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3

While people question govts in a democracy, in India the govt questions anyone questioning unaccountable govt actions. And supporters think that while India was a democracy under UPA, under Modi it has become some kind of Hindu Empire and questioning the king means "off with their heads" sort of thing. For some reason, Ritesh Dwivedy confused private individuals, not elected to public positions nor employed by public funds, as those accountable to him for their personal views and actions. And then sulked and asked again when no one thought him important enough to consider seriously. Entertaining as it is, he clearly seems to be disoriented as to who his rights as a citizen entitle him to answers from, so trying to help him find his way in the muddle this alleged democracy is becoming.

Clarifying some problems he appears to be facing. All quotes from one or the other article linked above unless explicitly mentioned.

Aadhaar is a unique indigenous innovation that empowers every Indian by providing them with a secure and verifiable identity.

This statement is completely unsubstantiated and likely at the root of all the confusion. He has been informed a lot of glorious things about Aadhaar. They are not necessarily true. Verification is an important skill in today's times when the government routinely lies to people in order to get them to believe, like Ritesh Dwivedy, whatever they wish people to believe.

Aadhaar is going to be the backbone of India becoming a developed country, and is receiving global acclaim from entities like Bill Gates, The Economist, the World Bank, Raoul Pal, and others.

These guys? Why wouldn't foreign power cartels appreciate the tool that hands them power over India on a platter? Big data is big power and leaky big data is big control without accountability for opportunists. Who needs terrorists when you have hackers and crucial data of the entire country is in a form the government has little ability to secure? Is this government supposed to serve their interests or those of citizens? Of course the other two pillars of this servitude by this government are demonetisation and promotion of cashless transactions in a country they forgot to get fully on the internet first. That is how dumb this government is. If such a database were empowerment, why is it being forced on third world countries?

One whiff of WannaCry and RBI has all ATMs shut down. On the other hand, it is the country with all these people praising us (without US doing it themselves) created the ransomware originally. To get a better perspective, they have actually done an attack on a nuclear facility in Iran with Stuxnet. Our idea of security is "don't enter random numbers for Aadhaar or we will consider it hacking" - a freaking bank did a replay attack on the Aadhaar database while "testing" their setup and neither are replay attacks prevented after that, nor the known "violators" refused access to Aadhaar - we are fucking out of our league on competence. It is like praising a 5 year old for writing all his secrets in his "private" diary in its hiding place behind the park bench. Except the 5 year old is writing down the security codes for getting into their home. Oh wait Indian homes don't have security alarms and such. Oops sorry.

Think of it like this. If Aadhaar is this easy to misuse, it will be misused and it is being misused and so far people have just got away with it while those who exposed flaws got arrested.

How many more years do you want India to remain a ‘developing’ nation?

Forever. I hope India never stops developing. How many years do you want India to be a banana republic wannabe pleasing foreign powers at the cost of citizens?

Why are you silent on all the benefits we are seeing as a result of Aadhaar?

For the same reason I'd be silent if my 5 year old came home happily telling me about her new best friend. A grown man acting in a shady manner, whom she thinks is absolutely fantastic. There are problems that are visible to one with experience on the subject. Just because all my daughter knows about the nice man in the park is that he gives candy doesn't mean it is a good thing.

Waise, why are you silent on the countless problemswe are seeing as a result of Aadhaar?

Why are you misleading the Indian public about Aadhaar through fear-mongering and sensationalism?

Why are you misleading the Indian public about Aadhaar through false assurances and "bagon mein bahar hai"?

Why are you willing to give biometrics to foreign govts and corporations, but not to your own govt?

Because our government is proved to be incompetent with data security. There isn't a single other biometric database that can be queried for identity by any Tom, Dick and Harry - because it is an idiot idea to begin with, with too high error rates to be efficient at what it claims to do and too poor security to protect citizens from the risks such a database presents. Nor is anyone in this circus apparently interested or aware that citizens have rights in a democracy and you can't just say "Idea, let me make the whole country do whatever I wish AND foot the economic and security costs of my whims without question". BJP was right on Aadhaar when UPA was in power. Today BJP has sold the country out a hundred times more than UPA even planned (though no guarantees, it is the same creeps even now. Only the sarkari gullibles have changed) Incidentally, I haven't given my biometrics to foreign governments and corporations, and most Indians have not.  Also foreign governments and companies have limited use of my biometrics, unlike the Aadhaar, which is being forcibly attached to absolutely every important transaction a person can do from hospitalizations to bank accounts, property to crop insurance. Misuse or denial has the power to literally finish the ability of a person to access own funds, communicate, live in own home or even survive if medical needs. No foreign government has been stupid enough to enslave own or other citizens this badly. Yet.

Tell you what, you do some homework and hardwork and expose some of that data you are comparing Aadhaar to, then we will have some grounds for an actual comparison, yes? Good part is, those guys won't even arrest you, you'll actually earn bug bounties. So not even risky like fighting Aadhaar under a totalitarian state.

Why are you opposed to using technology to benefit the nation?

Next you will say any and all technology is benefit only. Like the govt spamming me daily is benefit to the country, etc. Technology isn't inherently good or bad. I am opposed to insecure technology being used to generate big data for power cartels at the cost of citizens. Benefiting the government and benefiting the nation are not necessarily the same thing. Just like dissent is a right and opposing the government is not anti-national. A government is a temporary entity that changes every five years. My nationality doesn't change every five years. Get your civics right and a lot of these government peddling issues will get sorted.

Why speak half-truths and ignore the lakhs of people who are getting benefits for the first time because of Aadhaar?

Next you will say babies are being conceived because of Aadhaar only. In a country this size, people are constantly becoming eligible for something or the other. It isn't because of Aadhaar. Aadhaar makes you eligible for zero benefits. It is simply the dog in the manger inserted by the government that PREVENTS otherwise eligible people from getting benefits because the government chooses to deprive them unless they surrender their privacy for it. Think about it. It is actually an imposed indignity. I will forcibly take your fingerprints if you want the pension you spent your entire career working towards. This is helplessness. Not benefit.

Cleaning up the PDS system - for example - requires cleaning up the PDS system. It doesn't take fingerprints to know whether someone is eligible for PDS. But authentication issues sure have deprived loads of people whom you are ignoring while pointing fingers in an increasingly crazed manner.

And this is me talking because you irritated enough people that they pesterd me to reply, but the information is from the government. Most people who got Aadhaar already had documents to provide proof of address and identity for it.

 

And so on. Not bothering to read or reply further. Because personal attacks are not arguments and this is plenty to entertain those who wanted to see you get a reply. Just because you make an assumption doesn't mean it is true. Nor are you relevant enough to the larger picture to take seriously.

Return with data, technical arguments, fact based information that isn't just "But why don't you ignore all the ghastly stuff and just meditate on all the pretty?" or consider this post the answer for anything you write on the subject till eternity.

7

Growing evidence shows that India is serving interests of foreign influencers at the cost of the well being of Indian citizens. Demonetisation is just one in a long list of moves that benefit big money.

Finance Minister, Arun Jaitley, said something interesting when he addressed the Digi-Dhan mela today. He said that Bill Gates told him that more than 100 Cr have mobile phones, 109 Cr have Aadhar cards, digital economy will boom in India.

This had many people puzzled. What does Bill Gates have to do with anything that he's been quoted out of the blue? Why would Bill Gates be the source of information on how many mobile phones or Aadhaar cards are in India for the Finance Minister with access to National statistics? For example the Assocham Deloitte study that says that internet connectivity is still out of reach for 950 million Indians? A few others, who had been paying attention to the news remembered Bill Gates endorsing the demonetisation last month and then denying much knowledge of it and limiting his endorsement to the digitisation of the Indian economy.

But what does Bill Gates have to do with India's demonetisation that he was even asked to comment or endorse it at all or that made headlines on the subject twice and a month later the Finance Minister used data allegedly provided by him to support the viability of this insane venture? 100 crores is 1 billion - in a country of 1.2 billion, with 22% of the population (264 million!) below an absurd poverty line. You'd need to hand phones to babies on birth to get that kind of penetration! That alone should tell you that the number is useless for anything more than propaganda. It is the total number of SIMs sold. Of them "active" - used once a month at a minimum - are 900 million. This number would also include dual SIM phones, SIMs used for non-phone devices (air pollution measuring devices, for example), multiple SIMs used for businesses and so on. This really tells you nothing about the kind of penetration that would allow cashless transactions. Far more accurate statistics with relevance to demonetisation are available for India that make it clear that India has 220 million (100 crore is 1 billion) smart phone users (not all of them have internet enabled).

For that, we must rewind a bit, to something I've mentioned briefly in previous articles and explore it in more details.

Worldwide, as banks fail to manage their money responsibly, we are seeing them flounder. Powerful companies and people writing and influencing monetary policies are encouraging cashless transactions - supposedly to improve the government's coverage for taxation, but in reality, in a country with 70% of its population only owning 10% of its wealth while the top 1% own almost 60%, the cost of digitizing the vast majority of citizens is not even going to be covered by anything that can possibly be recovered from their meagre income that is way below taxable limits. It doesn't take a hotshot economist to know that in a country where 1% of the population pays taxes, the "tax net" is unlikely to get any substantial benefits from being thrown over 100% to see who gets caught. The costs of such an exercise would outstrip any benefits.

What going cashless actually achieves is providing a lifeline to banks by:

  1. Getting most of the nation's money into them and shoring up their failing liquidity
  2. By generating an income for them from the routine transactions of every citizen's day to day living.
  3. Preventing withdrawal of cash from banks by people who want to make more economical choices instead of paying commissions for every use of money.

This happening in India is of a great deal of profit to the global banking elite as well, as credit card services, banks invested in India and other financial service providers generate an income for banks based outside India with their shares of the seemingly small transaction charges on day to day use of money in a country of 1.2 billion people.

There is a great deal of effort put into "encouraging" countries worldwide into adopting cashless transactions by the global financial elite and governments stumped by failing banks and the lure of improved tax collection are capitulating, though none fell as hard and recklessly as the Indian government.

The Quint had correctly reported that the USAID had launched the “Catalyst: Inclusive Cashless Payment Partnership”, designed to scale digital payments systems in India in partnership with India's Ministry of Finance on the 14th of October. This is the press release on the official USAID website. So it is unclear why The Quint updated its article to remove this information and instead add an update that it was initiated jointly by USAID and GOI, but commissioned on the 15th of November as though it didn't happen till it was commissioned. Regardless, this explains what Bill Gates was doing there at all to be commenting on the demonetisation - that should have been a domestic issue. Among the organizations partnering in the Catalyst is the Bill & Melinda Gates Foundation.

Also included in the list is the UN fronted Better Than Cash Alliance that India joined on the 1st of September 2015. To quote their website, "The Alliance is funded by the Bill & Melinda Gates Foundation, Citi Foundation, Ford Foundation, MasterCard, Omidyar Network, United States Agency for International Development, and Visa Inc. The United Nations Capital Development Fund serves as the secretariat."

So, Bill & Melinda Gates, Omidyar Network, Mastercard and Visa participate as themselves as well as as part of the Better than Cash Alliance. USAID participates through the BCA. World Economic Forum participates directly. Many Indian banks, and surprisingly PayTM as well as phone networks are included.

Way before anyone in India articulated a need for cashless payments beyond the normal use for convenience - and there was an existing natural rate of adoption, USAID and its allies seem to have got the bright idea that India needed to go cashless and moved to get India to participate. Not one, but two organizations created in their need to "save" India from itself. One wonders why. The economy was doing well, the government was already undertaking means to improve access and inclusion of more citizens in the banking system - for example, the Jan Dhan Yojana, the expansion of the DBTL scheme (both of which put citizen's money into banks, the second mandatorily) had both been launched before the government joining these groups for promoting a digital economy in India.

Given the catastrophic results of the demonetisation, and the complete absence of consulting with anyone in the country - the government's own economists, RBI directors or security agencies included, it becomes important to ask just who was consulted and the quality of information that was provided and whether it influenced decisions adversely for the country.

There are reasons to believe that there may have been influence against National interest:

  1. Jaitley's direct quote of incorrect statistics allegedly provided to him by Bill Gates, that he used in order to justify the demonetisation at the Digi Dhan mela, even as all statistics of any reputable source point to the opposite. The RBI's data even shows that while the number of card transactions at PoS has increased (out of necessity), the value of transactions has actually gone down, clearly indicating a reluctance to adopt cashless transactions more widely than what was going on naturally.
  2. While in opposition, the BJP itself has pointed out that the CIA works through the USAID programme acting through philanthropic foundations to destabilize countries. There is considerable evidence to support this that BJP were already aware of. USAID has been implicated in covert operations to support subversive activities in countries from Cuba to Pakistan and notably the backing of Al Qaeda affliated rebels in Syria recently.
  3. Ford Foundation grants have in the past preceded at least two major political upheavals in the country - the Janlokpal Andolan and the creation of the Vivekananda International Foundation (which backed it and later ran subversive slander campaigns undermining the newly emerging AAP) were both preceded by grants by the Ford Foundation to their founding members or organizations. The Jan Lokpal Andolan discredited the government then in power. The Vivekananda International Foundation masterminded the rise of the current government, discredited the Aam Aadmi Party that was on the rise and now has an extraordinary number of members appointed to government positions, including the National Security Advisor Ajit Doval, under whose "able guidance", India's regional foreign policy has collapsed. There are allegations that he influenced a controversial supercession in the appointment of the next Army Chief.
  4. Contributed by reader Prem A (in comments below): The conflict of interest doesn’t stop there, Dr Nachiket M. Mor is the country directory of Bill & Melinda Gates Foundation and he is also one of the directors of RBI.
  5. Usual sources of reliable advice and information to the government appear to have been bypassed in this apparently "well planned" demonetisation, indicating that other sources of information were likely used - the government may potentially have been misled to use information that was not in national interest. This needs investigation given the mounting damage being inflicted on the country.
  6. Strangely, neither the government's joining the Better than Cash Alliance, nor the Catalyst were reported in India at all. For a government that proudly publicizes its every sneeze and hiccup that is dutifully given maximum publicity by a subservient media, if this were indeed a move that would benefit India, it is unclear why the Prime Minister would not proudly declare it.