True but I think the easiest solution for them is force these applications to use and pay with the Digital Yuan. Any other currency is directly converted into the digital yuan and you pay the premiums to convert back to other currency. If they do so, they force the applications to go through banks for currency exchange. However, that economical system is pretty deadly and I would not want to live in that society.
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AS I know the Chinese, they will do everything to get what they want, no matter the costs. I would not want to live there either, trust me. I know first hand how it is to live in communism.
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