Cash is used to buy most illegal shit. Which doesn’t mean we should abolish cash. And if you can’t see the risks in governments and corporations tracking every little expense of yours, well you have a very low threat model. But don’t assume that anonymous transactions and tools are only useful to criminals, because minorities, journalists and whistleblowers use them every day to avoid prosecution under authoritarian governments.

This fixed it for me

I use Jerboa and it works fine. There are alternatives.

Who decides what constitutes surplus?

Who decides what’s good? I learned lots of stuff on YouTube and Facebook helped me stay in touch with people I would have never been able to connect with again otherwise.

Yes. With the added bonus of decentralization.