人们担心被英国的无现金社会抛在后面的将不仅仅是弱势群体
正文翻译
(Tap and go is an easy quick way to pay but relying on cards in a cashless society has its downsides.)
（“碰即走”是一种简单快捷的支付方式，但在一个无现金社会，依赖银行卡也有其缺点。）
新闻：
Fears UK’s cashless society will leave more than just the vulnerable behind
-There have long been concerns that older people will suffer as we ditch coins and notes, but other groups, such as tourists, may also be affected
人们担心英国的无现金社会将不仅仅把弱势群体抛在后面
——长期以来，人们一直担心，随着我们抛弃硬币和纸币，老年人会受到影响，但其他群体，比如游客，可能也会受到影响
-There have long been concerns that older people will suffer as we ditch coins and notes, but other groups, such as tourists, may also be affected
人们担心英国的无现金社会将不仅仅把弱势群体抛在后面
——长期以来，人们一直担心，随着我们抛弃硬币和纸币，老年人会受到影响，但其他群体，比如游客，可能也会受到影响
(Tap and go is an easy quick way to pay but relying on cards in a cashless society has its downsides.)
（“碰即走”是一种简单快捷的支付方式，但在一个无现金社会，依赖银行卡也有其缺点。）
新闻：
Armando Bordalo e Sá planned ahead before coming to London for a five-day trip this summer, exchanging euros for sterling at a good rate to pay for meals, tickets to events and other expenses.
阿曼多·博尔达洛·埃萨今年夏天在来伦敦进行为期五天的旅行之前就提前计划好了，他以优惠的汇率将欧元兑换成英镑，以支付餐费、活动门票和其他费用。
阿曼多·博尔达洛·埃萨今年夏天在来伦敦进行为期五天的旅行之前就提前计划好了，他以优惠的汇率将欧元兑换成英镑，以支付餐费、活动门票和其他费用。
But by the end of his short trip, much of it went unused, because so many places no longer accept cash, and he had racked up a series of unwanted charges from his bank in Portugal.
但在他短暂的旅行结束时，大部分钱都没有用，因为很多地方不再接受现金了，而且他在葡萄牙的银行已经积累了一系列不必要的费用。
但在他短暂的旅行结束时，大部分钱都没有用，因为很多地方不再接受现金了，而且他在葡萄牙的银行已经积累了一系列不必要的费用。
The UK’s rapid shift towards a cashless society ended up costing the 72-year-old from Lisbon dearly. When he tried to charge his Oyster card, his only option was to use a debit card, while the shops at Tate Britain and a number of other museums were cashless. When he tried to buy an £8 adapter from the vending machine of his hotel, it was card-only.
英国向无现金社会的快速转变最终让这位来自里斯本的72岁老人付出了沉重的代价。当他试图用牡蛎卡结账时，他唯一的选择就是使用借记卡，而泰特英国美术馆和其他一些博物馆的商店则不使用现金。当他试图从酒店的自动售货机购买8英镑的适配器时，只能刷卡。
英国向无现金社会的快速转变最终让这位来自里斯本的72岁老人付出了沉重的代价。当他试图用牡蛎卡结账时，他唯一的选择就是使用借记卡，而泰特英国美术馆和其他一些博物馆的商店则不使用现金。当他试图从酒店的自动售货机购买8英镑的适配器时，只能刷卡。
Returning to Portugal, he found his bank had charged him a 4% fee for “international services”, as well as additional taxes on any debit card transactions he had made because he was unable to use cash – adding up to €85 (£73).
回到葡萄牙后，他发现他的银行向他收取了4%的“国际服务”费用，并且因为他无法使用现金而对他进行的任何借记卡交易征收额外的税——总计85欧元（73英镑）。
回到葡萄牙后，他发现他的银行向他收取了4%的“国际服务”费用，并且因为他无法使用现金而对他进行的任何借记卡交易征收额外的税——总计85欧元（73英镑）。
It was a frustrating additional bill when he had money on him to pay. “I was only able to use currency at the restaurants, pubs and taxis,” he says. “It is indeed a fine way for banks to profit.”
当他有钱要付的时候，这是一笔令人沮丧的额外账单。“我只能在餐馆、酒吧和出租车上使用现金，”他说。“这确实是银行赚钱的好方法。”
当他有钱要付的时候，这是一笔令人沮丧的额外账单。“我只能在餐馆、酒吧和出租车上使用现金，”他说。“这确实是银行赚钱的好方法。”
Britain has been at the forefront of the switch to a cashless society – a trend which is even more pronounced in the capital, especially since the pandemic.
英国一直走在向无现金社会转型的前沿，这一趋势在首都伦敦更为明显，尤其是在疫情爆发后。
英国一直走在向无现金社会转型的前沿，这一趋势在首都伦敦更为明显，尤其是在疫情爆发后。
Figures from banking body UK Finance show that almost half of all payments were made with debit cards in 2021, with newer ways of paying set to almost completely eclipse cash within a decade. “We expect usage to continue to fall, with cash forecast to account for only 6% of all payments made in the UK by 2031,” it says.
英国金融机构的数据显示，到2021年，几乎一半的支付是用借记卡完成的，新的支付方式将在十年内几乎完全取代现金。“我们预计使用量将继续下降，预计到2031年，现金支付将仅占英国所有支付量的6%，”该机构表示。
英国金融机构的数据显示，到2021年，几乎一半的支付是用借记卡完成的，新的支付方式将在十年内几乎完全取代现金。“我们预计使用量将继续下降，预计到2031年，现金支付将仅占英国所有支付量的6%，”该机构表示。
But with the shift has come growing concern about groups who still want to use cash – including many older people, those on low incomes and people who want to keep tight control over spending.
但随着这一转变，人们越来越担心那些仍想使用现金的群体，包括许多老年人、低收入者和希望严格控制支出的人。
但随着这一转变，人们越来越担心那些仍想使用现金的群体，包括许多老年人、低收入者和希望严格控制支出的人。
But others, such as tourists, have also emerged as wanting a system where both cash and cards are accepted.
但其他一些人，比如游客，也希望有一个同时接受现金和银行卡的支付体系。
但其他一些人，比如游客，也希望有一个同时接受现金和银行卡的支付体系。
The Federation of Small Businesses says there are many like Bordalo e Sá who want to try to avoid charges added by banks.
小企业联合会表示，有很多像博尔达洛·埃萨这样的人想要避免银行额外收取的费用。
小企业联合会表示，有很多像博尔达洛·埃萨这样的人想要避免银行额外收取的费用。
“They don’t have the luxury of shopping online and, in any case, the allure of hand-picking souvenirs in store offers a personalised touch to their travels,” says FSB national chair Martin McTague. “Phasing out cash and eliminating tax-free shopping sends the wrong message about our readiness for business, and dampens visitors’ spending enthusiasm.”
小企业联合会全国主席马丁·麦克塔格说：“他们没有网上购物的奢侈，不管怎样，在商店手工挑选纪念品的诱惑为他们的旅行提供了个性化的感觉。逐步淘汰现金和取消免税购物会传递出我们对商业准备的错误信息，也会打击游客的消费热情。”
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
小企业联合会全国主席马丁·麦克塔格说：“他们没有网上购物的奢侈，不管怎样，在商店手工挑选纪念品的诱惑为他们的旅行提供了个性化的感觉。逐步淘汰现金和取消免税购物会传递出我们对商业准备的错误信息，也会打击游客的消费热情。”
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Cash costs more
One of the problems with the shift towards a cashless society, according to critics, has been that it costs more for people who have to pay cash to do what they want to do. In the case of the Portuguese tourist, that price was £73.
现金成本更高
据批评人士称，向无现金社会转变的一个问题是，那些不得不支付现金来做他们想做的事情的人的成本更高了。在葡萄牙游客的案例中，这一价格是73英镑。
One of the problems with the shift towards a cashless society, according to critics, has been that it costs more for people who have to pay cash to do what they want to do. In the case of the Portuguese tourist, that price was £73.
现金成本更高
据批评人士称，向无现金社会转变的一个问题是，那些不得不支付现金来做他们想做的事情的人的成本更高了。在葡萄牙游客的案例中，这一价格是73英镑。
Sian Williams, vice-chair of the Financial Inclusion Commission, says that taking part in activities important to you costs more. “And that is another aspect of the ‘poverty premium’ for millions of people every day in this country,” she says.
英国普惠金融委员会副主席希恩·威廉姆斯表示，（使用现金）参加对你很重要的活动成本更高了。她说：“这是这个国家每天数百万人享受‘贫困溢价’的另一个方面。”
英国普惠金融委员会副主席希恩·威廉姆斯表示，（使用现金）参加对你很重要的活动成本更高了。她说：“这是这个国家每天数百万人享受‘贫困溢价’的另一个方面。”
The commission, an independent body of experts, wants cash and access to cash to be preserved for as long as people need it. “We can see that it is a vital payment method for people in a range of vulnerable situations.”
该委员会是一个由专家组成的独立机构，它希望现金和获得现金的途径能一直保留到人们需要的时候。“我们可以看到，对于处于一系列弱势处境的人们来说，这是一种至关重要的支付方式。”
该委员会是一个由专家组成的独立机构，它希望现金和获得现金的途径能一直保留到人们需要的时候。“我们可以看到，对于处于一系列弱势处境的人们来说，这是一种至关重要的支付方式。”
A report last year from the Royal Society of Arts (RSA) found that more than 10 million people in Britain would struggle to live in a cashless society, with many losing control of their finances and seeing debts spiral.
皇家艺术学会去年的一份报告发现，超过1000万的英国人将难以生活在一个无现金的社会中，许多人失去了对自己财务的控制，债务螺旋式上升。
皇家艺术学会去年的一份报告发现，超过1000万的英国人将难以生活在一个无现金的社会中，许多人失去了对自己财务的控制，债务螺旋式上升。
Mark Hall, lead author of the “Cash Census” report, says there is a large group of younger people who like the security of cash. “It was often people on lower incomes, or with less stable incomes. We heard many say that they like to keep cash to budget because that way they can keep track of it more easily,” he says.
这份“现金普查”报告的主要作者马克·霍尔表示，有一大群年轻人喜欢现金带来的安全感。“这通常是收入较低或收入不稳定的人。我们听到许多人说，他们喜欢用现金来开支，因为这样他们可以更容易地跟踪资金。”
这份“现金普查”报告的主要作者马克·霍尔表示，有一大群年轻人喜欢现金带来的安全感。“这通常是收入较低或收入不稳定的人。我们听到许多人说，他们喜欢用现金来开支，因为这样他们可以更容易地跟踪资金。”
Another group, who had access to debit cards, went back to cash to more carefully monitor what they were spending.
另一群体——可以使用借记卡的人，则重新使用现金，以更仔细地监控他们的支出。
另一群体——可以使用借记卡的人，则重新使用现金，以更仔细地监控他们的支出。
“They weren’t just tapping their phone on a regular basis, and they were able to manage their cashflow more effectively,” says Hall.
霍尔说：“他们不会常态化地刷手机，而且他们能够更有效地管理自己的现金流。”
霍尔说：“他们不会常态化地刷手机，而且他们能够更有效地管理自己的现金流。”
Frustated generation
Older people are often highlighted as being prone to isolation in the shift towards the cashless society. In London, where an increasing number of services no longer take cash, many are frustrated, according to charity Age UK.
受挫时的一代
在向无现金社会转变的过程中，老年人往往被强调为容易被孤立。慈善机构英国年纪表示，在伦敦，越来越多的服务不再接受现金，许多人对此感到沮丧。
Older people are often highlighted as being prone to isolation in the shift towards the cashless society. In London, where an increasing number of services no longer take cash, many are frustrated, according to charity Age UK.
受挫时的一代
在向无现金社会转变的过程中，老年人往往被强调为容易被孤立。慈善机构英国年纪表示，在伦敦，越来越多的服务不再接受现金，许多人对此感到沮丧。
“In bigger cities, many are falling behind even faster due to the accelerated speed in which many businesses are progressing toward a cash-free model,” says Abigail Wood of Age UK London.
英国年级伦敦分部的阿比盖尔·伍德说：“在较大的城市，由于许多商家加快了向无现金模式发展的速度，许多人被落得更远了。
英国年级伦敦分部的阿比盖尔·伍德说：“在较大的城市，由于许多商家加快了向无现金模式发展的速度，许多人被落得更远了。
“Older people are constantly telling us how left behind they feel, and how much harder life is when they are unable to use cash.
“老年人不断地告诉我们，他们觉得自己是多么落后，当他们无法使用现金时，生活是多么艰难。
“老年人不断地告诉我们，他们觉得自己是多么落后，当他们无法使用现金时，生活是多么艰难。
“Many older people view cash as the most reliable and straightforward way to pay, as well as an effective means of managing their weekly budget when money is extremely tight – as it is for the majority now.”
“许多老年人认为现金是最可靠、最直接的支付方式，也是在资金极度紧张时管理每周预算的有效手段——就像现在大多数人一样。”
“许多老年人认为现金是最可靠、最直接的支付方式，也是在资金极度紧张时管理每周预算的有效手段——就像现在大多数人一样。”
Another group, “cashless sceptics”, tend to be older and have concerns about fraud and may find technology difficult to use, says Hall.
霍尔说，另一个群体是“无现金怀疑论者”，他们往往年龄较大，担心欺诈，并可能会发现技术难以使用。
霍尔说，另一个群体是“无现金怀疑论者”，他们往往年龄较大，担心欺诈，并可能会发现技术难以使用。
Keeping access
The UK is leading the shift towards a cashless society along with some Scandinavian countries, while Italy and Germany are still high cash users, says Graham Mott of lix, the ATM network.
保留途径
自动取款机网络lix组织的格雷厄姆·莫特表示，英国正与一些斯堪的纳维亚国家一起引领向无现金社会的转变，而意大利和德国仍是大量使用现金的国家。
The UK is leading the shift towards a cashless society along with some Scandinavian countries, while Italy and Germany are still high cash users, says Graham Mott of lix, the ATM network.
保留途径
自动取款机网络lix组织的格雷厄姆·莫特表示，英国正与一些斯堪的纳维亚国家一起引领向无现金社会的转变，而意大利和德国仍是大量使用现金的国家。
Figures from the company show withdrawals in some parts of London slumped by 60% in the four years to last May.
该公司的数据显示，在截至去年5月的四年里，伦敦部分地区的现金取款量下降了60%。
该公司的数据显示，在截至去年5月的四年里，伦敦部分地区的现金取款量下降了60%。
There are limitations to how far cashless payments can stretch, however, as online payments can fail, he says. “Most people will go out with some cash, or at least have some at home as a contingency,” he says. “It is important that cash access remains.”
然而，他表示，由于在线支付可能会失败，无现金支付的发展空间有限。他说：“大多数人出门都会带一些现金，或者至少在家里带一些现金以防万一。重要的是，现金支付途径仍然存在。”
然而，他表示，由于在线支付可能会失败，无现金支付的发展空间有限。他说：“大多数人出门都会带一些现金，或者至少在家里带一些现金以防万一。重要的是，现金支付途径仍然存在。”
评论翻译
colei_canis
I don’t like cashlessness for the sole reason it makes the banks even more of a single point of failure. There should always be a way to anonymously pay for things in a way that doesn’t depend on reliable power and internet, this doesn’t even have to be from an ‘I don’t trust the government’ perspective either. Power outages, internet outages, even geomagnetic storms are all things that happen and having cash in common use will reduce the impact somewhat.
我不喜欢无现金，唯一的原因是它使银行更像一个单点故障。应该有一种不依赖于可靠电力和互联网的匿名支付的方式，这甚至不必从“我不信任政府”的角度来看。停电、互联网中断，甚至地磁风暴都是可能发生的事情，而现金的普遍使用将在一定程度上减少影响。
I don’t like cashlessness for the sole reason it makes the banks even more of a single point of failure. There should always be a way to anonymously pay for things in a way that doesn’t depend on reliable power and internet, this doesn’t even have to be from an ‘I don’t trust the government’ perspective either. Power outages, internet outages, even geomagnetic storms are all things that happen and having cash in common use will reduce the impact somewhat.
我不喜欢无现金，唯一的原因是它使银行更像一个单点故障。应该有一种不依赖于可靠电力和互联网的匿名支付的方式，这甚至不必从“我不信任政府”的角度来看。停电、互联网中断，甚至地磁风暴都是可能发生的事情，而现金的普遍使用将在一定程度上减少影响。
j_a_f_t
Power outage doesn't mean they'll just take cash. The tills are electronic, the whole ordering new stock and monitoring what went out the door is electronic.
It'll just mean shops shut. And who has cash anymore anyway. If the power is out, no ATM going to give you anything.
停电不代表他们收现金就能OK了。收银机是用电的，整个订购新货和监控出柜的东西都是用电的。
这只会意味着商店关门。反正谁还有现金呢。如果停电了，自动取款机不会给你吐出任何东西。
Power outage doesn't mean they'll just take cash. The tills are electronic, the whole ordering new stock and monitoring what went out the door is electronic.
It'll just mean shops shut. And who has cash anymore anyway. If the power is out, no ATM going to give you anything.
停电不代表他们收现金就能OK了。收银机是用电的，整个订购新货和监控出柜的东西都是用电的。
这只会意味着商店关门。反正谁还有现金呢。如果停电了，自动取款机不会给你吐出任何东西。
colei_canis
This hasn’t been the case in my experience, I’ve always found people are happy to take cash in a power outage. They write it down and ring it up when the power’s back.
但在我的经验中，情况并非如此，我发现人们总是很乐意在停电时接受现金。他们会先记下来，等恢复供电时再结帐。
This hasn’t been the case in my experience, I’ve always found people are happy to take cash in a power outage. They write it down and ring it up when the power’s back.
但在我的经验中，情况并非如此，我发现人们总是很乐意在停电时接受现金。他们会先记下来，等恢复供电时再结帐。
pw_is_12345
1、Privacy. I don’t want the banks, government or my employer knowing how, where and when I spend my money. That information can be private and someone could use my love of disgusting pornography against me. Digital information gets hacked all the time or companies could just piece together metadata from transactions. Google / Apple already know me better than I do
2、It means that banks are able to charge fees on most payments, and it takes more money from normal people and small businesses and increases inequality.
3、It alienates people that aren’t savvy with technology. Poor people might not have access to smartphones or older people might not understand the technology. There’s also mentally handicapped people.
The privacy argument is the biggest for me though. I think we should be able to live off the grid if we want to and not be tracked and monitored every day.
1、隐私。我不想让银行、政府或我的雇主知道我是如何、何时何地花钱的。这些信息可能是隐私的，有人可能会利用我对恶心色情的热爱来对付我。数字信息总是能被黑客窃取，或者公司可以从交易中拼凑出元数据。谷歌/苹果已经比我更了解我了
2、这意味着银行能够对大多数付款收取费用，它从普通人和小商家那里收取了更多的钱，并增加了不平等。
3、它疏远了那些不懂技术的人。穷人可能无法使用智能手机，老年人可能不了解这项技术。还有智力残疾的人。
但对我来说，隐私问题是最大的问题。我认为，如果我们愿意，我们应该能够远离支付网络，而不是每天都被跟踪和监控。
1、Privacy. I don’t want the banks, government or my employer knowing how, where and when I spend my money. That information can be private and someone could use my love of disgusting pornography against me. Digital information gets hacked all the time or companies could just piece together metadata from transactions. Google / Apple already know me better than I do
2、It means that banks are able to charge fees on most payments, and it takes more money from normal people and small businesses and increases inequality.
3、It alienates people that aren’t savvy with technology. Poor people might not have access to smartphones or older people might not understand the technology. There’s also mentally handicapped people.
The privacy argument is the biggest for me though. I think we should be able to live off the grid if we want to and not be tracked and monitored every day.
1、隐私。我不想让银行、政府或我的雇主知道我是如何、何时何地花钱的。这些信息可能是隐私的，有人可能会利用我对恶心色情的热爱来对付我。数字信息总是能被黑客窃取，或者公司可以从交易中拼凑出元数据。谷歌/苹果已经比我更了解我了
2、这意味着银行能够对大多数付款收取费用，它从普通人和小商家那里收取了更多的钱，并增加了不平等。
3、它疏远了那些不懂技术的人。穷人可能无法使用智能手机，老年人可能不了解这项技术。还有智力残疾的人。
但对我来说，隐私问题是最大的问题。我认为，如果我们愿意，我们应该能够远离支付网络，而不是每天都被跟踪和监控。
Disastrous_Piece1411
So do you go and make all your dodgy purchases using cash currently then? And then why and what dodgy purchases are you needing to make that there should be no trace of? And why would your employer or government know/care what you are spending on unless it was something illegal?
As you say Google and Apple already have a very detailed customer profile of you from your internet history, and they can even match it up if you sign in anonymously. And all of that is also fed through GCHQ - the authorities already know everything about you and have records on everyone in the country. We gave up personal privacy when everyone got smartphones and started 'googling' stuff.
A totalitarian regime could exploit it in a scenario when things go totally off the rails but there are a thousand other ways they would be controlling people, so when it gets to that point the cashless society will be the least of our worries.
那么，你现在是用现金进行所有的不正当交易吗？然后，你为什么要购买那些，以及到底购买了哪些不应该有任何痕迹可查的东西呢？为什么你的雇主或政府要知道/关注你的花费，除非它就是非法的？
正如你所说，谷歌和苹果已经从你的互联网历史记录中获得了非常详细的客户资料，如果你匿名登录，他们甚至也可以进行匹配。所有这些都是通过政府通讯总部提供的——政府已经知道你的一切了，并且有这个国家每个人的记录。当每个人都有了智能手机，开始用谷歌搜索东西时，我们就已经放弃了个人隐私。
极权主义政权可能会在事情完全失控的情况下利用它，但他们还有另外一千种其他方式来控制人们，所以当它达到在这个地步时，无现金社会将是我们最不担心的。
So do you go and make all your dodgy purchases using cash currently then? And then why and what dodgy purchases are you needing to make that there should be no trace of? And why would your employer or government know/care what you are spending on unless it was something illegal?
As you say Google and Apple already have a very detailed customer profile of you from your internet history, and they can even match it up if you sign in anonymously. And all of that is also fed through GCHQ - the authorities already know everything about you and have records on everyone in the country. We gave up personal privacy when everyone got smartphones and started 'googling' stuff.
A totalitarian regime could exploit it in a scenario when things go totally off the rails but there are a thousand other ways they would be controlling people, so when it gets to that point the cashless society will be the least of our worries.
那么，你现在是用现金进行所有的不正当交易吗？然后，你为什么要购买那些，以及到底购买了哪些不应该有任何痕迹可查的东西呢？为什么你的雇主或政府要知道/关注你的花费，除非它就是非法的？
正如你所说，谷歌和苹果已经从你的互联网历史记录中获得了非常详细的客户资料，如果你匿名登录，他们甚至也可以进行匹配。所有这些都是通过政府通讯总部提供的——政府已经知道你的一切了，并且有这个国家每个人的记录。当每个人都有了智能手机，开始用谷歌搜索东西时，我们就已经放弃了个人隐私。
极权主义政权可能会在事情完全失控的情况下利用它，但他们还有另外一千种其他方式来控制人们，所以当它达到在这个地步时，无现金社会将是我们最不担心的。
and101
One issue with going to a completely cashless society is it makes us more vulnerable to cyber-attacks. If an attack like the WannaCry ransomware attack, which took down the NHS, was targeted at the banking sector or telecommunications sector, it could leave most of the country unable to make any financial transactions until the problems are fixed.
进入一个完全无现金社会的一个问题在于，它使我们更容易受到网络攻击。如果像导致英国国家医疗服务系统瘫痪的“想哭”勒索软件攻击那样的攻击是针对银行业或电信行业的，那么在问题得到解决之前，英国大部分地区可能无法进行任何金融交易。
One issue with going to a completely cashless society is it makes us more vulnerable to cyber-attacks. If an attack like the WannaCry ransomware attack, which took down the NHS, was targeted at the banking sector or telecommunications sector, it could leave most of the country unable to make any financial transactions until the problems are fixed.
进入一个完全无现金社会的一个问题在于，它使我们更容易受到网络攻击。如果像导致英国国家医疗服务系统瘫痪的“想哭”勒索软件攻击那样的攻击是针对银行业或电信行业的，那么在问题得到解决之前，英国大部分地区可能无法进行任何金融交易。
Disastrous_Piece1411
Lots of the electronic banking systems we rely on today are actually incredibly old - sometimes 90s, 80s and in some cases even late 70s. They predate the internet and are as a result extremely resilient to those kinds of attacks. Can't hack in if it's all stored on tapes with security detail on site and needing to access an unfamiliar bespoke system.
我们今天所依赖的许多电子银行系统实际上都非常古老——有些是90年代、80年代的，有些甚至是70年代末的。它们比互联网更早出现，因此对这类攻击具有极强的韧性。如果所有信息都现场存储在有安保措施的磁带上，而且需要进入一个不熟悉的定制系统，那你就没法黑进去。
Lots of the electronic banking systems we rely on today are actually incredibly old - sometimes 90s, 80s and in some cases even late 70s. They predate the internet and are as a result extremely resilient to those kinds of attacks. Can't hack in if it's all stored on tapes with security detail on site and needing to access an unfamiliar bespoke system.
我们今天所依赖的许多电子银行系统实际上都非常古老——有些是90年代、80年代的，有些甚至是70年代末的。它们比互联网更早出现，因此对这类攻击具有极强的韧性。如果所有信息都现场存储在有安保措施的磁带上，而且需要进入一个不熟悉的定制系统，那你就没法黑进去。
PurpleTeapotOfDoom
I find it effortless to budget using cash and impossible to accidentally go overdrawn. A trend I dislike is cashless venues where staff avoid telling you the total you're paying and just expect you to flash a card/phone/watch to pay. That makes it very easy to overspend, particularly where alcohol is concerned.
我发现用现金做预算毫不费力，也不可能意外透支。我不喜欢的一种趋势是无现金场所，那里的工作人员不会告诉你支付的总额，只是希望你刷一下卡/手机/手表来支付。这使得人们很容易超支，尤其是在酒类产品方面。
I find it effortless to budget using cash and impossible to accidentally go overdrawn. A trend I dislike is cashless venues where staff avoid telling you the total you're paying and just expect you to flash a card/phone/watch to pay. That makes it very easy to overspend, particularly where alcohol is concerned.
我发现用现金做预算毫不费力，也不可能意外透支。我不喜欢的一种趋势是无现金场所，那里的工作人员不会告诉你支付的总额，只是希望你刷一下卡/手机/手表来支付。这使得人们很容易超支，尤其是在酒类产品方面。
mikemuz123
Cyber attacks, privacy, too much centralised power, bank fees, these are just some of the reasons why cash must stay in place
网络攻击、隐私、过于集中的权力、银行费用，这些还只是现金渠道必须保留的部分原因
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Cyber attacks, privacy, too much centralised power, bank fees, these are just some of the reasons why cash must stay in place
网络攻击、隐私、过于集中的权力、银行费用，这些还只是现金渠道必须保留的部分原因
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
bbbbbbbbbblah
what bank fees? basic personal banking services in the UK are free.
do you mean the fees that businesses must pay to deposit cash, or the fees to use secure transport services to get it there, or the fees to pay someone to count and bag it up? or perhaps the fees to produce and replace all the damaged notes and coins? the costs of dealing with counterfeits? the costs of the ATM network?
什么银行费用？英国的基本个人银行服务是免费的。
你指的是商家存入现金必须支付的费用，还是使用安全运输服务将现金送到那里的费用，还是请人清点并打包的费用？还是生产和更换所有损坏的纸币和硬币的费用？是处理假币的成本吗？是ATM网络的成本吗？
what bank fees? basic personal banking services in the UK are free.
do you mean the fees that businesses must pay to deposit cash, or the fees to use secure transport services to get it there, or the fees to pay someone to count and bag it up? or perhaps the fees to produce and replace all the damaged notes and coins? the costs of dealing with counterfeits? the costs of the ATM network?
什么银行费用？英国的基本个人银行服务是免费的。
你指的是商家存入现金必须支付的费用，还是使用安全运输服务将现金送到那里的费用，还是请人清点并打包的费用？还是生产和更换所有损坏的纸币和硬币的费用？是处理假币的成本吗？是ATM网络的成本吗？
JetSetIlly
What concerns me most about this is how society seems to have completely changed direction without any discussion about the merits and demerits of the change. No politician talks about these things, it's not really something people discuss with one another, it's just happening.
I'm not even 50, have a background in technology but don't own a smartphone, have never felt the need to and rarely use a debit or credit card. But I'm now living in a country where apparently decisions about ownership and use of these things are being made for me. I don't know how this has happened.
最让我担心的是，社会似乎完全改变了方向，却没有讨论这种改变的优缺点。没有政客谈论这些事情，这也不是人们之间真正讨论的事情，它就这么发生了。
我还不到50岁，有技术背景，但没有智能手机，从来没有觉得有必要有，也很少使用借记卡或信用卡。但我现在生活的国家显然是在代替我做出关于这些东西的所有权和使用的决定。我不知道这是怎么回事。
What concerns me most about this is how society seems to have completely changed direction without any discussion about the merits and demerits of the change. No politician talks about these things, it's not really something people discuss with one another, it's just happening.
I'm not even 50, have a background in technology but don't own a smartphone, have never felt the need to and rarely use a debit or credit card. But I'm now living in a country where apparently decisions about ownership and use of these things are being made for me. I don't know how this has happened.
最让我担心的是，社会似乎完全改变了方向，却没有讨论这种改变的优缺点。没有政客谈论这些事情，这也不是人们之间真正讨论的事情，它就这么发生了。
我还不到50岁，有技术背景，但没有智能手机，从来没有觉得有必要有，也很少使用借记卡或信用卡。但我现在生活的国家显然是在代替我做出关于这些东西的所有权和使用的决定。我不知道这是怎么回事。
Consistent-Whole-686
Cash is inconvenient, old fashioned and unnecessary. Look forward to fully cashless. Pretty much there already, haven’t carried cash for 3 years or more. If some venue insists on cash I go elsewhere.
现金不方便、过时的和不必要。期待完全无现金化。差不多已经实现了，已经3年或更长时间没有携带现金了。如果有地方坚持要现金，那我就去别的地方消费
Cash is inconvenient, old fashioned and unnecessary. Look forward to fully cashless. Pretty much there already, haven’t carried cash for 3 years or more. If some venue insists on cash I go elsewhere.
现金不方便、过时的和不必要。期待完全无现金化。差不多已经实现了，已经3年或更长时间没有携带现金了。如果有地方坚持要现金，那我就去别的地方消费
slatingman
Would you be saying that in the event of a cyber attack or a war which left you with no way to spend your money or even prove you had any?
如果发生网络攻击或战争，让你无法花钱，甚至无法证明你有钱，你还会这么说吗？
Would you be saying that in the event of a cyber attack or a war which left you with no way to spend your money or even prove you had any?
如果发生网络攻击或战争，让你无法花钱，甚至无法证明你有钱，你还会这么说吗？
Consistent-Whole-686
Are you suggesting putting the cash under a mattress instead of holding a bank account? Otherwise I can’t see any difference.
你是在建议把钱藏在床垫下而不是银行账户里吗？否则我看不出有什么区别。
Are you suggesting putting the cash under a mattress instead of holding a bank account? Otherwise I can’t see any difference.
你是在建议把钱藏在床垫下而不是银行账户里吗？否则我看不出有什么区别。
Tams82
That's great until 'sorry, our card machine has decided to have a fit', or the power goes out.
Or how about your bank decides your spending activity looks suspect and freezes your account?
Not to mention the fees the electronic payments providers charge. You don't think about that, but business owners do, and often they aren't too happy with them.
无现金很好，直到“对不起，我们的卡机坏了”，或者停电。
或者你的银行认为你的消费行为可疑，冻结了你的账户？
更不用说电子支付提供商收取的费用了。你不会想到这一点，但商家会想到，而且他们通常对这些费用不太爽。
That's great until 'sorry, our card machine has decided to have a fit', or the power goes out.
Or how about your bank decides your spending activity looks suspect and freezes your account?
Not to mention the fees the electronic payments providers charge. You don't think about that, but business owners do, and often they aren't too happy with them.
无现金很好，直到“对不起，我们的卡机坏了”，或者停电。
或者你的银行认为你的消费行为可疑，冻结了你的账户？
更不用说电子支付提供商收取的费用了。你不会想到这一点，但商家会想到，而且他们通常对这些费用不太爽。
Consistent-Whole-686
Same as if the ATM machine has a fit or the power goes out.
Banks don’t monitor spending activity. They only monitor cash deposits because they are forced to under AML legislation.
Merchant fees will come down as the scale increases. Don’t forget there are also fees for merchants to access and deposit cash as well.
就像自动取款机坏了或者停电了一样。
银行不监控支出活动。它们只监控现金存款，因为根据“反洗钱”立法，它们被迫这么做。
商家的费用会随着规模的增加而下降。别忘了，商家访问和存入现金也是要收费的。
Same as if the ATM machine has a fit or the power goes out.
Banks don’t monitor spending activity. They only monitor cash deposits because they are forced to under AML legislation.
Merchant fees will come down as the scale increases. Don’t forget there are also fees for merchants to access and deposit cash as well.
就像自动取款机坏了或者停电了一样。
银行不监控支出活动。它们只监控现金存款，因为根据“反洗钱”立法，它们被迫这么做。
商家的费用会随着规模的增加而下降。别忘了，商家访问和存入现金也是要收费的。
tzimeworm
We're in a strange time where there's old people who just have no concept of the technology we use on a day to day basis. My grandparents (80+) can't pay for parking without just putting coins in a machine as they don't have a smartphone. My grandad was a builder. He's the most analogue man there is. He's never needed or used technology. My partners gran doesn't even have a bank card. That generation just cannot reasonably be expected to conceptually understand the technology in this world and how to use it (nor should they have to imo).
My parents (60+) however, of course have a smartphone (how else will they still argue about Brexit with their schoolfriends on facebook?), and so will likely be more than capable of moving with technology when they're my grandparents age. My dad is more than capable of watching a youtube video on his phone.
Eventually my grandparents generation will die out, and these concerns won't be so prominant.
I often wonder what kind of advancement could happen in my lifetime in such a way where it seems completely beyond me to understand things my grandchildren use on a constant daily basis.
我们正处在一个奇怪的时代，有些老年人对我们日常使用的技术完全没有概念。我的祖父母（80多岁）没有智能手机，如果不把硬币投进机器里就付不了停车费。我爷爷是一名建筑工人。他是最守旧的人。他从不需要或使用科技。我爱人的奶奶连张银行卡都没有。指望这一代人从概念上理解这个世界上的技术以及如何使用它是不合理的（在我看来他们也不应该这么做）。
然而，我的父母（60多岁）当然有智能手机（否则他们怎么还会在Facebook上和他们的同学争论英国脱欧？），所以当他们到我祖父母的年龄时，他们很可能完全有能力跟上科技的发展。我爸爸完全有能力在手机上观看YouTube视频。
最终，我的祖父母辈将会消亡，然后这些担忧将不会如此突出。
我常常在想，在我的有生之年会发生什么样的进步，以至于在这种情况下，我似乎完全无法理解我的孙子们每天都在使用的东西？
We're in a strange time where there's old people who just have no concept of the technology we use on a day to day basis. My grandparents (80+) can't pay for parking without just putting coins in a machine as they don't have a smartphone. My grandad was a builder. He's the most analogue man there is. He's never needed or used technology. My partners gran doesn't even have a bank card. That generation just cannot reasonably be expected to conceptually understand the technology in this world and how to use it (nor should they have to imo).
My parents (60+) however, of course have a smartphone (how else will they still argue about Brexit with their schoolfriends on facebook?), and so will likely be more than capable of moving with technology when they're my grandparents age. My dad is more than capable of watching a youtube video on his phone.
Eventually my grandparents generation will die out, and these concerns won't be so prominant.
I often wonder what kind of advancement could happen in my lifetime in such a way where it seems completely beyond me to understand things my grandchildren use on a constant daily basis.
我们正处在一个奇怪的时代，有些老年人对我们日常使用的技术完全没有概念。我的祖父母（80多岁）没有智能手机，如果不把硬币投进机器里就付不了停车费。我爷爷是一名建筑工人。他是最守旧的人。他从不需要或使用科技。我爱人的奶奶连张银行卡都没有。指望这一代人从概念上理解这个世界上的技术以及如何使用它是不合理的（在我看来他们也不应该这么做）。
然而，我的父母（60多岁）当然有智能手机（否则他们怎么还会在Facebook上和他们的同学争论英国脱欧？），所以当他们到我祖父母的年龄时，他们很可能完全有能力跟上科技的发展。我爸爸完全有能力在手机上观看YouTube视频。
最终，我的祖父母辈将会消亡，然后这些担忧将不会如此突出。
我常常在想，在我的有生之年会发生什么样的进步，以至于在这种情况下，我似乎完全无法理解我的孙子们每天都在使用的东西？
steven-fyoga party
I often wonder what kind of advancement could happen in my lifetime in such a way where it seems completely beyond me to understand things my grandchildren use on a constant daily basis.
I used to think about this but now I think that because we’ve grown up during a time of rapid/constant consumer technological change that we will just be constantly adapting to new things our whole lives and we won’t get caught out by it. That could be incredibly naive though only time will tell.
“我常常在想，在我的有生之年会发生什么样的进步，以至于在这种情况下，我似乎完全无法理解我的孙子们每天都在使用的东西？”
我过去经常这样想，但现在我认为，因为我们是在一个快速/持续的消费技术变革的时代长大的，所以我们一生都会不断地适应新事物，我们不会被它所束缚的。这可能是非常天真的，尽管只有时间才能证明。
I often wonder what kind of advancement could happen in my lifetime in such a way where it seems completely beyond me to understand things my grandchildren use on a constant daily basis.
I used to think about this but now I think that because we’ve grown up during a time of rapid/constant consumer technological change that we will just be constantly adapting to new things our whole lives and we won’t get caught out by it. That could be incredibly naive though only time will tell.
“我常常在想，在我的有生之年会发生什么样的进步，以至于在这种情况下，我似乎完全无法理解我的孙子们每天都在使用的东西？”
我过去经常这样想，但现在我认为，因为我们是在一个快速/持续的消费技术变革的时代长大的，所以我们一生都会不断地适应新事物，我们不会被它所束缚的。这可能是非常天真的，尽管只有时间才能证明。
Craig_52
I haven’t carried my wallet in over 8 years. I think it might be in my bedroom. Not sure. I know I haven’t seen it in at least 6 months. All my cards are on Apple Pay. That 2-3 times a year I need cash when out and about… I can get it from a cash machine with my phone. I have never in 18’years lost my phone. I have smashed one a few times. But they are still useable. I have never run out of battery because.. well I charge it while i sleep. The battery can last at least one day.
My pet peeve and what annoys me the most. When I just want to pick something up quick and people are fannying around with cash. Why!?
我已经有八年没带钱包了。我想它可能在我的卧室里。不确定。我知道我至少有六个月没见过它了。我所有的卡都在Apple Pay上。我每年外出时需要用现金2-3次，我可以用手机从提款机取钱。18年来我从未丢过手机。我打碎过几次。但它们仍然可用。我从来没有没电过，因为……我睡觉的时候充电。而电池可以持续使用至少一天。
我最讨厌的事，也是最让我恼火的事，就是当我只想快点买东西，而别人却拿着一把现金在那磨蹭的时候。这是何苦呢！？
I haven’t carried my wallet in over 8 years. I think it might be in my bedroom. Not sure. I know I haven’t seen it in at least 6 months. All my cards are on Apple Pay. That 2-3 times a year I need cash when out and about… I can get it from a cash machine with my phone. I have never in 18’years lost my phone. I have smashed one a few times. But they are still useable. I have never run out of battery because.. well I charge it while i sleep. The battery can last at least one day.
My pet peeve and what annoys me the most. When I just want to pick something up quick and people are fannying around with cash. Why!?
我已经有八年没带钱包了。我想它可能在我的卧室里。不确定。我知道我至少有六个月没见过它了。我所有的卡都在Apple Pay上。我每年外出时需要用现金2-3次，我可以用手机从提款机取钱。18年来我从未丢过手机。我打碎过几次。但它们仍然可用。我从来没有没电过，因为……我睡觉的时候充电。而电池可以持续使用至少一天。
我最讨厌的事，也是最让我恼火的事，就是当我只想快点买东西，而别人却拿着一把现金在那磨蹭的时候。这是何苦呢！？
snapper1971
I ran into the Cashless society yesterday. My plastic was at home and my phone doesn't have a card on it.
I was in Winchester with my son. We decided on a KFC, no cash accepted, then Domino's, no cash accepted, then McDonalds, no cash accepted. In the end we drove to Sutton Scotney and got some snacks from WH Smiths, with actual cash.
I don't want to live in a cashless society.
我昨天真遇到了无现金社会。我的信用卡在家里，手机上也没有绑卡。
我和我儿子在温彻斯特。我们决定去肯德基，那里不收现金，然后是达美乐，也不收现金，然后是麦当劳，也不收现金。最后，我们开车去萨顿斯科特尼，用现金从WH史密斯买了一些零食。
我不想生活在一个没有现金的社会里。
I ran into the Cashless society yesterday. My plastic was at home and my phone doesn't have a card on it.
I was in Winchester with my son. We decided on a KFC, no cash accepted, then Domino's, no cash accepted, then McDonalds, no cash accepted. In the end we drove to Sutton Scotney and got some snacks from WH Smiths, with actual cash.
I don't want to live in a cashless society.
我昨天真遇到了无现金社会。我的信用卡在家里，手机上也没有绑卡。
我和我儿子在温彻斯特。我们决定去肯德基，那里不收现金，然后是达美乐，也不收现金，然后是麦当劳，也不收现金。最后，我们开车去萨顿斯科特尼，用现金从WH史密斯买了一些零食。
我不想生活在一个没有现金的社会里。
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