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Discussion in 'HardForum Tech News' started by Megalith, Dec 2, 2018.
Can I still write a check for that cup of coffee?
Sure if you give me a $20 just in case it bounces. I will mail the $20 back to you when it clears...honest!
well i'm white and got fucked over in the whole housing market crash and now my credit is fucked. so now i can't have a credit card or bank account. so now i'm not allowed to shop in certain places? i thought it says right on the face of paper money that it is "legal tender for all debts public and private" how is it even legal to run a business like that?
and so i actually to me it is racist and exclusionary.
so if they don't have to accept legal tender what is the currency for said business? sex? then how do they pay taxes on that?? .. oh ... i get it now...
How is it racist if the decision isnt based on your race? I mean one of the earlier posters was saying it would affect primarily black people. but youre white (which means its impossible to be racist against you right?) so...
Business are required to keep records of sales. So if you paid in sex (which is illegal itself btw) they would have to report that to the IRS. But that strawman aside they accept other forms of payment...that are related to U.S. currency. I.E. a check, debit, or credit. Debit is essentially cash just without all the mess.
When I read that he claimed it's racist, I immediately thought "must be black". So I looked him up and yup, he's black. Now I'm not a racist, but I have noticed that black people in the US pull out the racist card VERY fast. And this is very isolated to only the US. Coming from Europe, this seems ridiculous to me and getting out of hand. It doesn't happen over here.
I follow tennis and the black tennis superstar Serena Williams created a rather nasty situation. Every white male who tried to criticize her ended up being called racist by the black fans (even though she was clearly acting like a spoiled child). It's getting ridiculous. Also, racism can be black on white, not just white on <insert other race>.
well op said every black person he/she knew had credit/debit cards so obviously it must be racitst towards other races that don't, like whites?
I don't believe you.
There is no reason you can't have a bank account and debit card. Certain banks may not deal with you if you have an absurdly low credit rating but there are countless banks. Also, nobody else messed up your credit.
It's legal....because there is no law that places of business must take physical cash in exchange for goods/services. We're also talking about private businesses which do not owe you their products/services. You have no claim to them. Calling this exclusionary is silly and smacks of entitlement. Calling it racist is just...ugh.
A post cashless society is very dystopian in practice. Surrenders an enormous amount of individual power.
Just look how casually you can lose your job kicked out of university, or banned from social media for speaking wrongthink. Now imagine all your purchases shutdown ? Or your wartime fuel or food rations exceed approved limits. Buy a gun in a leftist state or an abortion in a theocracy or junkfood in a fascist state and the level to which they can make you a non person is dystopian.
See China's new social credit scheme.
It's all your worst nightmares turned into reality.
I know. Freaky. My cynical side says it's just a matter of time plus real, manufactured, or hyped "crisis" until we get some form of that here probably within our lifetime.
Does America not have like bank cards? Cards attached your account that don't go through a third party and are essentially free?
Do they not work everywhere? How do you live?
I don't really know your story but you can always get a bank account unless the reason you're refusing to get one is because there is an outstanding judgement against you and you're afraid of paying back money you actually owe. Secondarily, because you can get a bank account, you can get a debit card since there is no line of credit associated with this. Finally, you can always get something like a GreenDot prepaid credit card which would also give you access to the Visa network without actually being credit worthy.
Do banks and credit unions offer debit cards in the USA, or js it just credit all the way?
It is kind of amazing, I consider myself to be very poor and slow at mental arithmetic. But a few times now, cashiers have taken my note+coin and fussed about getting multiple notes and coins, instead of the ONE note that would have made perfect change...
There are both.
Legal tender for all DEBTS. A sale purchase is NOT a debt. You do not take out a loan from a store or restaurant to buy products, the place of business is not fining you. You are making a sales PURCHASE, not paying off a debt owed. It's not rocket science.
Yeah, all you people who are for having to accept cash. You should be forced to work in a stop and rob for while and have to handle some of the disgusting bills that get passed around.
I fully support a cashless society, if only for the improved hygiene of it.
One thing we should all consider in this move to cashless is the folks who depend on their tips to survive. Now a big chunk of that income is taken from you.
Waitresses, bartenders, cabbies, hairdressers and barbers among the many. Not only do they get taxed on their gratuities, the calculated total often pushes them into a higher tax bracket.
Tip with cash if you can.
Tips should be taxed.
Your post supports tax evasion.
I was thinking the same thing. I completely fucked my credit once. I went to a credit Union, got a limited account and after 6 months of not overdrafting had a regular account even though the rest of my credit was still screwed.
Yup. Not too hard.
Unfortunately, some people thrive on being victims.
Do any non minimum wage jobs even pay you by check anymore? Almost every employer I know now requires direct deposit so they dont have to mail checks. I dont know a single person who gets paid in cash though I am sure some do so they can avoid taxes. As for checks the only ones I see doing that are very low wage earners.
No thats not something to consider because you just advocating tax evasion. I am not sure why you think tips should not be taxed but they ARE income. You do know that those waiters/waitresses etc get a wage less than minimum wage in most cases and their tips are what brings them above that right?
BTW tipping is very regressive, classist, and racist. Tipping dates back to the feudal system and is based on noblesse oblige. It has a real dark history (even here in the US). Tipped workers who are non white typically receive LESS in tips than white workers. Also nonwhite patrons generally receive lower quality service than white patrons. http://www.tippingresearch.com/uploads/Business_Considerations_Tipping_final.pdf So yeah dont tip in cash and dont support such a racist method of paying workers. Instead demand that the places you frequent pay their workers minimum wage or include an appropriate service charge.
While what you are staying about tipping is technically true, don't patron establishments where workers rely on tipping if you don't tip. You are simply screwing the person providing the service over and not affecting the business in any way. Don't punish the person who has no control over it. You have no idea why they are working that job.
What happens when Mastercard decides to unperson you? No Cable, No Internet, No Car, No gas? Too many far lefters getting a few breadcrumbs of what they want out of this. To Many Libertarians or Neo Cons who think 'free' markets are the ends and not the means to an ends which is no longer being served.
I didn't say I didn't tip. I said don't support the establishments that do. I rarely eat out so its usually a noop for me. But if I do eat out and they are a tip based restaurant I tip on the credit card unless its a cash only place and then I had the cash directly to the server. Cash gets stolen. Ive seen "bus boys" pocket it, Ive seen other patrons pick it up off tables. Credit ensures it at least gets something to the server.
No worries, it wasn't clear what you meant. I know far too many anti tip types who eat out or use delivery services all the time and screw over the service provider. It's like "no, you aren't teaching that business anything. You are just screwing that person over because you're a douche."
A) You are advocating tax evasion
B) Your ignorance of being pushed into a higher tax bracket wand what it means is quite telling. You do realize that when you cross into the next bracket, only that income above that bracket is taxed at the higher rate? Or did you think it was all your income? No matter what more income = more money in your pocket.
C) If that being pushed into a higher income level causes them to loses government benefits...not only do you condone tax evasion but you also condone fraud. The point of those programs is to help people who can't get their income up...
But this is all okay because you are "sticking it to the man". To bad the man isn't getting "stuck"...it is the employees that work for them.
It is the same kind of thinking of people refusing overtime because they believe their paycheck will be smaller than if they didn't work the extra 8 hours.
Could be a safety issue. Nothing for a robber to steal. Don't have to worry about employees ripping you off.
Debt is something that is owed or due. When you buy a product or service it is just a debt that is due at time of tender or service.
If you end up with a bad record in ChexSytems or the other banking oriented credit reporting systems, a lot of banks will refuse to open a bank account; however, from a quick search, there are some high profile banks that are known to not check reports or mostly disregard them, or offer second chance accounts; many of these have monthly fees, especially if you don't maintain a balance. Debit cards do present a credit risk for the issuing bank as those systems can run on delayed data during system maintenance, so it's possible to end up with more charges accepted than the customer has on deposit.
This statement is factually incorrect. There is no debt being incurred during a purchase. Derangel has it right.
Holly crap dude! You must be a laugh at a party.
Tips have always been a way of showing gratitude for a service. They aren't an employee of yours, so FUCK the government for digging their hands in the smallest of pockets.
since when does cashless = no interest rates, card fees etc ? Even free points and cash back schemes wants you to SPEND SPEND SPEND ... even the exchange rates for foreign transactions on cards is extremely bad.
do ppl love businesses which they have no financial stake in so much that they will put themselves in a disadvantaged position? seems like it. Damn....
You're still supporting illegal behavior. I don't know what kind of people you associate with and will not make assumptions but dodging taxes doesn't make you 'cool'. It makes you a scumbag and quite possibly, a criminal.
Nearly half of all Americans do not pay federal taxes (payroll tax excluded). If tips bring somebody into a bracket where they should be paying tax even after the EITC, then they absolutely should be paying taxes regardless of how much your heart bleeds for them.
No cash means less chance of robbery.
Also, Obama phones. They have cell phones, smart ones at that.
My take is this is a fuck you to restaurant managers and employees, whom are all of the lower income levels in the city. The politician is just projecting.