Something that often comes up, in discussions about providing financial aid for those on low incomes, is the idea of a “payment card“.
Rather than handing out cash, this would be something that looks and acts rather like a credit card, which is topped up every so often with a fixed amount of credit, but which can only be used to purchase a limited set of goods. Food and other essentials, for instance, but not booze and cigarettes and other things that simple cash money might be frittered away on.
This may, at first, seem like a worthwhile way to make sure that those we’re trying to help are actually being helped; that, if some people have naturally unreliable spending habits which have led them to a situation where they need help, those habits can be curbed by not giving them the chance to spend their funds unwisely.
It’s understandable if such a scheme doesn’t immediately strike you as unconscionably heartless, cruel, and dehumanising.
But it’s an idea that’s been tried before. A couple of years ago, for instance, the Azure card came into use in the case of some asylum seekers. The “countless horror stories” touched upon in that CiF article – kids going without clothes, parents having to walk miles to a supermarket which might accept the card because they aren’t allowed to buy a bus pass – speak for themselves, as well as highlighting the incompetence of the government’s implementation of the scheme.
Or, if individual tales of embarrassment and degradation don’t move you, just look at the stats. A majority of card users were unable to attend essential health appointments, were turned away from supermarkets they’d been told would accept it, and found the experience of using the card humiliating and a source of anxiety. These aren’t just teething issues or a handful of isolated problems; this is the standard result when you take disenfranchised people and further remove their autonomy and dignity.
Government has amply and repeatedly proven its complete lack of ability to run such an operation in any morally justifiable manner. Yet it persists in keeping huge swathes of the public under the thumb, and going to great lengths to make sure nobody gets a damned penny more than they’re deemed worthy of, for the sake of meagre financial savings, while imposing a tragic and needless oppression on those who’ve already had the most opportunity stolen from them.