MartaI [2025-03-11 08:49]:
V. Mikalauskas kas savaitinėje laidoje ....

MartaI [2025-03-11 22:30]:
Kiti ir jauni atrodo prastai, o jis senis..

topl0305 [2025-03-12 11:29]:
Ir? Kurioje vietoje matai suvaržymą?

topl0305 [2025-03-12 11:29]:
Ir? Kurioje vietoje matai suvaržymą?

✅ Pros of the Digital Euro
Fast and Easy Payments

Instant transactions, potentially even offline.
Works across borders within the Eurozone.
Enhanced Security and Trust

Issued by the ECB – stable and not prone to failure like some private digital currencies or payment platforms.
Financial Inclusion

Could offer access to digital payments for people without traditional bank accounts.
Reduced Reliance on Cash

Useful in a society increasingly going cashless, while still preserving the benefits of central bank money.
Sovereignty Over Payments

Reduces reliance on non-European payment providers (e.g., Visa, Mastercard, PayPal, Big Tech).
Support for Innovation

Can enable programmable money for things like smart contracts, automatic payments, or conditional transfers.
Crisis-Resilient

Could function even during natural disasters or cyberattacks that knock out commercial banking systems.

❌ Cons of the Digital Euro
Privacy Concerns

Even if designed to preserve anonymity, users may worry about surveillance or government tracking of transactions.
Impact on Banks

People might move funds from private banks to digital euro wallets, which could affect bank stability or lending capacity.
Tech Infrastructure Risks

Needs ultra-secure and highly reliable infrastructure; any breaches could erode public trust quickly.
Complex Implementation

Rolling out a pan-European digital currency is a massive logistical and technical challenge.
Potential for Negative Interest Rates

A digital euro might make it easier to apply negative rates to consumer holdings if ever needed, which people may resist.
Limited Use or Redundancy

If people stick to current digital payment methods (cards, apps), the digital euro might see limited adoption.
Government Control Concerns

Some fear potential future controls like spending limits, expiry dates on money, or use restrictions—though the ECB says such features won’t be included.

The author extends prior work to estimate the gap between what workers earned in 2023 and what they would have earned with a more even growth rate from 1975 to 2023. The bottom 90 percent of workers would have earned $3.9 trillion more with the more even growth rates that would amount to the cumulative amount of $79 trillion. These numbers differ from the prior estimates because of inflation, growth in inequality, and a longer time frame.