The war against paper currency has been pursued by governments and banks for decades now, and the result is that in modern nights almost all transactions are done electronically. This is the future history of money and banking - newTRIBES style.

The war against paper currency has been pursued by governments and banks for decades now, and the result is that in modern nights almost all transactions are done electronically. Even many gray and black market operations conduct legitimate electronic sales of products at inflated prices, and include the black market goods along with the legitimate purchased goods. This is the timeline of the war against money. 

1990 – Studies indicate that paper money carries large quantities of contaminants. Primary among these are cocaine (and later cocaine-analogs after the destruction of the coca plants by the DEA designer plague) and staphylococcus epidermidis. Both are considered harmless at this time.

2003 – The war on drugs is still going strong, and leads the United States into the second invasion of several Central American countries. At the same time the war continues at home with the creation and implementation of incredibly sensitive drug-sniffing systems. Hundreds of people are detained at airports around the US for possession because of the quantities of cocaine-analogs embedded into the money they are carrying. Many of these detainees who match other ‘indicators of criminal behaviour’ disappear entirely for months or longer under the eye of the “gang of four”. Foreign nationals caught by these drug screens are immediately denied entrance to the United States.

2019, July – In the rash of vancomycin- and oxazolidinone-resistant bacterial strains discovered after 2018, one that became very well known was a mutation of the common staphylococcus epidermidis – a bacteria that is naturally occurring on human skin and mucous membranes. While this bacteria is harmless in most humans with active immune systems, it was noted in July of 2020 that a strain had become completely vancomycin- and oxazolidinone-resistant – meaning that there was no longer any known ‘magic bullet’ antibiotic that could kill it. It was immediately noted by the World Health Organization that further mutations of this strain could pose a significant threat to humans world-wide.

2019, April – On April 4th, Johannes Dupont died of an infection caused by a paper cut that became infected with a newly-discovered fully-resistant strain of staphylococcus aureus. Johannes was a federal bank employee, and the origin of the cut was traced to his handling of money. Further, the hospital and media misreported the infection as a mutation of s. epidermidis as opposed to a new strain of s. aureus. There was an immediate uproar in the media as the ever-present skin bacteria became the talk of the world. This date is generally regarded as the beginning of the black market in antibacterials, as the population panicked in response to the news and began hoarding banned actibacterials to protect against everyone else’s epidermal bacterium.

Now
Since 2019, the public opinion has been firmly against the use of printed currency. It is viewed as dirty and unsafe – a carrier for drugs and bacteria and now potentially of nanovirus infection. Governments and banks around the world have worked to encourage this opinion, as electronic currency is far easier to track.

Tonight, citizens see printed currency as the tool of black market drug and weapons dealers and others who are obviously trying to circumvent the banking system.

Most printed currency in circulation is quite old, as those who circulate it cannot actually bring it to a bank for fear of it being traced to their illicit transactions. Much of it has become vermin-eaten (or at least vermin-nibbled), and the concentration of drug residue on these bills is greater than would be expected from prior studies because the bills have been in circulation around the drug trade for much longer periods of time.

Banks are unwilling to hand out much cash to clients, typically only carrying a thousand dollars in liquid cash assets in the bank on any particular day, claiming that there is not enough demand for them to stock any real quantity of printed currency. Governments have helped banks in this manner, with legislation allowing many banks to not stock any printed currency at all.

Banking
The world looks down on cash and those who conduct business with it. Cash is dirty, diseased, and old. However, electronic banking leaves a distinct electronic trail through which corporations and governments can follow you and your spending habits. Thus, a variety of banking alternatives have sprung up.

Legally, most citizens have access to a major bank account to do 99% of their transactions. These accounts are fairly safe and secure, are insured against the bankruptcy of the bank, and allow for direct payment basically around the world. An employee will typically have his salary deposited directly into a commercial bank account, and then spend from that account using a personal cash card.

Some banks also issue ‘blind’ cash cards. These cards are linked to a temporary account that holds a small amount of money (usually under $5,000) and can be accessed by the current possessor of the card, regardless of the owner. This works much like cash, as you can give the card to someone for them to spend it. While this reduces the ability of a bank to monitor your spending habits (as a fair percentage of blind cards are used by people other than the owner of the original account), banks still offer this service because they charge between $20 and $50 service fee for setting up the account and card, and because most users will throw out a card before it is completely empty because many stores and will not take multiple forms of payment for a purchase (so you can’t pay using the last $4.16 in the blind card, and cover the rest with your regular account). Unlike normal accounts, blind accounts cannot have money deposited into them after they have been opened.

In addition, many companies issue a portion of their salaries in corporate scrip. Corporate scrip is a credit against the accrued wages of employees. In a corporate suburb or complex, where everything is run, created and owned by a company, scrip provides the worker with the same access to goods as money does. In this way, the corporation can ensure employee loyalty, and many corporations actually sell some of their products at a discount to customers buying with scrip. Some corporations allow employees to exchange scrip for regular banking funds, it is almost never done at face value. Scrip in this context is basically only valid within the corporation where it was issued. While businesses in neighboring communities may accept the scrip as currency, they rarely provide a 1 for 1 exchange, because the scrip can only be exchanged with that company. Some corporations will subcontract local businesses to accept their scrip at face value, and some businesses may accept scrip at full value because they already buy product from the company issuing the scrip. Corporate scrip is much like modern gift cards – in addition to depositing standard currency into your commercial bank account of choice, the employer also deposits a scrip amount into an account that they manage internally and that you access with a branded personal cash card.

Some corporations allow for ‘blind’ scrip cards, much like blind cash cards from legitimate banks, as detailed above.

To confuse the line between bank accounts and scrip, some corporations have ventured into traditional banking in addition to their other businesses. Companies like Commerce, Miyashi Technologies, Trident and BaurMaat have opened legitimate commercial banks, where an account is just as protected, legitimate and ensured as the standard large banks. Where this gets confusing is for employees of Miyashi Technologies and BaurMaat, who’s employment contracts force employees to do their banking through the corporate bank, and who are paid both to their corporate bank account and to their corporate scrip account.

Finally, in an effort to avoid big corporate banks, there are smaller banking companies that open and close around the world on a nightly basis. These net.banks accept currency in just about any form, and provide clients with a cash card that accesses their net.bank account. Most net.banks are set up in nations with lax banking laws so that purchases made with these cards are not traced back to the owner of the account, but just to the bank. The downside is that these accounts are either expensive to maintain (some banks charge incredibly high user fees), difficult to access (some stores and many corporations refuse to accept funds from non-chartered banks), and sometimes just disappear with your money.

As a last resort, some people still deal with cash. While some countries have completely ceased backing printed currency, North America still clings to it. Approximately 0.001% of the money in the economy at any one time is available in cash, and the vast majority of it is held by the banks. With the widespread acceptance of electronic tender as a safer way to do business, cash is seen as the tool of the black market and of drug dealers.

Top 10 Major Banking Providers
Kobayashi Tokyo Financial Group
Winngroup America
Grupo Bianchi (originally from Spain & Italy, handles 80% of Latin American banking)
The Tokushima Group
Sumitomo Holdings
Mizohu Scotland Banking (merger of the royal bank of Scotland and the Mizohu group)
KFL AG (Swiss)
Sachs Fargo Investment Group
FirstBank
Global Investment Group

Regional / National Banking Providers
Credit Suisse
CoreBank Services Inc. (CBSI)
BAMACredit
GoldSouth Banks

Corporate Banking Providers
BaurMaat
Commerce
Eastern Gas & Power
Four Rivers
Miyashi Technologies
Trident

Corporate Scrip Issuers
BaurMaat
Eastern Gas & Power
Forest Media Group
Four Rivers
HellHound Interface Systems
Kovac Kabushiki
Miyashi Technologies
Toshiro Worldwide

net.banking providers
Vasilyev IG
Bizenjo AG
Marwat Ltd
The Montazeri Companies Group