theNetherlands

You do have control over this. You can still fuck up, that’s what the special bank account is for.

What do you mean by “the special bank account”? No one can force a bank to accept their business. Even basic bank accounts have qualifications. Not that it matters because since you can’t deposit your cash into a basic bank account, you’re not in control anyway.

Hence the basic bank account.

If your money is in cash, that’s useless. And even if you can get it transferred, it’s still useless if you can’t find a bank that doesn’t impose closed-source software on you after that trend runs its course. Mortgage contracts in force today predate imposed smartphones w/big attack surfaces and were signed before the consumer could have predicted that.

I did not know that. I can see why, though. Banks are already asking several euros per deposit because nobody likes dealing with large amounts of cash.

It doesn’t matter what their excuse is. They’ve created situations where debtors cannot pay their debt despite having the money.

That depends on how much cash you have.

It does not.

You can spend it on groceries

Buying groceries does not pay your mortgage lender. So say you convert the cash into beer. Then what? You ask the mortgage lender if they can accept beer?

or give it to someone else who can deposit it and send the money over to you from their bank account.

LOL. I was shocked when I heard an energy supplier suggest this very same thing. I said “will you be my friend for 2 minutes, pay my bill, and accept my cash?” (silence).

How can you seriously suggest that it’s okay to draft policy that relies on consumers having friends who aren’t also unbanked?

We can’t change anything about Canada changing their laws.

It’s not Canadian law. It’s international treaty between NL and Canada. NL agreed to it. Surely you don’t believe Canada has direct authority over Dutch banks.

That’s not really our problem.

It is your problem because Netherlands agreed to the International Covenant on Civil and Political Rights and is bound by it.

If the Canadian government tells its citizens they must use a monitored bank account and Dutch banks don’t play ball, then that’s a problem between you and the Canadian government.

Not when you have human rights violations. The DUTCH bank under DUTCH law in this scenario is treating Canadians different than Australians (for example). It’s a human rights violation and the jurisdiction is Netherlands. Canada’s only role was to coerce the Dutch into violating the human rights of Canadians. The violation is at the hands of the Dutch who should have rejected the treaty.

I’m not sure what human right is being breached here. You, as a Canadian, with a registered address, have the same rights as everyone else

Same human rights, yes, but getting different treatment under Dutch law. That is the problem.

International Covenant on Civil and Political Rights

Article 26:

“All persons are equal before the law and are entitled without any discrimination to the equal protection of the law. In this respect, the law shall prohibit any discrimination and guarantee to all persons equal and effective protection against discrimination on any ground such as race, colour, sex, language, religion, political or other opinion, national or social origin, property, birth or other status.”

(emphasis mine)

If you’re borrowing money from someone, they can state their terms and it’s up to you to accept them

Article 25 ¶1 of the Universal Declaration of Human Rights:

“Everyone has the right to a standard of living adequate for the health and well-being of himself and of his family, including food, clothing, housing and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control.”

So you have lenders pass through human rights violations (via forced but unequal banking) onto Canadians who undertake to secure housing under article 25. When the bank discriminates against Canadians and the mortgage lender imposes forced banking by contract, the human rights violations are also at the hands of the mortgage lender.