We can't rely on centralized fiat money anymore. We need to get rid of banks, and become our own banks. Decentralized PRIVACY crypto currencies are the answer. Monero (XMR), Pirate Chain (ARRR) and Dero (DERO), says The Dollar Vigilante; Jeff Berwick. There are some more privacy crypto currencies, but it needs to be private. Bitcoin and Ethereum blockchain are fully transparent. The governments can track exactly who payed who and how much. That's why it needs to be privacy crypto currencies. The bakery and the butcher should start accepting those, so they can compete with supermarkets. And this needs to happen collectively. As many people as possible need to take part in this: Stop using their currencies!
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And at the same time: Throw away your smartphone.
It's a bit more complicated than I imagine.