Hi mate, thanks for your comments.

Does your wife call you a jew or chinese man?

I don't recall my wife calling me a Jew or Chinese. I ate Chinese food once, would that count? I'm pretty sure she would never call me either though, because I am neither. She called me a sexy man the other day though - I think she's biased my way although it still felt good knowing she thinks so.

Don't you think that budgeting and controlling our spending will become so much harder once cashless society will become reality? Just curious.

I feel budgeting and spending-control is difficult for many even now, due to the advent of credit card and contactless EFT payments. The PayLater and Afterpay concepts are also making it more difficult however the onus has to rest on the consumers shoulders. Sure, the banks make spending easy, however no back has ever twisted a person's arm and forced them to spend.

I also believe that people's insistence to attach their feeling of self-worth, value or social-stature upon material things adds to the issue. This is a situation unlikely to reverse in the future, only get more prevalent in this materialistic and egotistical world, so yes, I think budgeting, saving, controlling expenditure and future-planning will become harder for more people.

Again, thanks for your comment and, yes, I see your Discord thing. I don't use Discord much and I actually don't know what Telegram is to be completely honest.