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I use cash once a year, at my work Christmas party. We all put £20 in the kitty, so only one person has to go to the bar. I still have £15 in my wallet left over from December, it likely won't be touched again until next December, but it's nice to know it's there in case of emergency.

Of course, I don't take my wallet with me more than once a month - day to day it's all Google Pay.

I've seen a few people mention ID. Do you, in the land of the free, need to carry ID cards all the time? Like in 1930s Germany? Why?
 
in north america, a driver's license is a form of id card. claim a mail in the post office, or vote, or apply for a cable line, you can use a driver's license. some places you can even declare you are an organ donor through it.
 
If I'm unconscious (due to an accident or medical condition, for example), I'd sure want emergency personnel to know who I am.

You can easily add a medical ID to your iPhone emergency screen, with your medical data as well as the stuff on your actual ID. That's better, because you can add much more information.

Even so, it seems like a niche case. Of course, I'm only 40, and have no conditions like heart disease or epilepsy, but I have never known anyone who had to be identified by their ID - there's always been other people around, and I've always been conscious. Of course, the chance of getting shot is approximately the same as getting struck by lightning on this side of the pond, so perhaps it's more important over there.

My preconceptions are showing aren't they? Perhaps it's American TV. When I actually visited Florida this time last year, I had a great time, didn't feel at all unsafe, saw no guns... And used Apple Pay every time!
 
I've seen a few people mention ID. Do you, in the land of the free, need to carry ID cards all the time? Like in 1930s Germany? Why?
Many, if not most, Americans drive, especially when shopping (as distinct from commuting to/from work). That requires a driver's license, which under law you're supposed to have with you when driving.

One of the few places I can think of where Americans would be less likely to drive themselves around shopping would be New York City, but that's mainly due to a somewhat practical mass transit system (subways, etc.)[1]. Any other city with a somewhat practical mass transit system would be the same, but so few American cities would qualify (especially if compared to EU cities), that the far safer bet would be "drive themselves", although Uber/Lyft-ianism might be a close second.

[1] Not that it would compare favorably to many EU cities, it's just the most plausibly qualified.


FWIW, all US driver's licenses will have to conform to RealID requirements by Oct 2020. You can probably find out the details for that by googling.
 
in north america, a driver's license is a form of id card. claim a mail in the post office, or vote, or apply for a cable line, or claim reside you can use a driver's license. some places you can even declare you are an organ donor through it.

A driving licence is ID in the UK too, and we too need it to claim mail at the post office. We don't need it for a phone line, or to vote, so it's a once in a blue moon thing, not every day.

I'm going to take mine tomorrow when I take a £2,500 bicycle for a 48 hour test ride. The last time I needed it was to log onto to the government website to get a code to prove to my employer that I'm licensed to drive the company van, which has to be done every 3 years.
 
My preconceptions are showing aren't they? Perhaps it's American TV. When I actually visited Florida this time last year, I had a great time, didn't feel at all unsafe, saw no guns... And used Apple Pay every time!
You obviously didn't spend any time swimming in areas marked "No Swimming". Otherwise you might have met up with a Florida shoe supplier, aka alligator.
 
You can easily add a medical ID to your iPhone emergency screen, with your medical data as well as the stuff on your actual ID. That's better, because you can add much more information.

say you're unconscious in a hospital, and your phone is locked, can the doctor put your thumb in your phone ? what are your laws ?
it may be a once in a blue moon, but if it saves my life, i want to have it.
 
Many, if not most, Americans drive, especially when shopping (as distinct from commuting to/from work). That requires a driver's license, which under law you're supposed to have with you when driving.

One of the few places I can think of where Americans would be less likely to drive themselves around shopping would be New York City, but that's mainly due to a somewhat practical mass transit system (subways, etc.)[1]. Any other city with a somewhat practical mass transit system would be the same, but so few American cities would qualify (especially if compared to EU cities), that the far safer bet would be "drive themselves", although Uber/Lyft-ianism might be a close second.

[1] Not that it would compare favorably to many EU cities, it's just the most plausibly qualified.


FWIW, all US driver's licenses will have to conform to RealID requirements by Oct 2020. You can probably find out the details for that by googling.

Lots of us drive over here too - but we're not required to carry it, which I think is the root of the difference. If we get pulled over, we get 7 days to produce our paperwork at the local police station. It's all online now, so even that might not be necessary - I only had to do it once, and that was 20 years ago.
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say you're unconscious in a hospital, and your phone is locked, can the doctor put your thumb in your phone ? what are your laws ?
it may be a one in a blue moon, but if it saves my life, i want to have it.

The medical ID is in the emergency call screen, which appears after failing to log in, so your point is moot.
https://support.apple.com/en-gb/HT207021

Low probability high impact events are interesting. I wear a seat belt every time I drive, though I haven't needed it since I hit a tree in 1998. The financial industry simply ignores them (and then demands charity when they lose money).
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You obviously didn't spend any time swimming in areas marked "No Swimming". Otherwise you might have met up with a Florida shoe supplier, aka alligator.

I swam in Volcano Bay, and I confess I did feel unsafe falling 120ft almost vertically - but the landing was surprisingly soft.
 
You can easily add a medical ID to your iPhone emergency screen, with your medical data as well as the stuff on your actual ID. That's better, because you can add much more information.

There's so many ways that could go wrong though. Your phone battery is low, the person who gets your phone doesn't know about that feature, etc.

I swam in Volcano Bay, and I confess I did feel unsafe falling 120ft almost vertically - but the landing was surprisingly soft.

Did you like it? Early reviews of the park seemed to indicate they hadn't gotten the virtual queues with the wristbands working well. Hopefully that's changed by now.
 
I've seen a few people mention ID. Do you, in the land of the free, need to carry ID cards all the time? Like in 1930s Germany? Why?

so we agree that a medical ID in your phone is a form of ID that you need to carry all the time.
 
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I’m currently carrying $4. Up until 3 weeks ago, I’d say I always have an emergency $20. I had about $80, but gave that all to my wife for a weekend away.
I now am back to always having an emergency $20 on me.
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so we agree that a medical ID in your phone is a form of ID that you need to carry all the time.
I’ve been considering adding an ID bracelet as part of my running attire, but if I have to drive somewhere I have at least my license and one credit card.
 
i have an incipit iPhone7 case that can store a drivers license and 2 credit cards

never carry cash or even a wallet
 
I usually don’t carry much cash. Most transactions are done with debit card.

If nobody else has said anything, use a credit card. Even a basic one. When (not if) somebody jacks your debit card, they take money directly from your account which can be more difficult to recover and it will be your problem. If they jack your credit card it doesn't really matter much to you, they just send you a new one.
 
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If nobody else has said anything, use a credit card. Even a basic one. When (not if) somebody jacks your debit card, they take money directly from your account which can be more difficult to recover and it will be your problem. If they jack your credit card it doesn't really matter much to you, they just send you a new one.
But if they steal your debit card they would also need to steal your PIN number.
Plus if money is stolen from your account (fraud), at least in my country you are covered for the first £50,000. I don’t usually have that much in my current account!
 
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Not quite. You can buy a disposable card with a debit card. And while the US now offers chip and pin, too many retailers still allow sliding, as our American cards have both chip and pin function, but also magnetic strip.
 
Not quite. You can buy a disposable card with a debit card. And while the US now offers chip and pin, too many retailers still allow sliding, as our American cards have both chip and pin function, but also magnetic strip.
We’ve had chip and pin for years in Europe. But to be honest I’ve never had a card lost or stolen and I’m covered anyway.
 
We’ve had chip and pin for years in Europe. But to be honest I’ve never had a card lost or stolen and I’m covered anyway.
Yeah, the American system defeats the purpose. Though retailers are free to disable the sliding portion of their PoS terminals and keep the slot for inserting the card enabled.
 
But if they steal your debit card they would also need to steal your PIN number.
Plus if money is stolen from your account (fraud), at least in my country you are covered for the first £50,000. I don’t usually have that much in my current account!
I like the humble-brag implied by "usually".
 
Haven't read the whole thread, so this may have already been said:

One of the most powerful means of control that governments and corporations could possibly have over you is knowing where you spend every penny. You will be exposed and limited in ways you can't even begin to imagine yet.

Switch to a fully cashless society at your peril. All of the advantages are nothing compared to that single disadvantage.

Source: Man old enough to know what a cash pay packet looks like, and cynical enough about humans to predict that we will still go fully cashless anyway, and regret it forever.
 
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Around my home area I usually carry some cash with me, not a lot; if I am going out for lunch or dinner with a friend I'll often carry a a bit more so that we can simply put the bill on one check, she can put it on her debit or credit card (or I can put it on mine, whichever works out best for us). I give her the cash for whatever it is I owe for my meal and tip. Just makes things a little simpler. When traveling, I also like to have at least a hundred dollars or so in cash with me for incidentals, just in case...but for the most part I prefer to use a debit or credit card for gas, hotel, most meals, etc. It is easier to keep track of expenses when using cards and getting the statements later.
 
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I've seen a few people mention ID. Do you, in the land of the free, need to carry ID cards all the time? Like in 1930s Germany? Why?
Most Americans carry an ID card with them because it is needed to do a lot of things in daily life. Even going into a bar in a busy part of town, you will get your ID's PDF417 barcode scanned/magnetic strip swiped, even if you look more than old enough (The scan reveals whether you have caused trouble in the past or not by checking against a database the local bars use, rather than just an age thing). If/When you're stopped by police, you rather have it, than being called into the station because they think you're lying about who you are. Also when using a credit card, some places ask for ID (they don't when you use Apple/Google Pay or Tap to Pay), remember, as US Credit cards are Chip & Signature, not Chip & PIN.

Some stores like Walmart will scan your ID when you return something without a receipt. This way they can track if you have "done it soo many times" that they will ban you from returning items to the store at all, etc.
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Haven't read the whole thread, so this may have already been said:

One of the most powerful means of control that governments and corporations could possibly have over you is knowing where you spend every penny. You will be exposed and limited in ways you can't even begin to imagine yet.

Switch to a fully cashless society at your peril. All of the advantages are nothing compared to that single disadvantage.

Source: Man old enough to know what a cash pay packet looks like, and cynical enough about humans to predict that we will still go fully cashless anyway, and regret it forever.
Tin Foil Hatters I knew would come out. Its a fiat currency anyway, which means your cash can easily be no good tomorrow if the government felt like it. Whether if its on a card, or on paper money, its a fiat currency, not backed by anything other than the government saying $1 is $1.
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A driving licence is ID in the UK too, and we too need it to claim mail at the post office. We don't need it for a phone line, or to vote, so it's a once in a blue moon thing, not every day.

I'm going to take mine tomorrow when I take a £2,500 bicycle for a 48 hour test ride. The last time I needed it was to log onto to the government website to get a code to prove to my employer that I'm licensed to drive the company van, which has to be done every 3 years.
You don't need an ID to vote? I don't want this to get political, but that seems like kind of dangerous. Here in Arizona, you scan your ID on a touchscreen before your ballot is even printed. Then when you're done, you insert the ballot into another bin with a touchscreen on it which electronically counts it.

What about going to a bar? Bars here on Mill Ave maintain some sort of database to see if you caused any trouble in the bar in the past/got banned etc. The bouncers would scan your ID's barcode to check your ID against this database. Doesn't matter if you look over the age of 100.

Even when riding a train, caught without your pass? The ID is the only way they are able to mail a ticket to your house/issue you the ticket. Otherwise, you will have to go into the Police station and prove who you are that way, which doesn't sound much fun to me. You CAN get by remembering the ID numbers off of your ID card, which I do. In this case you'd give them the numbers, your name, and birthdate, and they can radio it in and confirm you're actually not fibbing them.

As for getting a phone account, it has something to do with some terrorism law I am sure, but I am sure it REALLY has to do with the fact that they run credit checks etc to make sure you pay your bill on time.

AutoZone swiped my ID when returning some car parts. No swipe? Well then I just don't get to return the item., as returning items to a store is a privilege, not some right. The store uses this to track how many times you are returning something to prevent people from "renting" tools they need, etc. I know Walmart does not allow you to return something without a receipt more than 3 times in a year, and they track this by scanning your ID card.

What I really want is my state to make a digital ID card. That would be nice, and I can ditch the physical card at home, or just leave it in the car.

Also, we aren't TOO behind, we also have the same fancy government websites in our state, ServiceArizona and MVD Now, which now even allows you to electronically title a car, and sell it, etc.
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But if they steal your debit card they would also need to steal your PIN number.
Plus if money is stolen from your account (fraud), at least in my country you are covered for the first £50,000. I don’t usually have that much in my current account!
Look at all the gas pump skimmers in the US and ATM skimmers in the US, they have a camera to steal the PIN number. There has even been a new phenomenon called the chip punch out now, where the ATM is fitted with a device that would also punch out the chip from your card, so they can implant it on another card. Hopefully one isn't too drunk to notice their card is now chip-less when they got it back out of the ATM.

And then there also is card shimming, which of course is happening in my state, go figure. https://www.kgun9.com/news/local-ne...reat-shimmers-are-making-their-way-to-arizona

So the safest way to pay is Apple Pay.



tl;dr In America, most people carry their ID cards & Apple Pay is the best way to pay.
 
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