Late Stage Capitalism
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Introduction to Socialism (external links)
Marxism-Leninism Study Guide: Advanced Course
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Plus the money is always in an account now, so it's always available for banks to leverage for their profit. Instead of only when the dollar is deposited.
In a cashless world, banks can just make up how much money everyone has, while trading with it. All of it is just numbers in a ledger that banks handshake on "moving" from one place to another.