Martin Barraud/Getty Images

Le argomentazioni a favore del contante

CAMBRIDGE – Il mondo è invaso da valute cartacee, con le grandi banche centrali nazionali che producono denaro per svariate centinaia di miliardi di dollari ogni anno, soprattutto banconote di grosso taglio come quelle da 100 dollari, che rappresentano quasi l’80% dell’impressionante disponibilità di contante pro capite degli Usa pari a 4.200 dollari. La banconota da 10.000 yen (circa 100 dollari) rappresenta all’incirca il 90% della valuta del Giappone, dove la liquidità pro capite corrisponde quasi 7.000 dollari. E come sostengo da due decenni, tutti questi contanti stanno agevolando la crescita soprattutto del mercato nero e non dell’economia legale.

Non sto dicendo che sarebbe meglio una società senza contanti, perché non sarebbe né fattibile né auspicabile a breve. Ma una società con meno contanti sarebbe un luogo più equo e più sicuro.

Con l’aumento delle carte di debito, dei trasferimenti elettronici e dei pagamenti tramite telefonia mobile, l’uso dei contanti registra da tempo un calo nell’economia legale, soprattutto per le transazioni di medie e grandi dimensioni. Secondo le indagini condotte dalle banche centrali solo una piccola percentuale di banconote di grosso taglio vengono conservate e utilizzate dalla gente comune o dalle aziende.

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