H​as Cash Replacement Gone From Being the Philosopher's Stone to a Trojan Horse?

Cash replacement was designed to solve a problem; it was not supposed to be a bug looking for a windshield. It was supposed to be a transaction service, and possibly even more profound would be the impact of various value-added services like providing credit to facilitating payroll to distribution of social benefits to enabling virtual commerce between consumers, businesses, and the government.

Now, the question is, has cash replacement gone from being the philosopher’s stone to a Trojan horse? ...

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