this post was submitted on 06 Jun 2024
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Privacy
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Privacy is the ability for an individual or group to seclude themselves or information about themselves, and thereby express themselves selectively.
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Swish is partly owned by the Central Bank of Sweden(which is 100% state owned) so it is basically state owned. But as with the digital euro, the private banks play a big part and atm are needed in order to facilitate the digital transactions. This could change in the future.
Your points are societal points and not currency related points. You are right, there are significant issues with swish, you basically need to be a swedish citizen(have a "personal number"). A lot of things in Sweden are gatekeeped by needing a "personal number". This is an obstacle even for other EU(Schengen) europeans.
Societies are built with the majority in mind. There are holes that need to be fixed. But the existence of holes does not mean that they cant be fixed.
As far as privacy is concerned, you are right, this is a big attack on privacy. But it doesnt have to be, it is just that the governments want it to be. Not because of some megalomaniacal genocidal plan but for tax and criminal issues. Could it be used for more nefarious plans in the future? Sure. You can always use a cryptocurrency like monero though.
What all can you purchase with monero? I don't see a lot of shops around me accepting any crypto whatsoever.
Drugs and guns.
Just don't assume it provides anonymity both now and in the future. Even if you follow recommended security practices, Monero can leak details that can help track you. And if you were using Monero when it started, it was far less secure then, and all those transactions can be analyzed now.
If our societies would be perfect (now and any time in the future), we would not need this discussion, maybe not even privacy at all. Though a lot of things are very good in our societies, I guess we will not live to see them becoming perfect, so I rather retain some caution, and privacy.