24-06-2009, 05:41 PM
There have been three articles recently suggesting that the cashless society is coming, to Holland, Japan and Australia.
There are already people who have had microchip implants so that they can pay for drinks in clubs with their chips, which was promoted by Spain's Big Brother contestants:
(4mins 21s)
Is the cashless society a step in the direction of a microchipped population?
There have also been many mainstream articles hinting at the microchip agenda. And recently there have even been various hints at the later stages; transhumanism and "upgrades" i.e. brain chips.
There is a lot of information about this agenda here.
-----
Here is a particularly revealing article about the unfolding of the microchip agenda:
A generation is all they need
Toronto Star | Dec. 10, 2006
By KEVIN HAGGERTY
![[Image: verichip.jpg]](http://www.newciv.org/pic/nl/artpic/195/188/verichip.jpg)
One day we will all happily be implanted with microchips, and our every move will be monitored. The technology exists; the only barrier is society’s resistance to the loss of privacy
By the time my four-year-old son is swathed in the soft flesh of old age, he will likely find it unremarkable that he and almost everyone he knows will be permanently implanted with a microchip. Automatically tracking his location in real time, it will connect him with databases monitoring and recording his smallest behavioural traits.
Most people anticipate such a prospect with a sense of horrified disbelief, dismissing it as a science-fiction fantasy. The technology, however, already exists. For years humane societies have implanted all the pets that leave their premises with a small identifying microchip. As well, millions of consumer goods are now traced with tiny radio frequency identification chips that allow satellites to reveal their exact location.
A select group of people are already “chipped” with devices that automatically open doors, turn on lights, and perform other low-level miracles. Prominent among such individuals is researcher Kevin Warwick of Reading University in England; Warwick is a leading proponent of the almost limitless potential uses for such chips.
Other users include the patrons of the Baja Beach Club in Barcelona, many of whom have paid about $150 (U.S.) for the privilege of being implanted with an identifying chip that allows them to bypass lengthy club queues and purchase drinks by being scanned. These individuals are the advance guard of an effort to expand the technology as widely as possible.
From this point forward, microchips will become progressively smaller, less invasive, and easier to deploy. Thus, any realistic barrier to the wholesale “chipping” of Western citizens is not technological but cultural. It relies upon the visceral reaction against the prospect of being personally marked as one component in a massive human inventory.
Today we might strongly hold such beliefs, but sensibilities can, and probably will, change. How this remarkable attitudinal transformation is likely to occur is clear to anyone who has paid attention to privacy issues over the past quarter-century. There will be no 3 a.m. knock on the door by storm troopers come to force implants into our bodies. The process will be more subtle and cumulative, couched in the unassailable language of progress and social betterment, and mimicking many of the processes that have contributed to the expansion of closed-circuit television cameras and the corporate market in personal data.
A series of tried and tested strategies will be marshalled to familiarize citizens with the technology. These will be coupled with efforts to pressure tainted social groups and entice the remainder of the population into being chipped.
This, then, is how the next generation will come to be microchipped.
It starts in distant countries. Having tested the technology on guinea pigs, both human and animal, the first widespread use of human implanting will occur in nations at the periphery of the Western world. Such developments are important in their own right, but their international significance pertains to how they familiarize a global audience with the technology and habituate them to the idea that chipping represents a potential future.
An increasing array of hypothetical chipping scenarios will also be depicted in entertainment media, furthering the familiarization process.
In the West, chips will first be implanted in members of stigmatized groups. Pedophiles are the leading candidate for this distinction, although it could start with terrorists, drug dealers, or whatever happens to be that year’s most vilified criminals. Short-lived promises will be made that the technology will only be used on the “worst of the worst.” In fact, the wholesale chipping of incarcerated individuals will quickly ensue, encompassing people on probation and on parole.
Even accused individuals will be tagged, a measure justified on the grounds that it would stop them from fleeing justice. Many prisoners will welcome this development, since only chipped inmates will be eligible for parole, weekend release, or community sentences. From the prison system will emerge an evocative vocabulary distinguishing chippers from non-chippers.
Although the chips will be justified as a way to reduce fraud and other crimes, criminals will almost immediately develop techniques to simulate other people’s chip codes and manipulate their data.
The comparatively small size of the incarcerated population, however, means that prisons would be simply a brief stopover on a longer voyage. Commercial success is contingent on making serious inroads into tagging the larger population of law-abiding citizens. Other stigmatized groups will therefore be targeted. This will undoubtedly entail monitoring welfare recipients, a move justified to reduce fraud, enhance efficiency, and ensure that the poor do not receive “undeserved” benefits.
Once e-commerce is sufficiently advanced, welfare recipients will receive their benefits as electronic vouchers stored on their microchips, a policy that will be tinged with a sense of righteousness, as it will help ensure that clients can only purchase government-approved goods from select merchants, reducing the always disconcerting prospect that poor people might use their limited funds to purchase alcohol or tobacco.
Civil libertarians will try to foster a debate on these developments. Their attempts to prohibit chipping will be handicapped by the inherent difficulty in animating public sympathy for criminals and welfare recipients — groups that many citizens are only too happy to see subjected to tighter regulation. Indeed, the lesser public concern for such groups is an inherent part of the unarticulated rationale for why coerced chipping will be disproportionately directed at the stigmatized.
The official privacy arm of the government will now take up the issue. Mandated to determine the legality of such initiatives, privacy commissioners and Senate Committees will produce a forest of reports presented at an archipelago of international conferences. Hampered by lengthy research and publication timelines, their findings will be delivered long after the widespread adoption of chipping is effectively a fait accompli. The research conclusions on the effectiveness of such technologies will be mixed and open to interpretation.
Officials will vociferously reassure the chipping industry that they do not oppose chipping itself, which has fast become a growing commercial sector. Instead, they are simply seeking to ensure that the technology is used fairly and that data on the chips is not misused. New policies will be drafted.
——————————————————————————–
What might Hitler, Mao or Milosevic have accomplished if their citizens were chipped, coded, and remotely monitored?
——————————————————————————–
Employers will start to expect implants as a condition of getting a job. The U.S. military will lead the way, requiring chips for all soldiers as a means to enhance battlefield command and control — and to identify human remains. From cooks to commandos, every one of the more than one million U.S. military personnel will see microchips replace their dog tags.
Following quickly behind will be the massive security sector. Security guards, police officers, and correctional workers will all be expected to have a chip. Individuals with sensitive jobs will find themselves in the same position.
The first signs of this stage are already apparent. In 2004, the Mexican attorney general’s office started implanting employees to restrict access to secure areas. The category of “sensitive occupation” will be expansive to the point that anyone with a job that requires keys, a password, security clearance, or identification badge will have those replaced by a chip.
Judges hearing cases on the constitutionality of these measures will conclude that chipping policies are within legal limits. The thin veneer of “voluntariness” coating many of these programs will allow the judiciary to maintain that individuals are not being coerced into using the technology.
In situations where the chips are clearly forced on people, the judgments will deem them to be undeniable infringements of the right to privacy. However, they will then invoke the nebulous and historically shifting standard of “reasonableness” to pronounce coerced chipping a reasonable infringement on privacy rights in a context of demands for governmental efficiency and the pressing need to enhance security in light of the still ongoing wars on terror, drugs, and crime.
At this juncture, an unfortunately common tragedy of modern life will occur: A small child, likely a photogenic toddler, will be murdered or horrifically abused. It will happen in one of the media capitals of the Western world, thereby ensuring non-stop breathless coverage. Chip manufactures will recognize this as the opportunity they have been anticipating for years. With their technology now largely bug-free, familiar to most citizens and comparatively inexpensive, manufacturers will partner with the police to launch a high-profile campaign encouraging parents to implant their children “to ensure your own peace of mind.”
Special deals will be offered. Implants will be free, providing the family registers for monitoring services. Loving but unnerved parents will be reassured by the ability to integrate tagging with other functions on their PDA so they can see their child any time from any place.
Paralleling these developments will be initiatives that employ the logic of convenience to entice the increasingly small group of holdouts to embrace the now common practice of being tagged. At first, such convenience tagging will be reserved for the highest echelon of Western society, allowing the elite to move unencumbered through the physical and informational corridors of power. Such practices will spread more widely as the benefits of being chipped become more prosaic. Chipped individuals will, for example, move more rapidly through customs.
Indeed, it will ultimately become a condition of using mass-transit systems that officials be allowed to monitor your chip. Companies will offer discounts to individuals who pay by using funds stored on their embedded chip, on the small-print condition that the merchant can access large swaths of their personal data. These “discounts” are effectively punitive pricing schemes, charging unchipped individuals more as a way to encourage them to submit to monitoring. Corporations will seek out the personal data in hopes of producing ever more fine-grained customer profiles for marketing purposes, and to sell to other institutions.
By this point all major organizations will be looking for opportunities to capitalize on the possibilities inherent in an almost universally chipped population. The uses of chips proliferate, as do the types of discounts. Each new generation of household technology becomes configured to operate by interacting with a person’s chip.
Finding a computer or appliance that will run though old-fashioned “hands-on”‘ interactions becomes progressively more difficult and costly. Patients in hospitals and community care will be routinely chipped, allowing medical staff — or, more accurately, remote computers — to monitor their biological systems in real time.
Eager to reduce the health costs associated with a largely docile citizenry, authorities will provide tax incentives to individuals who exercise regularly. Personal chips will be remotely monitored to ensure that their heart rate is consistent with an exercise regime.
By now, the actual process of “chipping” for many individuals will simply involve activating certain functions of their existing chip. Any prospect of removing the chip will become increasingly untenable, as having a chip will be a precondition for engaging in the main dynamics of modern life, such as shopping, voting, and driving.
The remaining holdouts will grow increasingly weary of Luddite jokes and subtle accusations that they have something to hide. Exasperated at repeatedly watching neighbours bypass them in “chipped” lines while they remain subject to the delays, inconveniences, and costs reserved for the unchipped, they too will choose the path of least resistance and get an implant.
In one generation, then, the cultural distaste many might see as an innate reaction to the prospect of having our bodies marked like those of an inmate in a concentration camp will likely fade.
In the coming years some of the most powerful institutional actors in society will start to align themselves to entice, coerce, and occasionally compel the next generation to get an implant.
Now, therefore, is the time to contemplate the unprecedented dangers of this scenario. The most serious of these concern how even comparatively stable modern societies will, in times of fear, embrace treacherous promises. How would the prejudices of a Joe McCarthy, J. Edgar Hoover, or of southern Klansmen — all of whom were deeply integrated into the American political establishment — have manifest themselves in such a world? What might Hitler, Mao or Milosevic have accomplished if their citizens were chipped, coded, and remotely monitored?
Choirs of testimonials will soon start to sing the virtues of implants. Calm reassurances will be forthcoming about democratic traditions, the rule of law, and privacy rights. History, unfortunately, shows that things can go disastrously wrong, and that this happens with disconcerting regularity. Little in the way of international agreements, legality, or democratic sensibilities has proved capable of thwarting single-minded ruthlessness.
“It can’t happen here” has become the whispered swan song of the disappeared. Best to contemplate these dystopian potentials before we proffer the tender forearms of our sons and daughters. While we cannot anticipate all of the positive advantages that might be derived from this technology, the negative prospects are almost too terrifying to contemplate.
'Supermarkets set to refuse cash'
Thursday 11 June 2009
Dutch supermarkets are hoping to phase out the use of cash by 2014, the Financieele Dagblad reports on Thursday, quoting the retail board CBL.
The aim of the ban on cash is to make supermarkets less vulnerable to armed robberies, the paper says.
According to CBL research, 87% of customers support moves to stimulate the use of direct debit cards.
The Telegraaf reports that €10bn of supermarket total turnover of over €30bn last year was in cash. Supermarkets had to deal with 200 'incidents', ranging from a grab at the cash register to armed robbery, the paper said.
Other solutions will be found for customers who do not want to use direct debit cards, a CBL spokesman said. 'Technology is making enormous advances. Trials are also being done with payment by mobile phone, but you can also pay with a finger print or iris scan,' * the spokesman said.
The Dutch consumers association said the move was 'going too far'.
-----
Cash to become extinct as chips take off
By Anthony Keane
The Advertiser
June 15, 2009 06:00am
Bank bosses foresee death of cash
'Cash to be replaced by microchips'
![[Image: 0,,6672896,00.jpg]](http://www.news.com.au/common/imagedata/0,,6672896,00.jpg)
Extinct? ... bank bosses have predicted the decline of cash as transactions are done through microchips
CASH is accelerating down the path to extinction as new technologies threaten to mark the end of loose change within a decade.
Bank and credit union bosses say cash won't be alone, with wallets and credit cards also likely to disappear too.
They told The Advertiser's round table forum that cash and cards will be replaced by computer chips embedded in mobile phones, watches or other portable devices.
Australian Central chief executive Peter Evers believes cash will be replaced for most transactions in five-to-seven years.
"Cash will disappear as there will be other forms of carrying cash, stored value in your phone or whatever it might be. It will transfer automatically," he said.
"We're very close in countries around the world. If you go in to Hong Kong or Singapore, the low-value transactions have already disappeared. You can't go anywhere, like on public transport, without pre-purchasing a card.
"I think the Australian Payment Systems Board is very much on top of it and is trying to move down a path, but hasn't publicly put things into place yet."
BankSA general manager strategy and operations Chris Ward expects Australia to follow the offshore lead, with small cash transactions disappearing first.
"So you can't go and buy a bottle of water from the deli with cash; you've got to go and buy it with your chip," he said.
Bendigo and Adelaide Bank state manager SA/NT John Oliver said it was easier for retailers to use electronic transactions than manual cash transactions.
Savings & Loans chief executive Greg Connor said the concept of the wallet would go.
"Whereas now we have a wallet and purse, it will be a chip in your phone or your watch or something like that as your access," he said.
Mr Evers said credit cards were on the way out as well.
"The access to credit is still going to be there through the mobile phone, but you don't need the card because that's really only a means of identification," he said.
"There could be another way of identifying, but the product, revolving credit, will still sit there."
From The Times
June 19, 2009
To fight deflation, abolish cash. Could Japan make reality of ‘science fiction’?
Leo Lewis Asia Business Correspondent
With recovery elusive, a population doddering into old age and perhaps a decade of deflation in prospect, Japan may start mulling the most radical monetary policy of all — the abolition of cash.
Unorthodox, untried and, said one Bank of Tokyo Mitsubishi strategist, “in the realms of economic science fiction”, the recommendation has nevertheless begun floating around Tokyo’s corridors of power and economists have described Japan as particularly suitable as a testing ground.
The search for more outré economic policies continues, despite the recent surge in the Nikkei 225 index.The market may be reflecting soaring Chinese investment, rising consumer confidence and other cheerful data but economists see few long-term beacons of hope for Japan.
Other extreme ideas mooted by the financial authorities include a tax on physical currency or introducing one to operate alongside the yen.
All three ideas are based on a theory concerning interest rates and the concept that a nominal rate of zero — as Japan has now lived with for much of the past decade — may be too high. In Japan’s case, the theory would suggest that nominal rates of -4 per cent might be closer to what is required to rescue the economy from another deflationary spiral. Having agreed that this might be necessary, the next question is how it could be imposed.
Several MPs in the ruling Liberal Democratic Party believe the abolition of cash, though politically radioactive, might be technically feasible. Richard Jerram, a senior economist with Macquarie bank, told investors that “the proposal has become practical with the broad penetration of electronic money and credit cards in Japan”.
He said that all the proposals were radical but worth consideration for Japan. Without physical cash, a central bank can set rates exactly where it likes, runs the argument. Mr Jerram said: “At the heart of the problem of achieving negative nominal interest rates is the idea that physical currency is an anonymous bearer bond with a nominal interest rate of zero.” While a central bank can impose positive or negative rates on non-physical assets, transmitting those rates to physical currency is a huge challenge. By permanently removing cash from a system, he added, policymakers are robbed of the excuse that zero is the lowest that nominal rates can go as a deflation-fighting tool.
In theory, many Japanese could easily make the leap into a cashless world. The country has six main competing cashless payment systems, many of them embedded into mobile phones. Including Oyster-type cards issued by public transport companies, industry sources estimate that there are about 120 million cashless payment chips sitting in Japan’s wallets and handbags, waiting to be swiped.
Nevertheless, the country remains a wholeheartedly cash-based consumer society. Currency in circulation is about 16 per cent of its GDP, compared with the levels of 2 to 3 per cent in most developed countries. Reducing that 16 per cent to zero would be a wrench but would come with considerable benefits, Mr Jerram said.
But just as Japan’s cultural attachment to cash may prove hard to dislodge, some economists believe that the same may be true of deflation. The country’s growing population of elderly people mainly hold cash or cash equivalents and, compared with its US and European counterparts, the Bank of Japan has come under virtually no political pressure to be more belligerent in its war on deflation. It is unlikely, added Mr Jerram, to brook anything as radical as abolishing cash.
-----
Aaron Russo made the film America: From Freedom To Fascism, in which he was threatened by Sheldon Cohen, former IRS Commissioner and author of the tax code. A few months later Russo was dead. His death was reported as having been the inevitable result of a long-term battle with cancer, which may or may not be the truth.
Before he died Russo was interviewed by Alex Jones. This is a shortened version of that interview:
(15mins)
There are already people who have had microchip implants so that they can pay for drinks in clubs with their chips, which was promoted by Spain's Big Brother contestants:
(4mins 21s)
Is the cashless society a step in the direction of a microchipped population?
There have also been many mainstream articles hinting at the microchip agenda. And recently there have even been various hints at the later stages; transhumanism and "upgrades" i.e. brain chips.
There is a lot of information about this agenda here.
-----
Here is a particularly revealing article about the unfolding of the microchip agenda:
A generation is all they need
Toronto Star | Dec. 10, 2006
By KEVIN HAGGERTY
![[Image: verichip.jpg]](http://www.newciv.org/pic/nl/artpic/195/188/verichip.jpg)
One day we will all happily be implanted with microchips, and our every move will be monitored. The technology exists; the only barrier is society’s resistance to the loss of privacy
By the time my four-year-old son is swathed in the soft flesh of old age, he will likely find it unremarkable that he and almost everyone he knows will be permanently implanted with a microchip. Automatically tracking his location in real time, it will connect him with databases monitoring and recording his smallest behavioural traits.
Most people anticipate such a prospect with a sense of horrified disbelief, dismissing it as a science-fiction fantasy. The technology, however, already exists. For years humane societies have implanted all the pets that leave their premises with a small identifying microchip. As well, millions of consumer goods are now traced with tiny radio frequency identification chips that allow satellites to reveal their exact location.
A select group of people are already “chipped” with devices that automatically open doors, turn on lights, and perform other low-level miracles. Prominent among such individuals is researcher Kevin Warwick of Reading University in England; Warwick is a leading proponent of the almost limitless potential uses for such chips.
Other users include the patrons of the Baja Beach Club in Barcelona, many of whom have paid about $150 (U.S.) for the privilege of being implanted with an identifying chip that allows them to bypass lengthy club queues and purchase drinks by being scanned. These individuals are the advance guard of an effort to expand the technology as widely as possible.
From this point forward, microchips will become progressively smaller, less invasive, and easier to deploy. Thus, any realistic barrier to the wholesale “chipping” of Western citizens is not technological but cultural. It relies upon the visceral reaction against the prospect of being personally marked as one component in a massive human inventory.
Today we might strongly hold such beliefs, but sensibilities can, and probably will, change. How this remarkable attitudinal transformation is likely to occur is clear to anyone who has paid attention to privacy issues over the past quarter-century. There will be no 3 a.m. knock on the door by storm troopers come to force implants into our bodies. The process will be more subtle and cumulative, couched in the unassailable language of progress and social betterment, and mimicking many of the processes that have contributed to the expansion of closed-circuit television cameras and the corporate market in personal data.
A series of tried and tested strategies will be marshalled to familiarize citizens with the technology. These will be coupled with efforts to pressure tainted social groups and entice the remainder of the population into being chipped.
This, then, is how the next generation will come to be microchipped.
It starts in distant countries. Having tested the technology on guinea pigs, both human and animal, the first widespread use of human implanting will occur in nations at the periphery of the Western world. Such developments are important in their own right, but their international significance pertains to how they familiarize a global audience with the technology and habituate them to the idea that chipping represents a potential future.
An increasing array of hypothetical chipping scenarios will also be depicted in entertainment media, furthering the familiarization process.
In the West, chips will first be implanted in members of stigmatized groups. Pedophiles are the leading candidate for this distinction, although it could start with terrorists, drug dealers, or whatever happens to be that year’s most vilified criminals. Short-lived promises will be made that the technology will only be used on the “worst of the worst.” In fact, the wholesale chipping of incarcerated individuals will quickly ensue, encompassing people on probation and on parole.
Even accused individuals will be tagged, a measure justified on the grounds that it would stop them from fleeing justice. Many prisoners will welcome this development, since only chipped inmates will be eligible for parole, weekend release, or community sentences. From the prison system will emerge an evocative vocabulary distinguishing chippers from non-chippers.
Although the chips will be justified as a way to reduce fraud and other crimes, criminals will almost immediately develop techniques to simulate other people’s chip codes and manipulate their data.
The comparatively small size of the incarcerated population, however, means that prisons would be simply a brief stopover on a longer voyage. Commercial success is contingent on making serious inroads into tagging the larger population of law-abiding citizens. Other stigmatized groups will therefore be targeted. This will undoubtedly entail monitoring welfare recipients, a move justified to reduce fraud, enhance efficiency, and ensure that the poor do not receive “undeserved” benefits.
Once e-commerce is sufficiently advanced, welfare recipients will receive their benefits as electronic vouchers stored on their microchips, a policy that will be tinged with a sense of righteousness, as it will help ensure that clients can only purchase government-approved goods from select merchants, reducing the always disconcerting prospect that poor people might use their limited funds to purchase alcohol or tobacco.
Civil libertarians will try to foster a debate on these developments. Their attempts to prohibit chipping will be handicapped by the inherent difficulty in animating public sympathy for criminals and welfare recipients — groups that many citizens are only too happy to see subjected to tighter regulation. Indeed, the lesser public concern for such groups is an inherent part of the unarticulated rationale for why coerced chipping will be disproportionately directed at the stigmatized.
The official privacy arm of the government will now take up the issue. Mandated to determine the legality of such initiatives, privacy commissioners and Senate Committees will produce a forest of reports presented at an archipelago of international conferences. Hampered by lengthy research and publication timelines, their findings will be delivered long after the widespread adoption of chipping is effectively a fait accompli. The research conclusions on the effectiveness of such technologies will be mixed and open to interpretation.
Officials will vociferously reassure the chipping industry that they do not oppose chipping itself, which has fast become a growing commercial sector. Instead, they are simply seeking to ensure that the technology is used fairly and that data on the chips is not misused. New policies will be drafted.
——————————————————————————–
What might Hitler, Mao or Milosevic have accomplished if their citizens were chipped, coded, and remotely monitored?
——————————————————————————–
Employers will start to expect implants as a condition of getting a job. The U.S. military will lead the way, requiring chips for all soldiers as a means to enhance battlefield command and control — and to identify human remains. From cooks to commandos, every one of the more than one million U.S. military personnel will see microchips replace their dog tags.
Following quickly behind will be the massive security sector. Security guards, police officers, and correctional workers will all be expected to have a chip. Individuals with sensitive jobs will find themselves in the same position.
The first signs of this stage are already apparent. In 2004, the Mexican attorney general’s office started implanting employees to restrict access to secure areas. The category of “sensitive occupation” will be expansive to the point that anyone with a job that requires keys, a password, security clearance, or identification badge will have those replaced by a chip.
Judges hearing cases on the constitutionality of these measures will conclude that chipping policies are within legal limits. The thin veneer of “voluntariness” coating many of these programs will allow the judiciary to maintain that individuals are not being coerced into using the technology.
In situations where the chips are clearly forced on people, the judgments will deem them to be undeniable infringements of the right to privacy. However, they will then invoke the nebulous and historically shifting standard of “reasonableness” to pronounce coerced chipping a reasonable infringement on privacy rights in a context of demands for governmental efficiency and the pressing need to enhance security in light of the still ongoing wars on terror, drugs, and crime.
At this juncture, an unfortunately common tragedy of modern life will occur: A small child, likely a photogenic toddler, will be murdered or horrifically abused. It will happen in one of the media capitals of the Western world, thereby ensuring non-stop breathless coverage. Chip manufactures will recognize this as the opportunity they have been anticipating for years. With their technology now largely bug-free, familiar to most citizens and comparatively inexpensive, manufacturers will partner with the police to launch a high-profile campaign encouraging parents to implant their children “to ensure your own peace of mind.”
Special deals will be offered. Implants will be free, providing the family registers for monitoring services. Loving but unnerved parents will be reassured by the ability to integrate tagging with other functions on their PDA so they can see their child any time from any place.
Paralleling these developments will be initiatives that employ the logic of convenience to entice the increasingly small group of holdouts to embrace the now common practice of being tagged. At first, such convenience tagging will be reserved for the highest echelon of Western society, allowing the elite to move unencumbered through the physical and informational corridors of power. Such practices will spread more widely as the benefits of being chipped become more prosaic. Chipped individuals will, for example, move more rapidly through customs.
Indeed, it will ultimately become a condition of using mass-transit systems that officials be allowed to monitor your chip. Companies will offer discounts to individuals who pay by using funds stored on their embedded chip, on the small-print condition that the merchant can access large swaths of their personal data. These “discounts” are effectively punitive pricing schemes, charging unchipped individuals more as a way to encourage them to submit to monitoring. Corporations will seek out the personal data in hopes of producing ever more fine-grained customer profiles for marketing purposes, and to sell to other institutions.
By this point all major organizations will be looking for opportunities to capitalize on the possibilities inherent in an almost universally chipped population. The uses of chips proliferate, as do the types of discounts. Each new generation of household technology becomes configured to operate by interacting with a person’s chip.
Finding a computer or appliance that will run though old-fashioned “hands-on”‘ interactions becomes progressively more difficult and costly. Patients in hospitals and community care will be routinely chipped, allowing medical staff — or, more accurately, remote computers — to monitor their biological systems in real time.
Eager to reduce the health costs associated with a largely docile citizenry, authorities will provide tax incentives to individuals who exercise regularly. Personal chips will be remotely monitored to ensure that their heart rate is consistent with an exercise regime.
By now, the actual process of “chipping” for many individuals will simply involve activating certain functions of their existing chip. Any prospect of removing the chip will become increasingly untenable, as having a chip will be a precondition for engaging in the main dynamics of modern life, such as shopping, voting, and driving.
The remaining holdouts will grow increasingly weary of Luddite jokes and subtle accusations that they have something to hide. Exasperated at repeatedly watching neighbours bypass them in “chipped” lines while they remain subject to the delays, inconveniences, and costs reserved for the unchipped, they too will choose the path of least resistance and get an implant.
In one generation, then, the cultural distaste many might see as an innate reaction to the prospect of having our bodies marked like those of an inmate in a concentration camp will likely fade.
In the coming years some of the most powerful institutional actors in society will start to align themselves to entice, coerce, and occasionally compel the next generation to get an implant.
Now, therefore, is the time to contemplate the unprecedented dangers of this scenario. The most serious of these concern how even comparatively stable modern societies will, in times of fear, embrace treacherous promises. How would the prejudices of a Joe McCarthy, J. Edgar Hoover, or of southern Klansmen — all of whom were deeply integrated into the American political establishment — have manifest themselves in such a world? What might Hitler, Mao or Milosevic have accomplished if their citizens were chipped, coded, and remotely monitored?
Choirs of testimonials will soon start to sing the virtues of implants. Calm reassurances will be forthcoming about democratic traditions, the rule of law, and privacy rights. History, unfortunately, shows that things can go disastrously wrong, and that this happens with disconcerting regularity. Little in the way of international agreements, legality, or democratic sensibilities has proved capable of thwarting single-minded ruthlessness.
“It can’t happen here” has become the whispered swan song of the disappeared. Best to contemplate these dystopian potentials before we proffer the tender forearms of our sons and daughters. While we cannot anticipate all of the positive advantages that might be derived from this technology, the negative prospects are almost too terrifying to contemplate.
'Supermarkets set to refuse cash'
Thursday 11 June 2009
Dutch supermarkets are hoping to phase out the use of cash by 2014, the Financieele Dagblad reports on Thursday, quoting the retail board CBL.
The aim of the ban on cash is to make supermarkets less vulnerable to armed robberies, the paper says.
According to CBL research, 87% of customers support moves to stimulate the use of direct debit cards.
The Telegraaf reports that €10bn of supermarket total turnover of over €30bn last year was in cash. Supermarkets had to deal with 200 'incidents', ranging from a grab at the cash register to armed robbery, the paper said.
Other solutions will be found for customers who do not want to use direct debit cards, a CBL spokesman said. 'Technology is making enormous advances. Trials are also being done with payment by mobile phone, but you can also pay with a finger print or iris scan,' * the spokesman said.
The Dutch consumers association said the move was 'going too far'.
-----
Cash to become extinct as chips take off
By Anthony Keane
The Advertiser
June 15, 2009 06:00am
Bank bosses foresee death of cash
'Cash to be replaced by microchips'
![[Image: 0,,6672896,00.jpg]](http://www.news.com.au/common/imagedata/0,,6672896,00.jpg)
Extinct? ... bank bosses have predicted the decline of cash as transactions are done through microchips
CASH is accelerating down the path to extinction as new technologies threaten to mark the end of loose change within a decade.
Bank and credit union bosses say cash won't be alone, with wallets and credit cards also likely to disappear too.
They told The Advertiser's round table forum that cash and cards will be replaced by computer chips embedded in mobile phones, watches or other portable devices.
Australian Central chief executive Peter Evers believes cash will be replaced for most transactions in five-to-seven years.
"Cash will disappear as there will be other forms of carrying cash, stored value in your phone or whatever it might be. It will transfer automatically," he said.
"We're very close in countries around the world. If you go in to Hong Kong or Singapore, the low-value transactions have already disappeared. You can't go anywhere, like on public transport, without pre-purchasing a card.
"I think the Australian Payment Systems Board is very much on top of it and is trying to move down a path, but hasn't publicly put things into place yet."
BankSA general manager strategy and operations Chris Ward expects Australia to follow the offshore lead, with small cash transactions disappearing first.
"So you can't go and buy a bottle of water from the deli with cash; you've got to go and buy it with your chip," he said.
Bendigo and Adelaide Bank state manager SA/NT John Oliver said it was easier for retailers to use electronic transactions than manual cash transactions.
Savings & Loans chief executive Greg Connor said the concept of the wallet would go.
"Whereas now we have a wallet and purse, it will be a chip in your phone or your watch or something like that as your access," he said.
Mr Evers said credit cards were on the way out as well.
"The access to credit is still going to be there through the mobile phone, but you don't need the card because that's really only a means of identification," he said.
"There could be another way of identifying, but the product, revolving credit, will still sit there."
From The Times
June 19, 2009
To fight deflation, abolish cash. Could Japan make reality of ‘science fiction’?
Leo Lewis Asia Business Correspondent
With recovery elusive, a population doddering into old age and perhaps a decade of deflation in prospect, Japan may start mulling the most radical monetary policy of all — the abolition of cash.
Unorthodox, untried and, said one Bank of Tokyo Mitsubishi strategist, “in the realms of economic science fiction”, the recommendation has nevertheless begun floating around Tokyo’s corridors of power and economists have described Japan as particularly suitable as a testing ground.
The search for more outré economic policies continues, despite the recent surge in the Nikkei 225 index.The market may be reflecting soaring Chinese investment, rising consumer confidence and other cheerful data but economists see few long-term beacons of hope for Japan.
Other extreme ideas mooted by the financial authorities include a tax on physical currency or introducing one to operate alongside the yen.
All three ideas are based on a theory concerning interest rates and the concept that a nominal rate of zero — as Japan has now lived with for much of the past decade — may be too high. In Japan’s case, the theory would suggest that nominal rates of -4 per cent might be closer to what is required to rescue the economy from another deflationary spiral. Having agreed that this might be necessary, the next question is how it could be imposed.
Several MPs in the ruling Liberal Democratic Party believe the abolition of cash, though politically radioactive, might be technically feasible. Richard Jerram, a senior economist with Macquarie bank, told investors that “the proposal has become practical with the broad penetration of electronic money and credit cards in Japan”.
He said that all the proposals were radical but worth consideration for Japan. Without physical cash, a central bank can set rates exactly where it likes, runs the argument. Mr Jerram said: “At the heart of the problem of achieving negative nominal interest rates is the idea that physical currency is an anonymous bearer bond with a nominal interest rate of zero.” While a central bank can impose positive or negative rates on non-physical assets, transmitting those rates to physical currency is a huge challenge. By permanently removing cash from a system, he added, policymakers are robbed of the excuse that zero is the lowest that nominal rates can go as a deflation-fighting tool.
In theory, many Japanese could easily make the leap into a cashless world. The country has six main competing cashless payment systems, many of them embedded into mobile phones. Including Oyster-type cards issued by public transport companies, industry sources estimate that there are about 120 million cashless payment chips sitting in Japan’s wallets and handbags, waiting to be swiped.
Nevertheless, the country remains a wholeheartedly cash-based consumer society. Currency in circulation is about 16 per cent of its GDP, compared with the levels of 2 to 3 per cent in most developed countries. Reducing that 16 per cent to zero would be a wrench but would come with considerable benefits, Mr Jerram said.
But just as Japan’s cultural attachment to cash may prove hard to dislodge, some economists believe that the same may be true of deflation. The country’s growing population of elderly people mainly hold cash or cash equivalents and, compared with its US and European counterparts, the Bank of Japan has come under virtually no political pressure to be more belligerent in its war on deflation. It is unlikely, added Mr Jerram, to brook anything as radical as abolishing cash.
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Aaron Russo made the film America: From Freedom To Fascism, in which he was threatened by Sheldon Cohen, former IRS Commissioner and author of the tax code. A few months later Russo was dead. His death was reported as having been the inevitable result of a long-term battle with cancer, which may or may not be the truth.
Before he died Russo was interviewed by Alex Jones. This is a shortened version of that interview:
(15mins)

