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The Government should require the Reserve Bank to open central-bank-digital-currency transaction accounts for every New Zealand resident. These would allow fee-free electronic-wallet-to-wallet transactions without the use of private banks or credit-and-debit-card companies. All MSD and IRD payments would go into the cbdc accounts. People not needing bank loans could then avoid banks and card companies entirely, and stop contributing to their profits.

https://www.rnz.co.nz/national/programmes/afternoons/audio/2018847494/matariki-payments-mooted-by-bernard-hickey

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Thanks! I like that commentary.

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This from Varoufakis is helpful:

https://youtu.be/lbji8utP6dU

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