Martin Barraud/Getty Images

Argumenty proti hotovým penězům

CAMBRIDGE – Svět se topí v papírových penězích a centrální banky velkých zemí chrlí každý rok hotovost v celkové hodnotě stamiliard dolarů, a to zejména formou velkých bankovek, jako je například americká stodolarovka. Ta představuje téměř 80% z ohromující hotovostní nabídky v USA, která činí závratných 4200 dolarů na obyvatele. Bankovka o hodnotě 10 000 jenů (rovněž přibližně 100 dolarů) představuje zhruba 90% veškeré hotovostní měny Japonska, kde celková hotovost na obyvatele dosahuje bezmála 7000 dolarů. A jak tvrdím už dvacet let, všechna tato hotovost usnadňuje růst hlavně černé ekonomice, nikoliv té legální.

Nejsem stoupencem společnosti bez peněz, která nebude v brzké době uskutečnitelná ani žádoucí. Společnost s menším objemem hotovosti by však byla spravedlivější a bezpečnější.

Využívání hotovosti v legální ekonomice díky růstu debetních karet, elektronických převodů a mobilních plateb už dlouho klesá, zejména v případě středních a velkých transakcí. Průzkumy centrálních bank ukazují, že jen malé procento bankovek vysoké nominální hodnoty drží a používají obyčejní lidé či firmy.

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