than Costco requiring that you have a membership to shop at their stores? The membership keeps low income people from shopping there. Amazon shouldn't cave to SJW pressure like this.

    1. Re:Costco by Anonymous Coward · · Score: 0

      Yeah i think you are the SJW here. Selfish little moron. Why is it that people like you can't fucking crasp the concept of other people might be in different situations and they do not like the same shit as you do? How the fuck is 'being able to pay with cash' away from you in any way?

      As for the Costco, well there's a difference between being an exclusive "club" and accepting different payment methods. I don't know how that is not pretty damn clear.

    2. Re:Costco by Obfuscant · · Score: 1

      How is this any different than Costco requiring that you have a membership to shop at their stores?

      Costco doesn't let you IN the store unless you wave the membership card at them. Amazon lets you enter the store, spend a lot of time shopping, and then won't let you buy the stuff without having their form of payment.

      It's not really a "poor vs. rich" argument. It's a "have vs. have not". I got bit by one of these kinds of cashless stores a few months ago. I'm a visitor, don't have any local accounts of any kind. I need to buy lunch. I go into a nice little shop, pick up some food, and wind up at a machine that wants a specific kind of card -- that I don't have, and would have no reason to have. And no way of getting. No cash slots on the machine. So, I have to walk out and let them restock their items. Really fun. You should try it sometime.

    3. Re:Costco by b0s0z0ku · · Score: 1

      You can pay cash in Costco, and you don't need proof of legal residency or a credit card to get membership, just $50 per year of cash or whatever it costs.

    4. Re: Costco by Anonymous Coward · · Score: 0

      We should all live to see the day

    5. Re:Costco by Anonymous Coward · · Score: 0

      How is this any different than Costco requiring that you have a membership to shop at their stores? The membership keeps low income people from shopping there. Amazon shouldn't cave to SJW pressure like this.

      Ironically buying food in bulk is one of the more affordable ways to shop for food, particularly for low income families. You'll recoup the $60 membership quite easily that way, so they're more catering to the low-income population, not alienating them.

    6. Re:Costco by ShanghaiBill · · Score: 1

      Ironically buying food in bulk is one of the more affordable ways to shop for food, particularly for low income families.

      You'd think so. But Costco's average customer has a household income over $100,000.

      Their customer base is the upper middle class, not the poor.

    7. Re:Costco by AvitarX · · Score: 1

      I'm not surprised.

      Buying in bulk requires space, and a car.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    8. Re:Costco by ShanghaiBill · · Score: 1

      Buying in bulk requires space, and a car.

      It also requires planning ahead, and delayed gratification.

    9. Re:Costco by pnutjam · · Score: 1

      Plenty of poor people have both of those in spades, they don't have space or a car. Most costco's aren't on the busline.
      Furthermore, most poor people can't afford to buy 6 months of soap at once. It's the cheapest way to buy, but only if you have enough excess cash flow. The opportunity cost of buying 6 months of soap is too high for many poor people.
      In many places, buying your average american bottle is too expensive, that's why single serving sachets are so popular in poorer countries.

    10. Re:Costco by Anonymous Coward · · Score: 0

      But Costco's average customer has a household income over $100,000 [forbes.com].

      That's below the poverty line in San Francisco (the real poverty line - where you will have trouble with making ends meet - not the fake numbers the government churns out).

  7. You can have my consumer info when you pay me by WillAffleckUW · · Score: 1

    It's $2500 a transaction if you want it. Mmm, that's a tasty -$2498 candy bar!

    --
    -- Tigger warning: This post may contain tiggers! --
    1. Re:You can have my consumer info when you pay me by Anonymous Coward · · Score: 0

      Where did you find candy bars for two cents?

    2. Re:You can have my consumer info when you pay me by WillAffleckUW · · Score: 1

      Two bucks, comrade

      --
      -- Tigger warning: This post may contain tiggers! --
  8. Low income people already covered by SuperKendall · · Score: 1

    From watching a documentary last night, it seemed like many homeless in Seattle shoplift with impunity (and immunity) already. So it seems like they were already fine as they would just walk out of the store with items like every other customer.

    --
    "There is more worth loving than we have strength to love." - Brian Jay Stanley
  9. "Working" On What We Already Have by Anonymous Coward · · Score: 0

    Here in Canada my local Safeway grocery store has self-checkouts that accept cash.

    Point of Sale is hard?

    FUCK AMAZON.

    1. Re:"Working" On What We Already Have by Scarletdown · · Score: 1

      I can't recall the last time I saw a self checkout that didn't take cash. It had to have been way back in the early days of automated self checkout systems, when they were one of the best ways to check out fast (due to everyone else being unsure how to use them properly).

      --
      This space unintentionally left blank.
  10. How does cashless exclude low income? by mark-t · · Score: 1

    You don't have to have much money to have a bank account.... hell, I was on the verge of becoming homeless some 25 or so years ago and I still had a bank account. Granted, not much money was in it most of the time, but it was still there... and when I got paid, the money went in, and I'd pay everything electronically up until the money ran out... wash, rinse, repeat, every pay cycle. I lived like this for years.

    I might carry cash maybe only one or two times a year today... but even back then I still hardly ever handled cash. It was simply easier to pay for everything through e-transfer or direct payment... I also made sure to get an account with no extra fees for each such usage, so I wasn't getting dinged with unexpected user fees.

    1. Re:How does cashless exclude low income? by Obfuscant · · Score: 3, Insightful

      You don't have to have much money to have a bank account....

      If you don't have much money and you have a bank account, pretty soon you will have no money.

      I got a "free" $400 offer from a local bank. Deposit X dollars and we'll give you $400 for opening the account. Great deal. Until you find out there's a fee every month that you don't do a certain number of POS transactions with their card. (Hmmm. Not processing transactions costs money that justifies a fee? No, not giving them consumer demographics they can sell costs them money.) There's a fee if you want a paper statement. After just a few months (like 6) without the appropriate number of transactions, your account is deemed "inactive" and ... you pay a fee for that. And after a few more, your account is dormant and can be turned over to the state.

      I needed an international money transfer, and did it through them. There was a $27 fee for that which nobody bothered to tell me about (I had to ask them multiple times for the secret codes so the other bank could send the money, so it's not like they didn't have a chance to tell me), and was not mentioned even on their international money transfer web information pages.

      Banks are a rip-off. Poor people and banks have no common ground.

    2. Re:How does cashless exclude low income? by b0s0z0ku · · Score: 4, Insightful

      It's easier to pay cash -- I know exactly how much I paid, and they can't enter an incorrect "tip" amount later. Plus cash is good, cash is private, we should all be doing our part to keep the cash economy humming along. It's our duty to freedom from tracking and bank/government control. I carry and pay cash as a (small) revolutionary act.

    3. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      if you think an international wire is without cost I don't know what to tell you bud.

    4. Re:How does cashless exclude low income? by tlhIngan · · Score: 1

      Banks are a rip-off. Poor people and banks have no common ground.

      The days of a "simple savings account" are long over. There are fees for everything - just go to a bank's website and try figuring out their account plans. If you ever thought your mobile carrier's plans were complex, bank account plans are even more so.

      The cheapest of the cheap accounts (the ones with practically no monthly fee) only give you a pathetic amount of withdrawals - sometimes you can "earn" more if your company does a direct deposit, but every time you withdraw money, be it from an ATM, teller, debit, it counts against your account and soon you'll be paying $2 per transaction.

      Kids may be able to get "free" accounts but once they graduate, they generally have to "upgrade" to big-boy adult plans.

      As much as we'd like it not to be, "bank fees" ends up being a budget line item - something people can spend $100 or more on per month, just for the privilege of having a bank account. If you can't spare that, you do stuff in cash.

      The only bright spot is a credit union - those typically have fees far lower and if you qualify for them, maybe even free.

    5. Re:How does cashless exclude low income? by jwhyche · · Score: 1

      . Plus cash is good, cash is private, we should all be doing our part to keep the cash economy humming along

      I remember 20 years ago there was a tv special on about how the government is tracking you with your cash. There was a little metal strip in each bill, and the government was using that to tell how much you had on you when you went between those inventory theft detectors in stores.

      --
      I read at +2. If your post doesn't reach that level I will not see or respond to it.
    6. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      Wire transfers within SEPA are usually free.

    7. Re:How does cashless exclude low income? by Lothsahn · · Score: 1

      Two words: Credit Union. Low fees and good customer service.

      That said, just did a domestic wire and there was a $10 or $12 fee. They were up front about the fee, however.

      --
      -=Lothsahn=-
    8. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      I suspect this probably doesn't work if you have a wallet that shields RFID and that sort of thing.

    9. Re:How does cashless exclude low income? by jwhyche · · Score: 2

      To the mod that labeled this as flamebait. There is nothing flamebait about this post. It is a simple statement of a story that I saw decades ago. In the figure you need to make sure you mod correctly for Slashdot moding system to work.

      --
      I read at +2. If your post doesn't reach that level I will not see or respond to it.
    10. Re:How does cashless exclude low income? by mark-t · · Score: 1

      I know exactly how much I paid with direct payment as well... as I said, my bank account has no hidden fees per transaction, with the benefit that I don't have to carry cash around everywhere. Direct payment is accepted virtually everywhere locally for me, as well as most of the other places I have occasion to travel to. The only time I find direct payment to be less convenient is is when I travel to another country, and only then do I either need to carry either currency local to where I am travelling, or else use a credit card.

      Also, I expect that the government and bank have more important things to do than monitor my pathetic spending habits anyways.

    11. Re:How does cashless exclude low income? by mark-t · · Score: 1

      If you don't have much money and you have a bank account, pretty soon you will have no money.

      Only if you are not very good at paying attention to exactly how your money is being spent.

      A funny thing about being poor is that you end up learning how to really make every dollar stretch as absolutely far as it will go... and whether currency might be purely electronic with direct payment does not have to impede that.

    12. Re:How does cashless exclude low income? by b0s0z0ku · · Score: 1

      That's a lot harder to match to a face and identity than credit card transactions in a bank's database.

    13. Re:How does cashless exclude low income? by Obfuscant · · Score: 1

      Only if you are not very good at paying attention to exactly how your money is being spent.

      You might note that all the fees I mentioned have nothing to do with spending your own money, it's fees imposed by the bank for the simple privilege of having an account with them.

      A funny thing about being poor is that you end up learning how to really make every dollar stretch as absolutely far as it will go...

      The only way to avoid the fees is to have a "minimum balance", in some cases. Poor people have a really hard time keeping a "minimum balance" because you need to be "not poor" to have that much money sitting in the bank unusable.

      For the person who provided "two words", yes, I spoke specifically about a bank because my normal CU has none of the fees and does none of the stupid tricks the bank was pulling on me. I have an account at one CU that I don't touch. It's a CD in an IRA. About once a year I call them so they know I'm still alive, and that's all they want. No threats of account dormancy, no fees. The basic savings earns me a few pennies a year in interest, even. And they send me paper statements.

    14. Re:How does cashless exclude low income? by Obfuscant · · Score: 1

      I know exactly how much I paid with direct payment as well...

      After it happens and appears on your statement. It's hard to be overcharged even by accident when you hand someone the exact amount to cover the payment in cash, and the overcharge is limited to the amount you hand them if you don't have exact change. You can also immediately reconcile the charges with the change and see if the change is correct.

      Also, I expect that the government and bank have more important things to do than monitor my pathetic spending habits anyways.

      You could be wrong, and you are absolutely wrong when you include the vendor to whom you have handed a handy account number they can use to track your every purchase. Why do you think "loyalty cards" are so ubiquitous? Do you think the stores that have them are just nice friendly folks who give people with loyalty cards a good deal because they like them? Or is it so they can track individual purchasing habits?

    15. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      They're a recent addition (and it is within Europe or EU - I don't know if Iceland and Norway are covered). Before that I was asked 22 EUR so I sent a cheque in the mail instead.

    16. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      They can track that anyway. Seriously do you change your face every time you shop at a store?

    17. Re:How does cashless exclude low income? by Obfuscant · · Score: 1

      Believing that every store uses facial recognition to track your shopping history is tinfoil hat territory. Loyalty card tracking is known fact.

    18. Re:How does cashless exclude low income? by jwhyche · · Score: 2

      One of the reasons I believe it is safe to call bullshit on this particular conspiracy theory. So what if they can tell that I walked past a scanner and have $200 in cash in my pocket. Unless.... they take my picture at the time, compare it to a database with facial recognition software, and then log it. I should run that by the tin foil hat group for shits and giggles.

      --
      I read at +2. If your post doesn't reach that level I will not see or respond to it.
    19. Re:How does cashless exclude low income? by mark-t · · Score: 1

      After it happens and appears on your statement.

      No... I know how much money I have because I can do math.

      As for being billed the wrong amount... first of all, the machine expects me to acknowledge the amount I'm paying before I do anything. If the vendor passes me the machine after bypassing this verification, I will hand it back to them and tell them to punch it in again, because I want to verify the amount I am paying myself.

      If I do not bother to ensure that they are billing me what I expect, how is that any different than not making sure that a cashier is giving you back the right amount of change?

      If the vendor is somehow forging all of this information, including the receipt the debit machine prints, then I can show the receipt to my bank when I discover the discrepancy, and they will reimburse me and go after the vendor. It's not worth their time to bother to try because all it takes is one person to complain and their business is over.

    20. Re:How does cashless exclude low income? by mark-t · · Score: 1

      You might not have noticed that I specifically said that I have an account that does *NOT* charge any usage fees per transaction... so there are no "hidden" charges.

    21. Re:How does cashless exclude low income? by Obfuscant · · Score: 1

      No... I know how much money I have because I can do math.

      You don't know how much your payment actually turned out to be until you see the statement that tells you how much was taken out of your account. It has nothing to do with the ability to "do math". You can't do math on numbers you don't know.

      As for being billed the wrong amount... first of all, the machine expects me to acknowledge the amount I'm paying before I do anything.

      "Direct payment" covers a large number of operations. Not all of them include "machines".

      then I can show the receipt to my bank when I discover the discrepancy,

      And that's after the payment has been made -- which is what I wrote. And you claimed cannot happen.

      It's not worth their time to bother to try because all it takes is one person to complain and their business is over.

      Oh my God. You actually think an incorrect charge would be reason to close down a business. How naive.

    22. Re:How does cashless exclude low income? by Obfuscant · · Score: 1

      You might not have noticed that I specifically said that I have an account that does *NOT* charge any usage fees per transaction...

      And you might not have noticed that I wasn't talking about your specific banking arrangements, and that I don't care about your specific banking arrangements. You might also not have noticed that I was not talking about transaction fees, but NON-transaction fees -- fees for NOT using a debit card. No, actually, it's not "might not have noticed", you completely ignored that.

      so there are no "hidden" charges.

      An "inactive account fee" that I was not told about when I created the account is both a "non-transaction fee" and hidden. While the transfer fee was for a transaction, since it was not revealed until it was taken out of the account, that means it is hidden. While it's nice that your specific bank doesn't do that to you, it is irrelevant in the long run because too many banks DO.

    23. Re:How does cashless exclude low income? by dryeo · · Score: 1

      It's much simpler to stay on budget when you only have so much cash on hand to spend.
      Even more important are the physical affects. Spend cash, both the pleasure and disgust areas of the brain light up, that disgust part slows down spending. Use a card, only the pleasure part of the brain lights up, making it easier to spend money and even leading to an addiction.

      --
      https://en.wikipedia.org/wiki/Inverted_totalitarianism
    24. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      I carry and pay cash as a (small) revolutionary act.

      Not using a card, not having a facebook account or an email account can attract unwanted attention and be a source of discrimination when job hunting.. Watch what happens when you pay your airline ticket with cash. It's totally fucked up. We have to vote for a better class of people prevent more problems.

    25. Re:How does cashless exclude low income? by mark-t · · Score: 1

      And you might not have noticed that I wasn't talking about your specific banking arrangements

      That's funny... I thought we were talking about people on low income and its impact on the ability to use banking.

      As I have definitely gone through a very long period of being low income, and this did not adversely affect my ability to use a bank, I figured that my experiences in the matter might be relevant. I watched how I spent my money, and I made sure to deal with insitutions that were favorable to my situation.

      My bad for making the assumption that my experience might qualify me to express any opinion, I guess.

    26. Re:How does cashless exclude low income? by thegarbz · · Score: 1

      and they can't enter an incorrect "tip" amount later

      I don't understand. What is this "later" thing you speak of? Do you not see the fixed price on your machine before you enter your PIN?

    27. Re:How does cashless exclude low income? by mark-t · · Score: 1

      Oh my God. You actually think an incorrect charge would be reason to close down a business. How naive.

      No, I think fraud would be a reason to press charges. If they claim to have charged me X, and the receipt shows X, but bank statement says that they charged me Y, I can show the receipt to the bank as evidence of deliberate fraud. In this case, it would amount to forging the receipt and tampering with the equipment that communicates with the bank to show something different than what is actually charged. Yes, it's after it happened, but the consequences to them are severe enough that it's unlikely to occur.

      If I had every reason to expect that the charge will be X before the transaction, but the receipt actually says Y, I will be pointing that out right away just the same as if you handed the cashier a $50, but they hand you change as if you handed them $20. That's after you've made payment too.... what are you going to do? It's your word against theirs at that point, isn't it?

      You don't know how much your payment actually turned out to be until you see the statement that tells you how much was taken out of your account. It has nothing to do with the ability to "do math". You can't do math on numbers you don't know.

      I can do math on the numbers I am told I will have taken from my account... and I'm not going to authorize someone to take money from my account unless they do tell me in advance how much they are going to take. With the form of direct payment that I most often use, the machine I put my card into indicates the amount they will charge me before the transaction goes through. If it's different than what they said, I note the discrepancy before I've even paid. This happens sometimes, and I will typically assume it is a keyboarding error and give them the opportunity to correct it before trying the transaction again

      With forms of direct payment that don't include a machine, I will not authorize it in the first place unless I know before the charge happens how much they are going to take. If they end up taking more, yes, I won't know about it until after it happens, but I would still have just cause to dispute the charge with the bank. The company would face a chargeback for the difference, and it's probably not in their best interests to do this often enough to be profitable. This has only ever happened to me once in my life, and apparently it was the result of a keyboarding error on their end. I was refunded the money within the same day I saw the discrepancy on my statement.

    28. Re:How does cashless exclude low income? by mark-t · · Score: 1

      It's much simpler to stay on budget when you only have so much cash on hand to spend.

      You have the same amount of money either way... what difference does it make if it's physically in your pocket or not?

      Use a card, only the pleasure part of the brain lights up

      Speaking for myself, I've noticed that usually when I use a debit card, as soon as I press "OK" to confirm and complete the transaction, I have the distinct sense of the money I've just made getting sucked away. There is definitely some "disgust" going on there, so I'm not so sure that your conclusion about only experiencing pleasure with a card is valid.

    29. Re:How does cashless exclude low income? by dryeo · · Score: 1

      For many people, it is easier to spend money with a card compared to watching cash disappear out of your wallet. It's going to vary by person.
      The pleasure disgust thing is from studies of watching brain activity. Once again, everyone is different.

      --
      https://en.wikipedia.org/wiki/Inverted_totalitarianism
    30. Re:How does cashless exclude low income? by pnutjam · · Score: 1

      Chase used to have a really good pre-paid debit, chase liquid. Looks like they discontinued it. Looks like 5/3 has a decent one still.

    31. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      You have the same amount of money either way... what difference does it make if it's physically in your pocket or not?

      There's a difference in how people perceive tangible items and abstract concepts. There's a ton of research out there showing that people spend more when paying by card vs. cash. If your goal is to get people to spend as much money as possible, banning cash is a good first step.

    32. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      I have done many international transfers before SEPA and it was never anything close to € 22. Your bank must have been exceptionally expensive.

      Isn't a cheque much more expensive? Do banks even issue and accept them these days?

    33. Re:How does cashless exclude low income? by b0s0z0ku · · Score: 1

      Credit cards in the US are generally run without a PIN. You write the tip amount on a receipt and they enter it after the card has already been run.

    34. Re:How does cashless exclude low income? by Obfuscant · · Score: 1

      No, I think fraud would be a reason to press charges.

      And all errors on an electronic charge are fraud.

      I can do math on the numbers I am told I will have taken from my account...

      Of course you can. And then you find out that the number they told you wasn't the number that came out. Or they didn't tell you the number they took out until the statement arrives. You do realize that automatic payments are done that way, don't you?

      and I'm not going to authorize someone to take money from my account unless they do tell me in advance

      And now we're back at your specific banking arrangements and how smart you are. My comment was about generic banks and generic poor people, not you specifically. Go back and read what I first wrote and look for where I mentioned you. You won't find it.

      yes, I won't know about it until after it happens,

      This is EXACTLY that I said and EXACTLY what you are arguing with me about. Please stop. You've just made my point.

      This has only ever happened to me once in my life, and apparently it was the result of a keyboarding error on their end.

      FRAUD! FRAUD! Shut the business down! Oh, wait, that's your claim, not mine. One complaint to shut them down, right?

    35. Re:How does cashless exclude low income? by mark-t · · Score: 1

      And all errors on an electronic charge are fraud.

      No...

      you find out that the number they told you wasn't the number that came out

      THAT is fraud.

      Or they didn't tell you the number they took out until the statement arrives

      I don't authorize payments when I don't know the amounts ahead of time.

      now we're back at your specific banking arrangements and how smart you are

      Because, funnily enough, I though that my own experiences with being poor and having no problems dealing with a bank just might qualify me to have an opinion about the subject

      This is EXACTLY that I said and EXACTLY what you are arguing with me about. Please stop. You've just made my point.

      My point was that there is no real incentive for any one to do this *deliberately*.

      I have dealt with being poor, but I have never been so miserly and distrustful of what might happen as a result of a mistake that I was unwilling to forgive it and to wait until it was fixed because in my experience, it always has been.

      But oops.... I guess that's my own experience, and I'm not really allowed to talk about that because it's apparently different from your expectation about reality.

      I made the assumption only that my situation was nothing particularly special, and that I am not particularly unique, and given that, I see no reason why others could not have similar benign interactions with a bank, even while living with very low income.

    36. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      I have dealt with being poor, but I have never been so miserly and distrustful of what might happen as a result of a mistake that I was unwilling to forgive it and to wait until it was fixed because in my experience, it always has been.

      You must be young, or very, very lucky. I'd guess the former from the tone of your speech.

      Eventually you'll start encountering 'mistakes' that won't be fixed, and can't be fixed without going to court - and sometimes not even then. Some of them any reasonable person would consider 'fraud' - but the legal system won't because the lawyers for the other party are getting paid more then the pitiful legal staff that you can afford, and the judge is looking for a promotion and only needs a fig leaf to screw you over and get away with it. The legal system of most countries provide many such excuses - and the USA is the worst of them all, with ridiculous and unbelievable - even absurd - legal ethics problems.

      These will mostly be really big mistakes - hundreds, thousands, tens of thousands of dollars - but there will be plenty of smaller ones (and they'll suck up more and more of your time, which someday you'll realize is finite).

      If you work on your social skills, you might be able to avoid some of these mistakes - because you'll hear about them from others. Fore-warned is fore-armed.

    37. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      To the mod that labeled this as flamebait. There is nothing flamebait about this post. It is a simple statement of a story that I saw decades ago. In the figure you need to make sure you mod correctly for Slashdot moding system to work.

      You have a citation for this, right?

      Oh, I see you can't be bothered to post a citation for your useless drivel.

      No, wait a second. Let's call your claim what it is: A LIE.

    38. Re:How does cashless exclude low income? by mark-t · · Score: 1

      You must be young, or very, very lucky

      I have teenage grandchildren, so I'm objectively not young, and I never would have thought of myself as lucky, while I have had no particular reason to think my situation is unusual. I do not procrastinate on financial matters, I have disciplined myself to be cognizant of and responsible for the transactions that I enter into, and I make sure to read the fine print of any agreements I enter into with institutions such as banks. I know that if I failed to do even one these things, there are many times in my life I would certainly have been screwed over, with no affordable recourse, just as you suggested might happen to me someday.

    39. Re:How does cashless exclude low income? by Anonymous Coward · · Score: 0

      Rick. You need to stop your anonymous trolling and get a life.

  11. I can by rsilvergun · · Score: 4, Insightful

    it's fine for the 16 year old with no credit. Give that kid a few years. The car his mom & dad helped him buy will break down and his two $8/hr jobs won't be enough to get it fixed. He won't know how to fix it himself because we pay for schools with property taxes and Auto Shop was one of the first things cut when the property values in his neighborhood collapsed and his school district lost all it's funding. Kid now has a high interest loan over his head and very little money. So his credit's shot. One of these days he overdraws his account and the bank uses that opportunity to close it out and send him packing since he's all cost and no profit. The divorce he has in his 20s (along with child support) means no bank will touch him. Doesn't help that the mom cleaned out his account right before the divorce

    Once the world kicks down you it doesn't stop. Unless some outside force steps in you're pretty much done with. As for the illegals, they've got their own little world that still takes cash that they keep to. Everyone knows they're there but turns a blind eye because the local businesses want to hire them and the locals themselves want their lawns maintained and their houses renovated on the cheap. This has nothing to do with illegal immigration. We could stop that any time we want with stricter employer guidelines and by ending the drug war so the refugees would stop streaming in. But if we did that the right wing in America would lose yet another boogeyman to scare us with.

    --
    Hi! I make Firefox Plug-ins. Check 'em out @ https://addons.mozilla.org/en-US/firefox/addon/youtube-mp3-podcaster/
    1. Re: I can by DNS-and-BIND · · Score: 0

      Illegal immigrants harm our young. Kids can't even get entry level jobs any more because they're all filled by 35 year old adults from Oaxaca.

      --
      Shutting down free speech with violence isn't fighting fascism. It IS fascism!
    2. Re:I can by thegarbz · · Score: 2

      Cool story, but why would that situation mean he can't get a savings account with a debit/credit card?

      Do Americans actually charge for these? Do for some reason you need to have a good credit rating to pay with debit over VISA?

      If so the problem here isn't credit, the people or the cashless concept.

    3. Re:I can by Anonymous Coward · · Score: 0

      The car his mom & dad helped him buy will break down and his two $8/hr jobs won't be enough to get it fixed. He won't know how to fix it himself because we pay for schools with property taxes and Auto Shop was one of the first things cut when the property values in his neighborhood collapsed and his school district lost all it's funding.

      The rest is somewhat reasonable, but this part doesn't pass the smell test. What is it even possible for someone to repair on their own in a modern car? They're not even including a spare tire in a lot of cars now, just an inflator and a can of slime that expired 5 years ago. Even replacing headlight bulbs (before LEDs) requires complete front end disassembly on some common models. The days of auto shop class preparing you to repair your car are long over; basic troubleshooting skills and YouTube will get you as far as you can reasonably be expected to go. And how common was auto shop in the first place? My high school never had it and I'm pretty sure that was the norm in my area. If you wanted to learn auto repair, you would enroll in the regional vocational school and spend a chunk of your time there. Unless you were planning on getting a job as a mechanic straight out of high school, you wouldn't be taking any kind of auto shop class.

    4. Re: I can by Anonymous Coward · · Score: 0

      Illegal immigrants harm our young. Kids can't even get entry level jobs any more because they're all filled by 35 year old adults from Oaxaca.

      This has a lot more to do with minimum wage and other government policies then with illegal immigrants. There have always been illegal immigrants. They weren't always a problem and they don't have to be a problem today.

      If you want to help the poor, then support better welfare for citizens (perhaps a reverse income tax or UBI), health care reform, better public job training, better transportation systems, dismantling of rent-seeking abuses of government authority, legal ethics reform, sensible low cost housing, massive reform of most rent control schemes, and the abolition of property-tax-based education.

      If you want the rich to pay their fair share, support income tax reform (including inheritance and transfers) and the abolition of sales and property taxes - and learn why compounding and feedback cause bad government policies to become extremely expensive, even dwarfing the income the federal government gets from current income taxes.

      But please don't support minimum wage. It's well established that it harms those most in need of help - and the only measurable benefit is that high school students stay in school longer (but we can achieve that in other ways).

  12. This Note is Legal Tender by Anonymous Coward · · Score: 0

    For All Debts, Public and Private.

    1. Re:This Note is Legal Tender by Anonymous Coward · · Score: 0

      No you fucktard, Amazon is a private company and that doesnt apply to them.

    2. Re:This Note is Legal Tender by Anonymous Coward · · Score: 0

      Credit card companies and mortgage lenders are are private companies, too.

      I think if I swipe something from an Amazon store and run out the door, I'm now in debt to Amazon, and am entitled to pay in cash.

      What's the difference exactly?

    3. Re:This Note is Legal Tender by Anonymous Coward · · Score: 0

      No, you're a thief.

    4. Re:This Note is Legal Tender by Anonymous Coward · · Score: 0

      What part of PUBLIC and PRIVATE is ambiguous to you, "fucktard". Just because Amazon is a private company does not mean that FEDERAL LAW does not apply to them....."fucktard".

      You really should rent a clue sometime. You'll like it.

    5. Re:This Note is Legal Tender by Anonymous Coward · · Score: 0

      Read the constitution, you fucktard.

    6. Re:This Note is Legal Tender by Lothsahn · · Score: 1

      Buying something isn't a debt. A debt is money owed that you can't get out of except by repayment or negotiation.

      Buying something can be cancelled by vendor or consumer, until the purchase or contract is complete. A vendor thus can refuse to take cash and cancel or refuse any transaction.

      I too believe that every merchant should accept cash. I recently had an issue with U-Haul where literally they would not accept my debit card and only took credit cards. But there is definitely a difference between an incomplete purchase and a debt.

      If you swipe something from an Amazon store and run out the door, that's also not a debt. That's theft and a criminal activity.

      --
      -=Lothsahn=-
  13. You've pinned your liberty on poor people? by Anonymous Coward · · Score: 0

    You're doomed.

  14. NJ Costco gas stations, pharmacy, alcohol (limmted by Joe_Dragon · · Score: 1

    NJ Costco gas stations, pharmacy, alcohol (limited) states are buy law non member.

  15. Cash is king by cordovaCon83 · · Score: 3, Interesting

    legal tender
    noun
    Denomination of a country's currency that, by law, must be accepted as a medium for commercial exchange and payment for a money debt.

    Sounds to me like Amazon is making the right move. I don't see much room for interpretation for the definition of 'legal tender' here.

    1. Re:Cash is king by Anonymous Coward · · Score: 1

      Denomination yes. Physical piece of paper or metal as a respresentation of that denomination, no.

    2. Re:Cash is king by Obfuscant · · Score: 1

      must be accepted as a medium for commercial exchange and payment for a money debt. Sounds to me like Amazon is making the right move. I don't see much room for interpretation for the definition of 'legal tender' here.

      Someone else has already pointed out for another comment like yours that it is your definition of "debt" that is in error. If the vendor refuses to sell to people who don't have cash, then there is no debt to start with. You walking up to a cashier station does not create the debt; you waking out the door with the merchandise does. If you walk out without paying FIRST then you are shoplifting.

    3. Re:Cash is king by Anonymous Coward · · Score: 0

      And if they won't accept cash, they don't get my business!!

    4. Re:Cash is King by Scarletdown · · Score: 1

      Cash, grass, or ass (where ass can refer to just physical labor of some sort in exchange for other goods and services, and not just the more traditional giggity definition.)

      --
      This space unintentionally left blank.
    5. Re:Cash is king by thegarbz · · Score: 1

      The dictionary is not a good source for determining the law. For that you could read the laws themselves, and no, legal tender does not need to be accepted as a medium for commercial exchange.

      Legal tender in the USA only needs to be accepted to pay debts, debts also has a very specific meaning, and no you're not in debt between eating a meal in a restaurant and paying. Unless that restaurant made you sign a long legal contract explicitly stating the terms of the debt and its resolution. Then they would need to legally accept cash.

  16. and with no cash shoplifting is hard to enforce by Joe_Dragon · · Score: 1

    and with no cash shoplifting is hard to enforce under the law.

  17. Ted Kaczynski had one or two things right by Anonymous Coward · · Score: 0

    "PRIVACY"?!!

    Yeah, like these stores aren't crammed with cameras.
    Anyone dumb enough to enter and have the temerity to pay with cash is going on The List. But you already knew that.

  18. Cash is King by Anonymous Coward · · Score: 0

    Contrary to popular misconception, the use of cash is INCREASING, not decreasing.

    https://www.paymentscardsandmobile.com/global-cash-report-reveals-cash-payments-are-on-the-increase/

    up 8.1% since 2011.

    All your internets are belong to us!

    CASH IS KING

    People who think their phone is replacing cash are living in the dark ages.

  19. The parking ticket machine can do it by Anonymous Coward · · Score: 0

    Then it should be no problem for Amazon.

  20. Unsolvable Problems by Howitzer86 · · Score: 2

    Yeah, there's a reason everything seems to be an endless battle - even when one party has total control and a concrete agenda, they blow it. An American politician can do too much and cause a disaster or do too little and say, "We'll get it right next time if you vote for me," thus it pays for them to be as ineffective as possible.

    We will never solve any issue that we care about. Instead, our politicians will continue to fight a forever-war over meaningless bandaids and half-measures while promising it will solve everything and/or destroy us all.

  21. You put one of them down every time they fail. by Anonymous Coward · · Score: 0

    If you vote politicians in on a platform, you start with a sternly worded letter. If they breach their mandate after the letter, you end their term and make sure whoever takes over their position takes the lesson taught by the example you made of the last politician.

    Rinse and repeat until American is Great Again. With the free time you have as a result of the political upheaval, you can finally read its history and discover it never at any time was.

  22. fixed by Anonymous Coward · · Score: 0

    I propose to scan it and shred it

  23. Cash is for all debts private and public by Anonymous Coward · · Score: 0

    Cash spent at a store is a freedom of speech issue. Cashless stores could just offer a discount for cashless transactions just like gasoline stations charge less if you pay in cash than with a credit card.

    Simply: When it's 99% more convenient for the business and 1% more convenient for the customer, the customer is getting less service from the business.

    Yes, the customer should be able to pay by cash, card or check and be able to get paper receipts or statements if needed - for example cost basis on upgrades you paid for on a rental house or investment which are needed 10 or more years after the initial statement.

    And yes, you don't need my cell phone to send me a paper receipt. Had this lameness after SquareSoft receipt was sent to me for credit card transaction of a Taxi in SF and months later a restaurant my home town took my credit card and asked 'do you want us to send the receipt to you phone number AAA-AAA-AAAA' without me even giving my phone number to the restaurant.

    Kind of expect the SquareSoft folks to look up my credit header and then sell my first name and phone number and some A,B,C,D,F sales prospect status to a bunch of telemarketers.

  24. Welcome to the future! by Anonymous Coward · · Score: 0

    My daughter dragged me into an Amazon Prime brick-and-mortar book store. I handed her a $20 bill for a book. She came back and told me, "They don't take cash here!" Seems like a strange way to run a store in a mall, but apparently they want a record of everything you buy there!

  25. Scan and go by Anonymous Coward · · Score: 0

    I presume Amazon will be using some sort of optical recognition technology to figure out what denomination you paid or if you paid bona fide USD or Russian rubles or some more exotic currency. So the question is, what's to prevent Amazon from tracking the serial numbers of the cash you paid. That's still far away into the future. But cash transactions don't guarantee anonymity, especially if you're paid by a business that withdraws it payroll money just in time for payday. The bank is more likely to issue freshly printed cash with consecutive serial numbers.

  26. Not exactly by rsilvergun · · Score: 3, Insightful

    the problem isn't them blowing it, the problem is that a right wing, pro corporate and anti-worker regime has been in charge since Reagan. It's not about too much or too little, they've always done a lot, it's just mostly been bad. Tax cuts for the rich, attacks on Unions, deregulation (especially of banks who gamble with trillions knowing full well their losses will be covered by you and me) trickle down economics, austerity for the working class and opulence for the rich and endless war to support the military industrial complex.

    We've been trying right wing politics for decades, whichever party was in charge. Folks have been trying to replace "The Establishment" without being able to understand who the establishment is.

    Go look up opensecrets.org. That's a good place to start. Watch Secular Talk and Shaun. Read A People's History of the United States. Listen to what Bernie Sanders says about healthcare and what Liz Warren says about the banks. Do these things and it'll start to make sense. The problem is a wealthy elite who's greed and power hunger knows no bounds. You can't just look at parties or politician or who makes you feel good about yourself. What matters is policy and who does and doesn't take corporate PAC money. Oh, and watch out for guys like Beto O'Rouke, who seems to have gotten his money from the wealthy and hide that fact by having them bundle small donations.

    --
    Hi! I make Firefox Plug-ins. Check 'em out @ https://addons.mozilla.org/en-US/firefox/addon/youtube-mp3-podcaster/
    1. Re:Not exactly by Anonymous Coward · · Score: 0

      >> right wing, pro corporate and anti-worker regime has been in charge since Reagan.

      Wait what... Clinton and Obama were right-wing?

    2. Re:Not exactly by Anonymous Coward · · Score: 0

      >> right wing, pro corporate and anti-worker regime has been in charge since Reagan.

      Wait what... Clinton and Obama were right-wing?

      EXACTLY

      Such a good point.

  27. Shrinkage by mveloso · · Score: 1

    Low-income shoppers steal. It's called shrinkage. They will thrive in a no-cash environment.

  28. Good, it's not like it's difficult to do. by Anonymous Coward · · Score: 0

    Canadian Tire has supported cash-based self-checkout for... damn, feels like almost ten years now!

  29. How? by Anonymous Coward · · Score: 0

    The whole point of the Go stores is you tap your phone on the way in (with the Go app installed and you logged into your Amazon account), you pick up the things you want, and you walk out.

    If people don't have to swipe to get in, then on the way out that means everyone has to check-in with a clerk. You can't leave it up to the honor system or people will start stealing Amazon blind. And, if everyone has to check in with a clerk, then you defeat the whole point.

    How is this gonna work?

  30. Mind Blown by Anonymous Coward · · Score: 0

    Cash at a cashierless store? That is unpossible!

    Like the meatball submarine sandwich, the laws of physics should prevent this!

  31. If your credit score falls below a certain level by rsilvergun · · Score: 1

    banks will not give you an account in America. It is very common for men post divorce to be unable to get an account. Alimony and Child support payments show up on your record and can hurt you because they are a debt that must always be paid before anything else. Also divorces are really, really difficult and expensive and you'll often be left in a bad spot financially.

    My understanding is large parts of Europe have "Postal Banking" where you can open a public bank account at a Post Office regardless of credit worthiness. Countries often do this specifically to address the problem of private banks not wanting to take on the poor and disadvantaged as clients. In America the banks have a _lot_ more power than they do even in Europe, so they've blocked any attempt at such a system.

    --
    Hi! I make Firefox Plug-ins. Check 'em out @ https://addons.mozilla.org/en-US/firefox/addon/youtube-mp3-podcaster/