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Ever notice how long it takes payments to clear? This is why.

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Every time you pay with credit card, some poor banking intern has to run from the bank to the store with a wheelbarrow full of cash from your account

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Even without electronic payments, Fed would just print money with increasingly more zeros is all. Look at Zimbabwe, that's literally the inflation situation you're thinking about without electronic payment and even them still have the brain to print cash with 000000000000000 instead of using the old obsolete greenbacks.