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Always use cash from now on, not credit cards


               
2021 Sep 4, 4:36pm   74,484 views  458 comments

by Patrick   follow (60)  

Drove to a restaurant today with my wife and was first of all creeped out to find that they knew my name from my phone number, which I had to give to get on the wait list. They said they use a centralized database of many restaurants for that.

They have a window where you can order a beer while you are waiting. So I ordered a beer and they refused to take cash.

OK, I wanted the beer, so I paid with a credit card. Then the total had an extra $1.50 on it. I asked about that and was told that I added a tip. I specifically did not add a tip because I was pissed that they don't take cash.

I got the manager and made him remove the tip.

We are rapidly approaching the CCP utopia of complete tracking of all citizens at all times.

Lesson: call ahead and make sure a restaurant will take cash. If they will not, don't go there.

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419   Patrick   2025 Jan 14, 11:31am  

Nah, it's pretty damn hard to trace cash because it passes around so much.
420   WookieMan   2025 Jan 14, 11:44am  

Patrick says

Nah, it's pretty damn hard to trace cash because it passes around so much.

Look at a dollar bill. The serial number is scanned every time. Out and then in. Wookie took out $100 and then spent $100 at Target. They won't know the items, but it's traceable from beginning to end. 100%. Those 5 $20's came out of x ATM and was spent at y store.

Cash is only good if you launder it. Open a business where you only collect cash and only pay with cash. A regular citizen paying cash isn't protection. Nutt left the site, but he was delusional on the topic, so hopefully you didn't take his advice.
421   Patrick   2025 Jan 14, 11:56am  

I'm saying that daily use of cash is effectively laundering. Most businesses don't scan serial numbers on bills.
424   WookieMan   2025 Apr 18, 6:17am  

Do you invest? What's the difference between a CC and investing? There is none. You have no control over your money. So I'm not sure the point. Any company could pull the rug out from under you at anytime.

With a CC I just don't pay it if I don't want to. I don't have to BK. With cash it's just gone. No recourse if you were screwed. Pay my CC off every month and I get over $8k in tax free benefits. I don't and haven't seen the benefits of cash ever besides gambling. A 2% fee, if even charged is trivial to the 10-15% back I make. Again tax free. For me it's actually about 24% of free rewards.
425   stereotomy   2025 Apr 18, 6:49am  

^^^^
This. I only pay cash to the mom & pop places. Get the right card and you can easily rack up 20% back. There are so many protections written into law for credit cards, mostly because the banks wanted people to be able to pay over the phone as opposed to physically presenting the card to be swiped:

Fair Debt Collection Practices Act
Fair Credit Reporting Act
Fair Credit Billing Act

For bank transfers (not cash), you have Regulation E.
426   Patrick   2025 Apr 18, 10:32am  

WookieMan says


So I'm not sure the point.


There are a few points:

- to be able to still buy food if the US goes full Canada and blocks the credit cards of people who object to globalization and death jab mandates

- to make it harder to track my daily locations

- to make it harder to track my personal preferences in shopping

- as a symbolic statement that I object to centralized technocratic control over every aspect of life, the way it is in China
427   PeopleUnited   2025 Apr 18, 7:31pm  

When payments become 100% digital (notice I said when not if), there will be nothing to prevent the wealthy from forcing their working class slaves to do their every bidding.

Money is liberty, money is security, money is the lifeblood of freedom of choice. When people lose control of their money, they have lost control of their life. Paper, coins, checks, or some form of payment that can’t be regulated by the wealthy is necessary for the lower and middle class to maintain their autonomy.
428   WookieMan   2025 Apr 18, 8:55pm  

Patrick says


- to make it harder to track my daily locations

What year car do you have? If it's about 2010 or newer they can track your location even if you have a base/simple model. They can turn warning lights on to make you go to the dealer.

Patrick says


- to make it harder to track my personal preferences in shopping

I don't know why people care about this. I've stopped shopping recently, but my shopping history is hysterical. I've bought stuff like insertable vibrators for the wife I can control from the phone. Then I'll buy a breakfast sandwich maker. Meat thermometer. I'll order cheese from Wisconsin. Vitamins. If you buy data I'm a conundrum. You don't sell to me. I get more finance ads than anything. I already have my points cards so I don't have a need to open new ones.

Nuttboxer would complain abut this when he was around but I just don't care. I'm not doing anything illegal.

Patrick says


- to be able to still buy food if the US goes full Canada and blocks the credit cards of people who object to globalization and death jab mandates

No US based bank would EVER block your CC. They want you to keep it open to find the idiots that will pay 25% interest. I'd be more worried about you bank account and that getting cut off, then you're forced to pay the interest.

Also, I could live for 2 years, no job on CC's and pay no interest. It's an insurance policy to have money if things get tight. Still have I think about $30-40k cash savings. Our CC limits probably total $170k roughly. Cash value about $80k. If people pay interest on those levels they're not shutting the cards off (we pay on time). Credit card companies hate me.
429   Patrick   2025 May 4, 6:55pm  

https://www.petersweden.org/p/they-rejected-cashless-agenda


They REJECTED cashless agenda

Shops in Norway that refuse to accept cash now risk major fines.

We are finally seeing a reversal in the cashless agenda that has been ongoing for quite some time now.

As you might know, in Sweden, people have already gone so far that they have injected microchips in their bodies to use for cashless payments. Absolutely crazy.

But now Norway has gone against the cashless agenda.

From the 1st of May, shops that refuse to accept physical cash as payment risk massive fines.

If shops refuse to accept cash, they can be fined up to 4% of their revenue or up to $2.4 million.

The reason for this is to ensure that everyone can pay even if they don’t feel comfortable with digital payments, and to ensure security and preparedness in case of special situations, as we just saw happen in Spain with massive blackouts.

What happens if all power goes away and nobody can buy things anymore? That’s a big problem.

But not only Norway is doing this.

Hungary has also gone against the cashless agenda.

The Hungarian parliament recently passed a constitutional amendment ensuring that paying with physical cash is a fundamental right.


Next step: physical metal silver coins must be defined as the currency.
430   HeadSet   2025 May 4, 7:10pm  

Patrick says

paying with physical cash is a fundamental right.

Technically, paying with cash is a fundamental right in the US, but is ignored at many places. Courts have even ruled that a business must even take payment entirely in pennies if tendered that way.
432   Patrick   2025 Jun 8, 1:19pm  

https://earlking56.family.blog/2025/04/01/the-risks-of-a-cashless-society-and-its-impact-on-the-world/


Cash is one of the last man-made means of protection that he or she has against governments that have grown to a degree of power that they never had before.

The Dangers of a Cashless Society
There are two predominant dangers that come with a cashless society, and just about every negative that you can think of due to such will fall into one of these two groups:

1. Denial of purchasing power
2. A complete loss of anonymity
433   WookieMan   2025 Jun 8, 1:59pm  

Patrick says

1. Denial of purchasing power

You can deny purchases if the service or product rendered was not what you thought. I've done that dozens of time. Cash it's gone.

Patrick says

2. A complete loss of anonymity

How does one get cash? ATM 90% of the time. Serial numbers are all scanned there. Even bank teller there's a deposit slip tracked with it. Every store has a camera. Person to person, fine, but I don't get the point of hiding unless you're doing something illegal. Use whatever payment method, don't do anything illegal.
434   FortWayneHatesRealtors   2025 Jun 8, 2:13pm  

cash serials aren’t tracked. cash keeps banks and governments and business partners from knowing what you buy, where you shop, building profile on you. they can’t cancel you.
435   Patrick   2025 Jun 8, 2:44pm  

Yes, and silver coins would be even better, because they protect against inflation.

This is why we should have pure silver by weight as currency. The pound.
436   Patrick   2025 Jun 8, 2:46pm  

WookieMan says

You can deny purchases if the service or product rendered was not what you thought. I've done that dozens of time. Cash it's gone.


Sure, there are some advantages to using credit. But once you are totally dependent on credit, you're very easily controlled and tracked.
437   WookieMan   2025 Jun 8, 11:00pm  

Fortwaye says

cash serials aren’t tracked

They are. 100%. This is voluntary but come on... https://www.wheresgeorge.com/wild.php

If you don't think they're tracking the cash you're crazy. Only way is if EVERY transaction is person to person. No armored truck services. No bank. None of it. Bill to Ted. No businesses involved. Otherwise it's tracked.

Track me with credit. I make $8-10k a year tax free because of it. That's like $16k of income for us. This is why 2A exists. Track me all you want, if you come to my house it gets real.
438   Patrick   2025 Jun 11, 2:24pm  

https://edwardslavsquat.substack.com/p/russia-to-become-world-leader-in


... Responding to the KP interview, Lezhava wrote on his Telegram channel:

Another propaganda article from the Bank of Russia has appeared in Komsomolskaya Pravda. This time, the new deputy chairperson of the Central Bank of the Russian Federation, Zulfiya Kakhrumanova, sang hosannas to the digital ruble under the title “Why do we need a digital ruble, will it become mandatory, and what will a single QR code give us?” ...

How dare you, Mr. Lezhava. Don’t you read Simplicius the Thinker, the Internet’s #1 Thinker, who correctly observed that the digital ruble is a good CBDC that will remain eternally-voluntary as it karate-chops the globalists?

I mean, does Lezhava even read TASS? ...



439   HeadSet   2025 Jun 13, 9:10am  

WookieMan says

Track me with credit. I make $8-10k a year tax free because of it.

Even if you got 5% back on all credit card purchases, to get $10k back you would have to spend $200k per year using credit cards. At 4% cash back you would need to spend a quarter million. Also, if any of those credit card purchases are for business expenses, those rebates are not tax free.
442   Patrick   2025 Jul 3, 3:14pm  

https://karenkingston.substack.com/p/is-elon-musk-turning-x-into-chinas


Cash is Gone. WeChat is King in China.

According to Business Insider, “WeChat is quite simply a ubiquitous part of daily life in the country.” The news outlet reports, “You won't leave WeChat even if you want to, because you can't buy anything in modern China without it. Chinese retailers have gone cashless and mostly accept payments via WeChat's digital wallet service, WeChat Pay. …In China's walled garden of apps for cashless convenience, WeChat is king.”

With a government-controlled app for all of services in China, it’s easy for the CCP to punish citizens who speak out against the government by locking them out of their banks and their lives. Do Americans want this same digital platform in the U.S.?
443   WookieMan   2025 Jul 4, 12:48pm  

HeadSet says

Even if you got 5% back on all credit card purchases, to get $10k back you would have to spend $200k per year using credit cards. At 4% cash back you would need to spend a quarter million. Also, if any of those credit card purchases are for business expenses, those rebates are not tax free.

100% tax free. W-2 employee. And yes, we spend at least that much annually. Maybe $300k. Plus bonus points for certain restaurants and businesses. Shop online and get bonus points where the money is reimbursed. Shit like ink for a printer at 10X points. She hosts events that we put $20k in one night on the CC.

Personal expenses are maybe $50k on the card. The company reimburses us and they write it off. We're not on the hook for anything. Been doing this for 20 years. For what I think are trust issues, the owner of the company doesn't give out company cards. We have $100k at least in limits and rack up the points. It can suck at times, but I calculate that gross from the points is probably $12-16k and there's no tax.

We currently could take about 6 trips for 5 people round trip for $342 which anyone would have to pay anyway. Depending where you fly that's roughly $8-9k as an estimate. This year it will be another $5-6k when December ends.

You gotta do points you want. Southwest is our go to. We still have hotel points and get 3-8 nights free. I have 12 paid off credit cards with different rewards. If I was paying debit or a shitty card with crap rewards what's the point? Takes a good amount of research and what you want. For us we have no interest in overseas so Southwest is perfect. Though they did partner up with Iceland Air for European flights.
444   Patrick   2025 Jul 4, 1:16pm  

WookieMan says

100% tax free. W-2 employee.


@WookieMan How does that work? You make corporate charges as a W-2 employee, but are allowed to keep the money back on those charges?
445   Misc   2025 Jul 4, 11:24pm  

Patrick says

WookieMan says


100% tax free. W-2 employee.


WookieMan How does that work? You make corporate charges as a W-2 employee, but are allowed to keep the money back on those charges?


The company reimburses them for the expense, but he gets to keep free points from the credit cards as it is his personal credit card. It's all legit.
446   Onvacation   2025 Jul 5, 8:09am  

Patrick says

This is why we should have pure silver by weight as currency. The pound.

That would be constitutional!

I have been reading the federalist papers and our founding fathers were very much against paper money. The Constitution literally forbids making "anything but gold and silver coin legal tender for payment of debts"
447   HeadSet   2025 Jul 5, 1:09pm  

Misc says

The company reimburses them for the expense, but he gets to keep free points from the credit cards as it is his personal credit card. It's all legit.

If you use a credit card for reimbursable business expenses, that "cash back" is counted as taxable income for those reimbursed expenses. For unreimbursed or for personal purchases, that cash back is considered a discount on the purchase price and not taxable. Either way, you will get a 1099-MISC if the cash back is over $600.

No biggie. If I worked for someone who let me spend $330k per year on my personal credit cards and then reimbursed me, I would be glad to pay the taxes on my cash back. Not sure I would qualify for a single card with such a high limit, so I presume I would have multiple cards.
449   WookieMan   2025 Jul 7, 12:12pm  

HeadSet says

If you use a credit card for reimbursable business expenses, that "cash back" is counted as taxable income for those reimbursed expenses.

It's not cash back. I note you put that in quotes. It's not trackable. You use a personal card and you get paid back. There's no tracking to the IRS. I don't take cash back. Those are the worst cards. Never been audited in 20 years or have ever received a tax form ever. What I do is 100% legal and tax free.

The IRS allows it because what do you do? You spend money. When I travel, who do I pay? Employees. They buy houses and pay income taxes. They 100% don't tax points. If I gave you $100k and then you paid me back, that's not a taxable event unless there was interest. You could do that with a basic promissory note.
450   HeadSet   2025 Jul 7, 5:41pm  

WookieMan says

I note you put that in quotes

Yes, I should have hyphenated instead. I am referring to actual cash back, where the CC company rebates actual money to your credit card. I do not know what you are referring to if not cash. Points? Like what I get when I stay in a hotel, where after a certain number of stays I get enough points for a free room?
453   Patrick   2025 Nov 11, 11:32am  

Here it comes, a complete prohibition on cash so you can be starved into submission if you speak up about evil:

https://slaynews.com/news/europe-criminalizes-large-cash-payments-ahead-digital-euro-launch/


Europe has taken a major step toward ending financial privacy as the globalist European Union (EU) will officially criminalize large cash payments.

Beginning January 2027, any cash transaction above €10,000 will be outlawed in the EU, making large cash purchases illegal across all 27 member states.

The move is part of the EU’s sweeping new Anti-Money Laundering (AML) package.

Unelected EU officials insist that AML targets criminals but, in practice, places ordinary citizens under full financial surveillance. ...

The European Central Bank (ECB) has confirmed plans to roll out the Digital Euro by 2029.

The Digital Euro is a fully programmable currency that gives regulators unprecedented power:

• Limits on how much you can hold

• Restrictions on what you can buy

• Expiration dates for digital cash

• Real-time spending surveillance

Combine that with the EU’s increasingly centralized digital identification systems, and you get a financial architecture where a single bureaucratic decision can freeze accounts, block purchases, or silence dissent.

Canada is advancing a federal digital ID program under the guise of “modernizing service delivery.”

The United Kingdom, under socialist Prime Minister Keir Starmer, is reviving national digital ID plans once thought politically toxic.

In addition, Australia’s 2024 Digital ID Bill establishes a unified, government-verified identity system, which is currently being rolled out for public use.

The EU’s Digital Identity Wallet, rolling out in phases, aims to link banking access, medical data, travel permits, and online authentication under one government-issued credential.

Each digital ID initiative claims to be “voluntary.”

Yet, each one slowly becomes required to access essential services, travel, vote, or manage finances.

Once a digital ID becomes a prerequisite for banking, linking it to programmable digital cash becomes automatic.


https://www.europe-consommateurs.eu/en/shopping-internet/cash-payment-limitations.html


You live in France but plan on buying a car in Germany? Make sure to educate yourself about the laws limiting cash payments: throughout the European Union, cash payments will soon be capped at 10 000 euros. This article offers information about each European country’s policy for limits on cash payments.
454   Patrick   2025 Nov 11, 2:11pm  

https://substack.com/@vieshalewand/note/c-175965103


CASH DIES IN 847 DAYS

Europe just legislated the end of financial freedom and nobody noticed.

January 2027: Every euro above €10,000 becomes illegal tender. Every Bitcoin needs government permission. Every transaction becomes a datapoint in Brussels’ surveillance grid.

This is not proposed. This is law.

340 million Europeans will wake up in a cage built from their own bank accounts.

THE KILL SHOT

The EU Anti-Money Laundering package doesn’t just track criminals. It treats every citizen as one. Starting 2027, buying a car in cash becomes a crime. Sending €1,001 in Bitcoin without state approval triggers prosecution. Anonymous wallets vanish overnight.

The Digital Euro arrives 2029. The European Central Bank spent €1.3 billion building what they call freedom. But leaked proposals cap holdings at €3,000 per person. Every purchase tracked. Every pattern analyzed. Every dissent potentially bankable.

THE LIE THEY’RE SELLING

“This stops money laundering.” Europe launders €500 billion yearly, they claim. So they’re building a panopticon for 340 million people to catch the fraction who commit crimes.

China’s digital yuan already programs money to expire, to restrict, to control. The ECB promises Europe will be different.

They promised deposit safety in Cyprus too. Then they seized accounts in 2013.

WHAT HAPPENS NEXT

Privacy coins migrate to the shadows. Black markets replace grey ones. The state gains omniscience. You lose the right to buy bread without permission.

This isn’t about crime. It’s about power. €20 trillion flows through the eurozone. Every cent will soon require approval from Frankfurt.

The infrastructure of tyranny gets built in the name of safety. Always.

THE CLOCK IS RUNNING

847 days until your cash becomes contraband. 1,308 days until the Digital Euro launches. Zero days of mainstream coverage asking the only question that matters:

Who decides what you’re allowed to buy when money becomes permission?

The European Union just made Orwell an instruction manual.
456   Booger   2025 Nov 11, 3:28pm  

I have been using more cash lately, just to avoid credit card fees. In fact I'm going to switch dentists because of this as well.
458   Patrick   2025 Dec 5, 11:52am  

https://tdefender.substack.com/p/chd-appeal-after-court-rules-against-woman-sued-national-park-service-no-cash-policy


CHD to Appeal After Court Rules Against Woman Who Sued National Park Service Over No-Cash Policy

Toby Stover, who sued the National Park Service after it refused to allow her to pay cash to enter a national park site, plans to appeal after a federal judge on Dec. 3 dismissed her case.

Attorney Ray Flores said he will appeal after a federal judge on Wednesday dismissed a lawsuit against the National Park Service, alleging the federal agency is in violation of U.S. law by refusing to accept U.S. currency as entry payment.

Flores filed the suit on March 6, 2024, in the U.S. District Court for the District of Columbia, on behalf of Toby Stover and two other plaintiffs. Children’s Health Defense (CHD) funded the suit. He said he was disappointed in the court’s decision to dismiss the complaint.

“On the other hand, the Court did not rule on the merits of the case, which would have set an unfavorable precedent.”

In its dismissal, the court said Stover lacked standing to sue the park system — meaning she didn’t have the legal right to bring the suit because she didn’t show that she was “suffering an ongoing injury” or faced an “immediate threat of injury.”

The court initially dismissed all three plaintiffs’ claims, but allowed them to submit an amended complaint, which Stover alone did on March 4, 2025.

Stover tried to visit the Home of Franklin D. Roosevelt National Historic Site national park in Hyde Park in January 2024. Park officials turned her away when she tried to use a $10 bill to pay her entrance fee.

According to the amended complaint, “Stover still wants to visit Hyde Park whenever she wants but will not do so if she continues to be denied her right to tender anything other than legal U.S. Currency.”

Now, nearly 30 national parks, historic sites and monuments deny entrance to those who try to pay with cash, the amended complaint said. The park service Cashless Fee Collection FAQ states that it accepts only credit, debit and other electronic forms of payment, such as Apple Pay.

According to the complaint, federal statute (U.S. Code Title 31, Section 5103) makes it clear that “United States coins and currency … are legal tender for all debts, public charges, taxes, and dues.” ...

Plus, the impact of a cashless society goes far beyond just a single purchase, because cashless payments limit a person’s “ability to be free from tracking and surveillance, which is becoming increasingly difficult to avoid,” Mack Rosenberg said.

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