ONLY BECAUSE THE BANKS DON T HAVE OUR DEPOSITS IN TOTALITY IN CASH ...... Only a very SMALL part because of the Fractional Réserves Banking system !!!
If money was without rates, paying with an electronic card or with paper notes ... it would be the same thing !!!
But money has rates !!!! Without using cash, people Can t Benefit from this rate ...... It means less exchanges at a middle or low économic level ..... which represent most of the jobs in the world
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