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(India's) Cashless economy brought about by demonetisation hurt the poor and the economy

India's project to use biometrics to set up a cashless economy that was friendly to illiterate people is particularly scary to me. Am I imagining this, or does that seem to you as if it portends a sort of giving up on education of the poor, because using biometrics, they can identify them for administrative purposes (the system uses retinal scanning) without the poor even needing to know how to read or write their own name.