无现金社会潮流来袭
概述：话说金钱是万恶之源，“没有”金钱的社会将会是什么样子？
Hints:
Dave Birch
Consult Hyperion
主持：reallyyan
校对：jushua
翻译&注释：baizhixian
答疑：lsy34http://t1.g.hjfile.cn/listen/201204/201204100812213015400.mp3Well, let's go back to basics just what is the point of a cashless society? Human beings have been dealing in cash for many thousands of years. It's how markets, street markets, I mean, work, for example. So why would we want to abandon it? One of the most passionate advocates for a cashless society is Dave Birch, who's a director of Consult Hyperion which advises governments and large companies about electronic money. I asked him to spell out the potential advantages.
"There's an economic efficiency associated with getting rid of cash, that the costs of cash are very high. Even in the most developed countries it costs a lot of money. So have the ATMs and security guards and bank vaults and armoured cars going around, so just the cost of cash is too high. And of course that cost is very unevenly distributed, because it falls very heavily on the poor. If you are trapped in a cash economy then having to walk for two hours to pay a utility bill is something that the rich never encounter, they never come across. But there is a second factor as well which I think has a lot to do with fairness. So in great parts of the world, cash is nothing to do with commerce, trade, prosperity. It's to do with corruption and crime and money laundering and drug dealing. And the economic inefficiencies that it introduces into societies can be crippling."好，我们回到最基本的方面。无钞化社会的关键是什么呢?人类使用现金进行交易已经好几千年。这是市场，街市如何运作的关键。那么，我们为何要放弃现金呢? 海波龙咨询公司(Consult Hyperion)的主管戴夫•伯奇(Dave Birch)是最热忱的无钞化社会倡导者之一，海波龙是一家为政府和大公司使用电子货币交易提供建议的公司。我请他详细说下无钞化社会的潜在优势。
"有一种经济效益与不使用现金有关，现金的使用成本非常高。即便是在最发达的国家同样代价不菲。现金使用需要自动取款机，保安人员，银行金库和运钞车，这些成本都很高。并且这些成本的分配很不公平，因为它会对穷人造成很大的负担。如果你处于现金经济社会，你会步行两小时去付账单，而此类事情富人从不会碰到。第二种原因，我认为和公平非常相关。在世上大多数地方，现金与商业、贸易、繁荣无关，与腐败，犯罪，洗钱和贩毒倒有关系。由此造成的经济效率低下会使社会裹足不前。"
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