(edit: title corrected thanks to @Ghoelian@feddit.nl’s info)

cross-posted from: https://slrpnk.net/post/1624944

Saw a “no cash” sign at a bakery. Conversation went like this:

me: So, no cash? What’s going on there?

cashier: Yeah, we’re not allowed to accept cash.

me: Isn’t it the other way around? Isn’t there a legal tender law in #Netherlands?

cashier: Yeah, we’re not allowed to refuse cash.

me: So this sign posting says loud and clear “we are breaking the law”, in effect, no? Is that not being enforced?

cashier: That’s right. It’s unenforced in Netherlands.

The same thing is happening in #Belgium. This kind of forces me to revise my understanding of European culture & norms. In both the US & Europe there is a culture of certain laws (rightfully) going unenforced against individual natural people. E.g. small amounts of marijuana possession. But I previously thought when it came to moral/legal people (businesses), they simply complied with the law in Europe to a great extent.

IOW, companies complied with laws in Europe. Contrast that with the US where corporations small and large will blatantly disregard any laws that interfere with profit based on the calculated risk of getting caught and risk of penalties.

I just wonder if Europe is being influenced by cavalier US corps and changing to comply only when penalties are likely. Or is this something I had wrong all along… that EU companies were always loose with compliance?

#WarOnCash

  • activistPnk@slrpnk.netOPNederlands
    1·
    1 year ago

    If you agree to pay back your mortgage by bank statements, it’s up to you to make sure you have a bank account.

    Yikes! So the law has ensured that people are put in the unreasonable position of making guarantees they are not in control over.

    if you can no longer get a normal bank account (because of financial crimes you’ve committed, you falling into debt repeatedly makes you too risky for the banks, etc.)

    It’s much easier than that to be systemically shut out. You just have to be born in the wrong place. Point 2 in this paper. That page lists several situations where a law-abiding consumer is shown the door by banks.

    you can get a basic bank account which comes with various restrictions, but will allow you to pay your bills.

    EU basic bank accounts do not support cash deposits. So if you earn cash or your bank was at least kind enough to warn you before they close your account and you withdrew cash, that money is trapped as cash & cannot be spent from a basic account.

    This avenue should always be open to you, so the “I can’t pay through a bank account” excuse probably doesn’t work.

    Depends on your nationality.

    Suppose you are a Canadian residing in Netherlands and you buy a house. You sign up for a loan under non-negotiable¹ terms. Say 8 years later Canada makes a treaty with NL saying that Dutch banks must either report all Canadian consumers to Canada or they must very closely watch their Canadian clients (bank’s choice). Both options are a burden on banks, so banks decide it’s not worth the money a few Canadians them to deal with it, so they reject all Canadians unless they open a basic account. But the does not want to serve Canadians with basic accounts because of the extra babysitting burden. So they don’t inform Canadian consumers that the option exists. They simply send them a letter saying they have 1 month to clear out their bank account and leave. Some Canadians will do just that and bring home a pile of cash. Other Canadians will take the time to do a bit of research & discover they can force the bank that’s booting them to open a new “basic” account for them.

    Human Rights Breached

    It’s a human rights problem (all people must be treated as equals which is even codified in EU law). But it’s being ignored. So rewind 8 years. How would a Canadian have predicted that their human rights would be pushed aside and they would be given the boot by banks?

    So the Canadian homeowner is booted by the bank and the mortgage lender says “not my problem; pay me and it better not be cash”. How is that reasonable? It comes down to really fucked up law that overlooks the importance that all debts be payable in cash. Not only is the Canadian victimized by way of the human rights violation of treating them different, but then the creditor kicks them when they are down. The lender is also a bank possibly even one with a vault for handling cash, but they simply do not want the inconvenience of handling a monthly cash payment.

    The above hypothetical actually happened - but with USians. USians are at the mercy of banks to accept them. Some banks will verbally say “we don’t take Americans” (they will never put that in writing though because it’s an illegal policy). Some banks have decided to take US clients but with extra reporting (thus still violating their human rights by way of unequal treatment). So some USians will say fuck this I’m done with banks. But what about the mortgage that’s still in play? It’s insanely reckless to impose on the human being side of the contract the ability to predict that disaster. And regardless of that, even if a mortgage borrower could predict it, it’s a human rights problem that it would preempt them from home ownership.

    Why is this happening? (A: “crime fighting”)

    This raises the question: WTF justifies forcing everyone into this shitty banking system? Crime fighting (they say). So non-criminals are getting probed, kicked around, harassed, & denied service under the “crime fighting” rationale? How fucked up is that that the hunt for criminals is designed to put non-criminals in harms way? The whole point to fighting crime is to protect non-criminals in the first place.

    Prediction: Brits or Canadians are next

    One of those two countries will be next to follow in the footsteps of the USA, and their citizens will also become toxic citizens to banks.

    ¹ It’s always non-negotiable terms because no bank will take the burden of altering terms and then have to manage different terms for different clients. You can only negotiate figures.

      • activistPnk@slrpnk.netOPNederlands
        1·
        1 year ago

        You do have control over this. You can still fuck up, that’s what the special bank account is for.

        What do you mean by “the special bank account”? No one can force a bank to accept their business. Even basic bank accounts have qualifications. Not that it matters because since you can’t deposit your cash into a basic bank account, you’re not in control anyway.

        Hence the basic bank account.

        If your money is in cash, that’s useless. And even if you can get it transferred, it’s still useless if you can’t find a bank that doesn’t impose closed-source software on you after that trend runs its course. Mortgage contracts in force today predate imposed smartphones w/big attack surfaces and were signed before the consumer could have predicted that.

        I did not know that. I can see why, though. Banks are already asking several euros per deposit because nobody likes dealing with large amounts of cash.

        It doesn’t matter what their excuse is. They’ve created situations where debtors cannot pay their debt despite having the money.

        That depends on how much cash you have.

        It does not.

        You can spend it on groceries

        Buying groceries does not pay your mortgage lender. So say you convert the cash into beer. Then what? You ask the mortgage lender if they can accept beer?

        or give it to someone else who can deposit it and send the money over to you from their bank account.

        LOL. I was shocked when I heard an energy supplier suggest this very same thing. I said “will you be my friend for 2 minutes, pay my bill, and accept my cash?” (silence).

        How can you seriously suggest that it’s okay to draft policy that relies on consumers having friends who aren’t also unbanked?

        We can’t change anything about Canada changing their laws.

        It’s not Canadian law. It’s international treaty between NL and Canada. NL agreed to it. Surely you don’t believe Canada has direct authority over Dutch banks.

        That’s not really our problem.

        It is your problem because Netherlands agreed to the International Covenant on Civil and Political Rights and is bound by it.

        If the Canadian government tells its citizens they must use a monitored bank account and Dutch banks don’t play ball, then that’s a problem between you and the Canadian government.

        Not when you have human rights violations. The DUTCH bank under DUTCH law in this scenario is treating Canadians different than Australians (for example). It’s a human rights violation and the jurisdiction is Netherlands. Canada’s only role was to coerce the Dutch into violating the human rights of Canadians. The violation is at the hands of the Dutch who should have rejected the treaty.

        I’m not sure what human right is being breached here. You, as a Canadian, with a registered address, have the same rights as everyone else

        Same human rights, yes, but getting different treatment under Dutch law. That is the problem.

        International Covenant on Civil and Political Rights

        Article 26:

        “All persons are equal before the law and are entitled without any discrimination to the equal protection of the law. In this respect, the law shall prohibit any discrimination and guarantee to all persons equal and effective protection against discrimination on any ground such as race, colour, sex, language, religion, political or other opinion, national or social origin, property, birth or other status.”

        (emphasis mine)

        If you’re borrowing money from someone, they can state their terms and it’s up to you to accept them

        Article 25 ¶1 of the Universal Declaration of Human Rights:

        “Everyone has the right to a standard of living adequate for the health and well-being of himself and of his family, including food, clothing, housing and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control.”

        So you have lenders pass through human rights violations (via forced but unequal banking) onto Canadians who undertake to secure housing under article 25. When the bank discriminates against Canadians and the mortgage lender imposes forced banking by contract, the human rights violations are also at the hands of the mortgage lender.

          • activistPnk@slrpnk.netOPNederlands
            1·
            1 year ago

            It sucks to be a convicted terrorist or money launderer

            Or merely to be suspect of financial crime because of a cryptocurrency operation. Banks are extremely skiddish and it’s far easier to marginalize someone than to take on risk for someone maintaining an account worth less than 5 figures.

            They will also deny you a basic account if you already have another account. So e.g. if your bank imposes a broken app on you and you need to bounce, you must first close the account you have before you can open the basic account. That means cashing out. But you cannot deposit your cash in the new account because it’s “basic”.

            You don’t have the right to use exclusively open source software.

            Indeed, that’s the problem. You’re endorsing that problem.

            Luckily, various banking apps work fine on LineageOS.

            Running a FOSS platform does not make the apps the run on it open source. Those various banking apps all have spyware in them.

            Or you can use a bank account that just requires a browser and the free code validator they mail to you, no need to buy a smartphone.

            As I think I mentioned, there was a website & a counter service. Now there is only an app. Get the app or get locked out. Or walk. Those are the choices. Banks have a right to pull the plug on whatever service they want. They can impose iOS if they want.

            The debtor created that situation themselves

            Certainly not. The debtor has zero control over their place of birth. The BANK had a choice. The bank chooses whether to show customers in the oppressed group the door, or to report their activity. You can say the consumer has a right to renounce their nationality, but then you’re just infringing on another human right.

            If you can’t get any bank account, not even a basic bank account, you’ve fucked up bad.

            Simply being born in the wrong place can get you denied service at 8 banks. Being born in the wrong place cannot be regarded as a “fuck up“.

            Quite simple: your financial situation isn’t my problem if you want to do business with me.

            So you finally acknowledge inability to solve the problem. Great. But you don’t seem to give a shit about equal treatment & people being marginalized. This does not help your position.

            In that case, any troubles you have for not having a bank account should be quickly resolved by a judge, shouldn’t they?

            You overestimate the power of human rights. Human rights violations occur in high numbers and are rarely enforced. It’s improving but 2023 is not a good time to have your human rights violated.

            If the monitoring is bad enough to be considered a human rights violation, I doubt the banks will let the legislation stand.

            Banks don’t get to overturn law. They are also pushovers. They choose to violate human rights because it’s the easy path and human rights are mostly symbolic & rarely enforced, especially when they have the guidance and backing of the gov.

            I don’t see the relevance. Whether you’re born Dutch and have a secondary citizenship in Canada or whether you’re a Canadian who gained Dutch citizenship, you’re still treated the same.

            No you are not. In one of those cases, your birthplace is known as Canada. In the other case the birthplace is Netherlands and the bank has no reason based on required paperwork to think someone was naturalized in Canada. It’s also strange how you tried (and failed) to cherry pick a dual nationality case. When you have an oppressed group, you can always find two people outside of that group who are treated the same. You only need to find one person inside the marginalized group and one outside to prove a UDHR art.1 breach.