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Die Argumente gegen Bargeld

CAMBRIDGE – Die Welt schwimmt im Papiergeld. Die Notenbanken der großen Länder pumpen jedes Jahr hunderte von Milliarden Dollar in das System, überwiegend in Form von Banknoten mit sehr hohem Nennwert wie dem 100-Dollar-Schein. Fast 80% der enormen Menge an Bargeld pro Kopf in den USA von 4.200 Dollar entfallen auf 100-Dollar-Scheine. In Japan entfallen fast 90% des im Umlauf befindlichen Bargeldes auf den 10.000-Yen-Schein (etwa 100 Dollar), und die Menge an Bargeld pro Kopf beträgt fast 7.000 Dollar. Und wie ich bereits seit zwei Jahrzehnten argumentiere, fördert all dieses Bargeld in erster Linie das Wachstum in der Schattenwirtschaft und nicht im legalen Wirtschaftskreislauf.

Ich spreche mich dabei nicht für eine bargeldlose Gesellschaft aus, denn die ist auf absehbare Zeit weder praktikabel noch wünschenswert. Doch wäre eine Gesellschaft, in der weniger Bargeld im Umlauf ist, sowohl fairer als auch sicherer.

Angesichts des zunehmenden Einsatzes von Bankkarten, elektronischen Überweisungen und mobilen Zahlungen ist die Verwendung von Bargeld im legalen Wirtschaftskreislauf schon seit langem im Schwinden begriffen, insbesondere was mittelgroße bis große Geldgeschäfte angeht. Untersuchungen der Notenbanken zeigen, dass nur ein kleiner Teil der großen Scheine von normalen Bürgern oder Unternehmen gehalten und genutzt wird.

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