[Ravus]

I moved to Sweden three months ago. The article is good in pointing out that a cashless society has runaway effects to other social systems. Despite being in one of the best situations possible (EU citizen, works in tech, has assistance from locals) and being proactive about it, I am still without a Swedish bank account. In order to have an unrestricted one, you need to have Swedish ID, which is a multi-step process that requires registration with a Swedish address. Having acquired ID recently, my application has been sent, but the bank can potentially refuse it.

This locks me out of BankId, which locks me out of large sectors of society. Bank accounts in my native country are supposed to be closed once one no longer resides there, but doing that is simply not an option if I want to survive.

It is very easy to accidentally design systems that lock out foreigners moving into a country. The EU must oversee member states on this aspect or this will effectively destroy our freedom of movement.