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Moreover, Rogoff acknowledges that the downsides that he ascribes to paper currency can be upsides depending on one s values and on one s own circumstances. For example, Rogoff argues that one benefit of mostly eliminating cash would be that illegal immigrants could no longer work and live in their adopted country under the radar, but notes that  what one person sees as illegal immigration, another might see as an escape mechanism for those fleeing from persecution and extreme poverty wholesale hat .

More than that, it is in this section that Rogoff makes the most problematic assumptions about his audience. While many Keynesians might embrace the newfound potential for negative real interest rates, many others especially exponents of the Austrian school  would think giving central banks this capability would be destructive and immoral, allowing the state to further siphon off individuals hard-earned cash balances. In this case, Rogoff s flagship argument may come across to many as a huge drawback of phasing out cash.

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