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Reasoning Within The Text>Identify Counterargument Practice Test

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Q1

In the rush to declare the future cashless, it is easy to treat paper money as an embarrassing relic. City councils laud transit systems that accept only tap-to-pay, merchants cite shorter lines and cleaner counters, and technologists celebrate the data trails that digital payments leave behind. In this chorus, every beep of a phone seems to register as progress. Yet the insistence on speed and traceability is only part of the story. Cash is not a mere convenience; for many people it is the only workable medium of exchange. Workers paid off the books, undocumented residents wary of creating financial footprints, elders without smartphones, and people with unstable housing all rely on bills and coins not because they prefer the hassle, but because the alternatives impose different costs.

Proponents of cashless systems often reply with a tidy metric: cashless means fewer crimes around checkouts and transit turnstiles. They point to studies showing fewer robberies near stations once the booths cease handling cash, and fewer fraudulent bills in circulation when retailers stop accepting them. It is a compelling claim, and it would be obtuse to pretend the evidence does not exist. But its force is less decisive than its packaging suggests. Crime displacement is real; robberies may move rather than vanish. And the savings for retailers who need not count drawers or reconcile tills do not magically translate into access for a worker who has no bank account and no data plan.

A common rejoinder is that solutions already exist for the unbanked: prepaid cards, app-based wallets, or kiosks that convert cash deposits into digital credits. These instruments do widen the doorway, but they also charge fees, harvest data, and tie daily life to private platforms with long terms of service no one reads. The point is not that cashless systems are inherently nefarious. It is that the harms of excluding cash are disproportionately borne by people with the least leverage to absorb them.

The question, then, is not whether digital payments confer benefits. They plainly do, including faster throughput and, in some contexts, less cash handling risk. The better question is which benefits justify which trade-offs, and who is asked to pay. Mandating cash acceptance alongside digital options in essential services and high-traffic public venues does not plunge us back into the past; it simply keeps the public square legible to those for whom a card reader is not a gate but a wall. A transit rider who feeds a bill into a machine may slow the line, but a rider turned away for lack of a chip slows the justice of the city itself.

The future may well be less cash dependent. If it is also less forgiving of lives that do not fit neatly into payment apps, we will have mistaken uniformity for progress. The aim should be a system that captures the benefits of digital tools without making cashlessness a proxy for civility or modernity. That aim is achieved not by banishing cash, but by designing around it.

The author's discussion of studies claiming cashless systems reduce street crime serves primarily to...

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