I was scammed out of £3,000 online – perhaps it’s time to go back to cash

Most of us now have multiple online subscriptions which make us vulnerable to fraud. Scammers can steal from Uber and Deliveroo, the life-support systems of our offspring. The kids have signed our family up to Disney+ and so many other channels that I barely know what they are. Mum gets teased about her ignorance and I always laughed along merrily. Now I see such casual assignment of my credit card to providers unknown as stupid and dangerous.

Cash being usurped by contactless payments has only added to the heedless, spending-money-like-water phenomenon which is so alien to my mother and members of her thrifty wartime generation. When my sister and I were growing up, Mum had a housekeeping ledger, a ring-back notebook, in which every expense was recorded. There was a separate, smaller book by the phone to note the length of calls. Heated and loud were the remonstrations if you dared to go over a certain number of minutes. Would-be boyfriends proved their devotion by having a large pile of change for the phone box. Alas, the sound of the pips followed by a coin clunking into the slot to buy a few more precious seconds of long-distance longing is now as extinct as the love letter.  

Compare and contrast with my recent visit to the Vodafone shop, where I signed up to a contract only slightly less incomprehensible than the Treaty of Versailles. As I left the shop, the manager asked pleasantly, “And how would you describe the way you feel after your experience with us…

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