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00:00Hello and thanks for stopping by.
00:18In any case, it's always nice to almost feel like coming home.
00:21And I'm happy that I can be here so often.
00:23And this year the topic is not quite as entertaining as a cup auction.
00:29It's about payment cards or, as I prefer to call them, control cards.
00:34And I want to try to give a bit of an overview in the next few minutes,
00:39What is it actually and why does it have to go and what can we do about it or to make it go away.
00:47So first of all, a little bit about the question: okay, what are payment cards?
00:49For about a year now, we've been hearing repeatedly that payment cards are going to be introduced and are being introduced.
00:55And the term is relatively politically charged.
01:00First of all, a payment card is actually just something like a prepaid card.
01:05This means that a credit-based card that does not have a dedicated account
01:10that people cannot overdraw and with which they can pay for things without cash.
01:17Now you might be wondering why people want to give refugees payment cards at all
01:25and don't they have their own account?
01:28You have to know that in Germany, since, I think, 2016, there has been a right to
01:33to have a so-called basic account.
01:36This is an account that banks cannot deny people,
01:40as long as they do not have another one with another bank,
01:43which should also be open to people who, for example, do not have a fixed residential address,
01:48People who do not have a German passport and who have arrived in Germany
01:54or even people with Schufa entries,
01:58which make it difficult to open normal or full-fledged accounts at banks.
02:03This means that people who come to Germany and have fled
02:06then actually everyone is entitled to such a basic account,
02:11it just takes a relatively long time, or rather too long,
02:15when you have just arrived, that this is set up,
02:18because of course the usual financial institution processes are still involved
02:22and then there was an idea, okay, to issue payment cards,
02:26to bridge this period.
02:28This is an idea that is not bad at first,
02:31but then politics happened, including Markus Söder in Bavaria
02:37and the actual objective of payment cards, which was once the basis,
02:43has been quite, I would say, perverted.
02:47We find the actual administrative objective in the draft law on payment cards.
02:53It was, okay, we want cash payments under the Asylum Seekers Benefits Act,
02:59These are the benefits that people who apply for asylum receive,
03:04further restrict and minimize administrative burden.
03:08And that is a relatively understandable goal,
03:11because if we have a cash payout,
03:13It is not yet about having access to cash,
03:15but it is about the payout process,
03:17then the municipalities have quite a lot of things to do,
03:21that they must observe.
03:22That means, of course, they have to somehow get this cash,
03:24what they give out to people, have with them first
03:28and secure accordingly
03:29and people usually come at the beginning of the month,
03:32to collect this money,
03:34which can be relatively costly for municipalities,
03:37because they sometimes also need security personnel
03:39and have to keep this money safe somehow.
03:43That means that the municipalities somehow say,
03:45to handle cash for understandable reasons,
03:48We don't think that's good
03:51and not everyone has an account yet.
03:54That means we need some kind of option.
03:56First of all, that is what the law says.
03:58But the question is, what is the political discussion really about?
04:01and what was the reason given to the public for this?
04:07If we take the FDP presidium, which proclaimed about a year ago,
04:12they want a decisive pull factor
04:15for so-called illegal migration to Germany.
04:19And a pull factor, at least in this rather outdated model
04:24of pull and push factors something that attracts people to Germany.
04:30This means that one reason for people who are fleeing
04:33specifically to come to Germany.
04:37And then there are so-called push factors.
04:39Of course, these are reasons, such as in the country they come from,
04:42there is war and persecution.
04:43Reasons such as unemployment or ecological reasons of
04:47My country, where I actually am, is simply sinking and no longer exists.
04:52The problem with this whole pull and push factor model is,
04:55that it is actually used primarily for populist purposes
04:57and since the 80s, which is quite a long time ago,
05:02is strongly questioned because the reasons or this more or less
05:07A model of something running on a plane pushes people out of their
05:12countries of origin and something draws them somewhere else,
05:15is quite simplified.
05:17And connections like, okay, how does it work with, I already know people
05:22in any country or I may even have family support
05:26and other things are not taken into account.
05:28Ironically, the German Interior Ministry still saw it the same way in 2020.
05:36Bavaria has already had the idea of making payment cards,
05:38to scare people away and then in the statement from the
05:42Ministry of the Interior at that time under Horst Seehofer it was just said,
05:48There is actually no serious research that says
05:54that social benefits of any kind have any decisive influence
06:00on migration decisions.
06:02That means, all this fuss about, you have to somehow make it as easy as possible for people
06:06uncomfortable, so if you take into account all the other reasons for and against
06:11speaking, is just total bullshit.
06:14That is, what is it actually about?
06:16It is mainly about deterrence and showing people that we do not want to
06:19and it's about control.
06:22And why is it about control and how can this control be achieved with these
06:26Actually, if we don't add anything else, we'll have to implement prepaid cards first?
06:32On the one hand, it is about controlling people’s consumption behaviour
06:37and there is also, Markus Söder may appear a few more times,
06:42Markus Söder stood up at the very beginning of the discussion and said,
06:45Yes, people should be able to buy Leberkäse, but not alcohol.
06:50That is, it was about saying that there are good things that you can do with your money,
06:56that you have, so when we talk about money, we are not talking about a lot of money,
07:00but through money according to the Asylum Seekers Benefits Act.
07:02These are partly for people who still live in shared accommodation,
07:07up to 200 euros per month.
07:10That means we are not talking about large amounts of money, but rather about relatively little money.
07:13Now we also want to determine what you can buy with it.
07:16This demand from Söder was dismissed relatively quickly because, technically speaking, it is complete nonsense.
07:21But what is possible is that you can restrict on these cards,
07:25which retailer categories people can shop at.
07:30This works because there are so-called merchant category codes,
07:35issued by major credit card manufacturers
07:39and where there are relatively many areas of dealers.
07:44That means we only see a very small section.
07:46We are already at number 5192 for dealers,
07:51which sell books and newspapers, for example
07:56or sell flowers or sell paint.
08:00That means there's also one for snowmobiles and such.
08:02That means there are somehow very, very many of these codes and they can be technically excluded.
08:09This means that when a person goes to such a card terminal with a payment card,
08:14then the map does not say here.
08:18But in reality this is total nonsense,
08:21because the majority of traders run on such a very general code.
08:26That means we have the general food retail trade that has these codes
08:30and in that I get everything.
08:32That means, if I somehow go to Netto, where I can buy alcohol,
08:35There I can buy strange promotional items and books and flowers and all sorts of things.
08:41That means that for most things it is completely irrelevant.
08:44What is possible with it, however, is to prevent people from
08:49Money, to use transaction services.
08:51That means if I go to something like Western Union, which allows me to transfer money,
08:55then I can rule that out.
08:57And that's the second big point.
08:59It is also about control over money transfers.
09:02That is, one of the proclaimed goals, if you believe our current Minister of the Interior,
09:08is that it wants to put a stop to the inhumane business model of human traffickers.
09:15And the bitter thing about payment cards is that all these arguments are always thrown into the room,
09:21which, however, cannot be proven at all.
09:22This means that we have no evidence at all that people who receive asylum seeker benefits here
09:28In memory, very little money, or any significant amount of money, was transferred to countries of origin.
09:36And we certainly have no evidence that this money is then used for human traffickers and smugglers.
09:42Because it is not the case that if I use a smuggler and a trafficker,
09:46about the deterrent and inhumane migration policy for which the Federal Government, among others, is responsible
09:52and to overcome all these borders that make people need these smugglers and traffickers,
09:57because nobody does it voluntarily.
09:58Then it is not the case that I tell them
10:00Man, here, if I am somehow in Germany now and then I get the money
10:04and then I'll pay it back to you in installments, that's not how it works,
10:08but the evidence or the figures that one has say,
10:12okay, especially people who are in Germany and now have jobs here,
10:16Some of them transfer money to their countries of origin to finance families who remain there
10:21or even to pay back debts to those who have just incurred them,
10:27to finance their escape to Germany.
10:29This means that we have actually created a problem ourselves through politics and isolation policies,
10:34especially the EU, that it needs smugglers and traffickers, which it itself transports
10:39and then you want to make it even harder for people,
10:42put a barrier on this business model, as they call it, for which there is no evidence at all.
10:47Another control option that these cards provide is
10:51is a control over the whereabouts of people.
10:54That means there are people who have a so-called residence requirement,
10:56This means that they are not allowed to leave a district, for example
11:00and with these cards I can continue to enforce this,
11:05because if I cannot withdraw significant cash with the card,
11:09but can only pay cashlessly,
11:12then I can't move outside this radius
11:15and I have to make my necessary purchases within this radius.
11:21The whole thing can then be completely perverted,
11:23by expressing it like one of the manufacturers of such cards,
11:26This can be used to strengthen the local economy in a targeted manner.
11:30So, I think that's a harsh quote.
11:35And when this whole discussion started, around mid-to-late 2023,
11:41somehow nobody remembered
11:43that we already know the whole idea from the 90s,
11:46because payment cards were already introduced in the 90s,
11:50conducted in several German cities and they have failed completely.
11:55This means that there were pilot projects primarily in Berlin, but also in three or four other cities.
12:02In Berlin, I think, it was from 1998,
12:05where payment cards were issued to refugees
12:09and the whole thing went completely against the wall,
12:11because, on the one hand, the cards were largely not accepted.
12:15There were about 70 shops in Berlin that accepted them.
12:18People had to travel long distances.
12:20But there were also fraudulent models,
12:23where clever traders have come up with
12:26okay, we'll exchange for cash
12:28and somehow charge people exorbitant fees,
12:31because they are in a dire emergency situation.
12:33And there was a blatant stigmatization of the people,
12:37if the card didn't work
12:39and also because people said back then,
12:42people should not be allowed to buy cigarettes with these cards,
12:46people should not be allowed to buy alcohol with these cards,
12:49but only things of daily use.
12:51And then there were scenes like this,
12:52that you had to discuss it with sales staff at the checkout,
12:56whether a cooking pot is an everyday item or not.
13:00And in the end the whole thing more or less died,
13:04piecemeal in the various Berlin districts,
13:06because the administrative effort was simply too high.
13:10Even back then there was the so-called anti-racist shopping,
13:14where, I think, Berlin shared flats
13:16for people who have shopped with these cards
13:19and then said,
13:20Okay, we’re going to do our weekly shopping now,
13:23meet once a week in front of the following supermarket
13:25and in the end we basically give
13:27what we bought with your card,
13:28to you as cash.
13:29There were also some great tips,
13:31where organic coffee is on offer,
13:34so that you can stock up on it somehow
13:36and with not so cheap goods,
13:39with as little volume as possible,
13:40which you then have to lug home,
13:41most of the cash can then be exchanged back.
13:44That means it was already completely pointless back then,
13:46because the system could be circumvented
13:48and fortunately, things changed relatively quickly
13:50solidarity initiatives found,
13:52who did exactly that.
13:54But what happened in the 90s,
13:55has simply been forgotten again
13:56and then they said, okay,
13:58In November 2023, the Prime Ministers agreed
14:02that there should be a payment card,
14:05to reduce cash payments to municipalities
14:08and reduce administrative costs
14:10and then you somehow develop a model like that.
14:13Some then rushed ahead
14:14and did not wait for the January 31 model,
14:18including Hanover.
14:19Hanover already has in December 2023
14:22such a card was introduced,
14:23the so-called Social Card,
14:25but in a actually relatively good way,
14:28because Hanover has not imposed any restrictions on this.
14:31That is, Hanover said,
14:32okay, we issue this card,
14:33there is somehow this money on it
14:34and with this money people can then withdraw cash.
14:38This means that we no longer have cash with us at the offices
14:42and have to secure it somehow and manage it somehow
14:44and then somehow hand it out to people individually,
14:46but people go to the ATM
14:48and withdraw from this ATM
14:50as much cash as they want or don't want.
14:52You can pay the rest with your card and that’s it.
14:54Then there was the counter-model in Greiz.
14:58In Greiz, a map will be available at the beginning of 2024
15:00with virtually the maximum possible restrictions.
15:04This meant that you couldn’t even shop in neighboring Gera,
15:07but only in rural areas.
15:09They have also ensured
15:10that somehow the instruction was
15:11even if people return their deposit,
15:13they then somehow do not get the 30 cents paid out in cash
15:16and then the amount is credited back to the card.
15:17And then you also had the problem,
15:20that people who may come from other countries
15:24and somehow try to buy other food,
15:26that they know from their countries of origin,
15:29simply couldn’t do that either,
15:30because they could not go to larger cities,
15:32where these foods are available.
15:35And then the then district administrator
15:37was considered a great success,
15:40because apparently after a month
15:43a few of the people to top up the card
15:46have not appeared again,
15:48what she then sold,
15:49as if they had left
15:50and as if one had thereby achieved one’s disgusting goals,
15:54which cannot be proven,
15:55but you can always try.
15:57Then, after that was already happening in Greiz,
15:58there were then nationwide requirements
16:02and there were restrictions,
16:07which are planned nationwide,
16:09a little bit clear.
16:11That means you knew
16:13okay, it shouldn’t be possible with this card,
16:16To transfer things.
16:18And if we somehow briefly
16:19put ourselves in our own lives
16:21and consider
16:22okay, what are we constantly transferring,
16:24then that's actually quite a lot.
16:26And if we then consider,
16:27okay, which of these things
16:28which you transfer
16:29or those that run via direct debit and such things,
16:32cannot be avoided,
16:34then we still end up with a whole lot,
16:36because then we end up with things like a Bahncard,
16:38then we somehow end up with things like this
16:39such as memberships in sports clubs,
16:41but then we end up with things like,
16:43I need a lawyer somehow.
16:45And if I am a refugee
16:47am in an asylum procedure,
16:48then maybe I just need a lawyer.
16:50And it became clear,
16:51that this way away from,
16:54okay, we relieve the administration
16:56and save them the hassle of handling cash,
16:58okay, we really use this,
16:59to make people's lives as difficult as possible.
17:03But that wasn't enough.
17:04And then the discussion about the cash limit started,
17:06because some had said,
17:07including Markus Söder,
17:09We're going to have to deal the toughest card of all.
17:12And the others thought,
17:13Man, we're not leaving Söder alone with this.
17:15And we will then agree in June,
17:17that we set a nationwide cash limit
17:22of 50 euros for each adult person.
17:26That is, the situation is
17:28people get money on this card.
17:31In the case of accommodation it is approximately 200 euros
17:34and from this you can then receive 50 euros per month
17:37for an adult person.
17:40It says adult person,
17:42then you ask yourself,
17:42okay, what about children
17:44and minors?
17:45The situation is inconsistent.
17:48What has happened at the moment,
17:49that one can partly for children
17:51so you can withdraw an extra 10 to 20 euros,
17:54What I find particularly nasty is
17:56because it is actually for children and young people
18:00needs a lot of cash,
18:01when we think about it,
18:02Okay, you have to pay a copy fee at school,
18:05you may have to somehow for school trips
18:07the people or the children
18:08give some pocket money
18:10and all these are things,
18:12that no longer work.
18:15Fortunately, over the course of time
18:20people have also become aware of
18:22who said, okay, that's not possible,
18:24We are taking legal action against this
18:26and fortunately, this also happened in July 2024,
18:30after a nationwide agreement on this cash limit,
18:37was said for the one case in Hamburg,
18:40by the Social Court in the urgent decision,
18:42Such a blanket cash limit is inadmissible.
18:48The whole is not yet the decision in the main proceedings,
18:52this is the decision by expedited decision,
18:56because it was about
18:57I mean, we know
18:58a court case could take some time,
19:00but it was about an affected family
19:02with existing children
19:04and one person, the woman of the family,
19:06who was pregnant,
19:07where it was clear, okay,
19:09these people can earn their minimum subsistence
19:12no longer cover it,
19:13that they have 50 euros in cash,
19:15because you can also get additional services
19:17such as ultrasounds for gynecologists
19:19yes, paid extra money again,
19:21which you usually can't do without cash.
19:28Excitingly, a few days later
19:30at the Hamburg State Social Court
19:32there was then another decision,
19:36where it was somehow said,
19:37okay, cash,
19:39where the relevant press like Welt
19:42and titled it like this,
19:43Cash limits are okay.
19:45But that’s not true either,
19:46but in this case it was about
19:48that they said,
19:49no urgent decision is necessary.
19:52It was about a single person,
19:55who opposed it
19:57with the help of the Society for Civil Rights
19:59and pro asylum
19:59and where the court then said,
20:02we do not make any hasty decisions,
20:04because it is not so urgent,
20:05because this single person
20:07now not in contrast to for example
20:09to the family with the pregnant woman
20:11somehow absolutely right now
20:13needs a decision,
20:14but we can
20:15the normal way
20:17of the court proceedings,
20:19which can take a few months.
20:21Meanwhile, the nationwide tender was running
20:23and ran and ran and ran
20:25and actually at that time they wanted to proclaim
20:27start in the summer,
20:28to roll this out across Germany somehow
20:30and then this happened,
20:33which was foreseeable.
20:35It has turned out that
20:37I think in the second round
20:38There were still about twelve providers,
20:40who were in the proceedings.
20:41Then the awarding authority
20:44Dataport in Schleswig-Holstein
20:45decided to
20:46to whom she would like to give
20:48and then one of the losing participants
20:53in this procurement procedure
20:54just filed a complaint
20:57and thus the award
20:58not happen.
21:00That means,
21:02Of course, it's about a lot of money
21:03and of course, the providers have
21:05an interest in
21:05to win this tender
21:06and accordingly the providers try
21:10to still have any chance
21:11and present contradictions
21:13and complaints.
21:14Meanwhile, however, they have
21:16this is such an advertisement
21:18in the authorities' mirror
21:19from one of the providers
21:20by starting instead of waiting,
21:22Meanwhile, they are increasingly trying
21:23to address the municipalities directly,
21:25which in the meantime
21:26Some have already introduced payment cards.
21:28That is, the idea was actually
21:30Okay, we'll do it uniformly across the country.
21:32Then at the beginning you already have
21:33Mecklenburg-Western Pomerania and Bavaria said,
21:34no, we do our own thing
21:35and while the nationwide tender
21:38for the remaining 14 federal states,
21:41Many municipalities then said,
21:42we'll introduce it somehow anyway
21:44and then make contracts
21:45with individual providers,
21:46total wild growth
21:47and the whole thing fuels
21:48from the relevant providers,
21:50who with such beautiful contributions
21:51in media,
21:54the one from, what do you call it,
21:55decision-makers
21:56are widely read at the local level,
21:59place any advertisements,
22:01that people just
22:02bypassing the federal tender
22:05should hand out their cards.
22:08The question is,
22:08what is the current status?
22:09There was another complaint
22:12and just last Friday
22:15The Higher Regional Court of Karlsruhe then
22:18which is then the competent procurement chamber,
22:20said, okay,
22:22the second complaint
22:23We are still working on it,
22:26the hearing date for this is
22:27on October 18,
22:29that means relatively soon,
22:31but the suspensive effect
22:33This complaint is no longer valid.
22:36What does this mean for the situation,
22:38that we have in Germany?
22:39That means,
22:40that since Friday
22:41the federal states
22:42despite the ongoing complaint
22:44theoretically the order
22:46to the preferred bidder
22:48can award
22:49and thus theoretically
22:53the way for this
22:54nationwide uniform
22:56Payment card would be free.
23:00Interestingly,
23:00one of the unsuccessful bidders
23:03a problem in this tender
23:05and found in the award,
23:07which says,
23:08okay, there is now
23:09an authorization
23:10for the federal states,
23:11to retrieve that,
23:12but those who actually introduce it,
23:14these are the municipalities,
23:15that means somehow the cities
23:17and somehow circles
23:19like in circles and co.
23:22But that is why
23:23No authorization
23:24within the framework of this
23:25tendering procedure.
23:27That means,
23:27now it will probably continue
23:28foreseeably attacked,
23:30whether there is any authorization at all
23:32for municipalities and cities
23:34and so from these framework agreements
23:36to retrieve payment cards
23:38and I believe
23:38the entire legal dispute,
23:40if then on the 18th maybe
23:41a decision
23:42or after 18 October
23:43a decision
23:44in this entire procurement procedure,
23:46will be for quite some time
23:48move on.
23:49Both on this
23:50formal procurement law side
23:52as well as on the page,
23:55whether these limits
23:56are permissible or not,
23:59whereby we have decided by the emergency decision
24:00actually can already assume
24:02that courts also reach a verdict
24:03that such a blanket limit
24:05is not permitted
24:06and if you go even further
24:08wants to hold on
24:09on such payment cards,
24:11This means specifically,
24:12that for the individual case
24:13would have to decide
24:15how much cash
24:16should people be able to retrieve
24:17and then you have to look,
24:19OK,
24:20what are the living conditions
24:21these people,
24:22what illnesses does she have,
24:24what family status does she have
24:25and so on and so forth
24:26and then we can,
24:27I believe,
24:28the proclaimed discharge
24:30the administration
24:31pretty much rub it into your hair.
24:34Apart from all this
24:35legal trouble
24:35the payment card also
24:37a lot of trouble.
24:39For example, here in Dresden,
24:41because then you somehow
24:42as CDU with the AfD
24:43together any applications
24:45somehow votes
24:45and then at some point
24:46Friedrich Merz intervenes
24:47and to many
24:49funny argument,
24:51wasted energy
24:52and embarrassments
24:53for nothing really.
24:54Maybe for you too
24:55interesting,
24:57Pro Asyl and the GfF
24:59have all these
25:00Procedure sought
25:02with the decisions
25:03including in Hamburg.
25:04But there are also
25:05two procedures,
25:06before the Social Court
25:07run in Chemnitz,
25:08which have not yet been decided.
25:10It is about two
25:11very different cases.
25:13It is about a person,
25:15who has been
25:16in Germany is
25:17and lives in his own apartment.
25:20That is, in case
25:21where one actually says,
25:22okay, all these
25:23Initial asylum seeker benefits
25:25meet this person
25:26no longer possible,
25:27the person still has
25:28a payment card
25:29and should somehow
25:29manage their lives
25:30and since the person
25:32cannot transfer,
25:34can the person
25:35no longer pay for their electricity.
25:39And actually it was said,
25:40okay, for certain
25:41Recipients of transfers
25:43should it then
25:44provide so-called permission lists,
25:46in which it is then said,
25:47for example transfers
25:49to Deutsche Bahn
25:49are permitted
25:50or transfers
25:51to female lawyers
25:52are permitted
25:53or perhaps sensibly
25:54also transfers
25:55to electricity providers
25:56are permissible,
25:58but the responsible
25:59District Office
25:59refuses in this case,
26:01these transfers
26:01to unlock
26:02and the person waits
26:03it, I think,
26:03simply on it,
26:04that the electricity
26:05is turned off.
26:06But the social court
26:07in Chemnitz
26:07has not decided yet.
26:08Then there is another
26:09Procedure,
26:10which is also in Chemnitz.
26:11It's about a family
26:13and the authorities
26:16have this family,
26:18which consists of five people,
26:20a single payment card
26:22issued
26:23and said,
26:23OK,
26:24you must now
26:24your livelihood
26:26with this single
26:27Payment card cover,
26:29which then leads to
26:30that the people
26:31not independent of each other
26:32Be able to run errands
26:34and actually her life
26:38can dispute.
26:38The authority
26:39meanwhile slightly steered
26:40and those with a further
26:41card given,
26:42but the amount
26:43which they then make available
26:44have,
26:44is still so low,
26:46that it is not realistic,
26:47somehow makes sense
26:48to live.
26:51Then you ask yourself the question,
26:51OK,
26:52what do you do now?
26:54And I think
26:55this entire payment card number
26:56and this failure
26:58on a legal
27:00and formal level
27:01the nationwide tender
27:02and this complete
27:04Going-wild situation
27:06in the municipalities,
27:07which is kind of shit,
27:09because then you suddenly
27:09many different places
27:11has where you can
27:11must fight.
27:13But it can also,
27:13at least if you
27:14wants to get involved locally,
27:18not be so bad,
27:19because municipalities naturally
27:20are somehow approachable
27:22for you.
27:24And that is why I think
27:26my wish and my hope,
27:28talk to your local authorities
27:29and explains to them,
27:30why this is a shitty idea.
27:32That means,
27:32even if a nationwide
27:33Payment card comes,
27:35there is no obligation
27:36to introduce them.
27:37That means,
27:37the municipalities can
27:39somehow still
27:39themselves in their sovereignty
27:40decide and must
27:41don't spend that nonsense.
27:43And if you somehow
27:44looking for arguments,
27:45why that somehow
27:47is nonsense,
27:48then you can
27:48Of course, first tell us,
27:49OK,
27:50Payment cards threaten
27:51the subsistence level
27:52of the people,
27:54because by doing so,
27:55that they no longer
27:55free via cash
27:56can dispose of,
27:58but these limited
27:59amounts,
28:00There are many options
28:01denied,
28:03cheaper things
28:03to shop.
28:04That means,
28:04you can then
28:05not even somehow
28:06at the flea market
28:07get a cheap rattle bike,
28:09with which they
28:09the area.
28:11You can then
28:11no longer a lawyer
28:14pay.
28:14You can do many things
28:16not anymore
28:17buy cheaply online,
28:19because they can
28:20do not transfer anything.
28:21That means,
28:21they must then
28:22into a more expensive
28:23go retail
28:24and if they are in
28:25live in more rural areas
28:26and not exactly
28:27in the big city,
28:28then you can
28:29actually nothing at all anymore.
28:31Payment cards limits
28:32also from,
28:32For example, if I
28:33no longer
28:34in the sports club
28:35can be a member,
28:36because I think
28:37Membership fees
28:37can no longer transfer
28:38and thereby make it more difficult
28:39also integration
28:40and participation.
28:42That means,
28:42I deny people
28:44access
28:44into a society,
28:45that they might have,
28:47at least in the
28:48limited resources,
28:48because it is already difficult
28:49enough is enough with so little money
28:50and all the requirements,
28:52that people have,
28:53I just do it for them
28:53even harder,
28:55participate in society
28:55to participate.
28:57And also,
28:58which perhaps some
28:59Officials
29:00better understand,
29:01than these fundamental rights arguments.
29:04It's easy
29:04extremely expensive
29:05and elaborate,
29:06because the situation
29:07is not,
29:08that you simply
29:09automated
29:11the money
29:11every month
29:12on the map
29:12and the people
29:13then no longer
29:13have to go to the office,
29:14but because reality
29:15just looks different,
29:16because transfers
29:17individually unlocked
29:18must be
29:19if they will
29:20and that is how it will be
29:22also expensive
29:23for the municipalities
29:24and they are simply
29:25really,
29:26really pointless.
29:28That means,
29:29you achieve the goals
29:30with it,
29:31no matter what goals
29:32be it so,
29:33also the goals,
29:34that any people
29:36have,
29:36which somehow the whole
29:37Right-wing populism eaten up
29:38have,
29:38you can achieve
29:39no goals at all.
29:40That means,
29:40it really is a
29:41completely pointless
29:42undertaking,
29:43apart from
29:43Talk to your local authorities,
29:45I would say
29:45show solidarity,
29:46There are several initiatives
29:48exchange payment cards for cash,
29:54through this,
29:55that people,
29:57who have payment cards,
29:59to buy vouchers
30:00for larger supermarket chains
30:02or drugstore chains
30:03and then you can basically
30:04buys these vouchers
30:05for cash,
30:07For example, they get
30:08I don't know,
30:08a 50-euro drugstore voucher,
30:11you give them 50 euros in cash,
30:13these are things
30:13that run in several cities,
30:15for example in Hamburg
30:16very early
30:16and in Munich,
30:17but now also
30:18in Kiel and other
30:19and this shows again,
30:21how pointless this actually is,
30:24because you yourself
30:25these mangy,
30:27repressive goals
30:28cannot achieve this,
30:29with which you can
30:30in the current
30:31populist mood
30:34wanted to justify it somehow.
30:37And I think it is,
30:38very important,
30:38also maintain the pressure.
30:40This is such a process,
30:41that takes ages
30:41and somehow you forget that,
30:43because somehow through
30:43this great security package,
30:45that somehow introduced the traffic light,
30:46already the next load of shit
30:47somehow came to us.
30:49But I think
30:49Despite all this mess, we can
30:52and all this stuff,
30:54which rolls over you
30:55and all this shit-
30:57somehow deportation prisons,
30:59where people then somehow
30:59be put on bread and water,
31:01because they do not receive any social benefits
31:02should get more,
31:03we must not forget
31:04what else
31:04as happened before.
31:05That means,
31:05that's a lot somehow
31:06to clean up mess
31:07and a lot of crap to fight.
31:09But I think
31:10especially for things like this,
31:12which also take place in the municipal area
31:14or in our near field
31:15you must not lose attention.
31:18And I believe
31:18People,
31:19which, for example, here in Kiel
31:21also organize demonstrations against it,
31:24somehow show quite well,
31:26also,
31:27that you may not find everywhere
31:29is so shit.
31:31One sentence,
31:32which I want to give you at the end,
31:35there is a decision
31:35of the Federal Constitutional Court
31:37from 2012,
31:39which actually shows
31:41how unconstitutional
31:44this whole number is,
31:46especially with the whole argument,
31:48because we want to stop people
31:49to come to Germany.
31:51In 2012
31:52on the non-implementation of performance adjustments
31:56in the Asylum Seekers Benefits Act,
31:57that actually in itself
31:58a whole lot of difficulties,
32:02said,
32:02that human dignity
32:05not for migration policy reasons
32:07can put into perspective.
32:08That means,
32:09because I now feel somehow
32:09as the great law-and-order politician
32:11or as now somehow
32:12the right-wing politicians embrace
32:14wants to profile somehow,
32:16that is by no means
32:17and never a reason
32:19to in any way
32:20to impair human dignity.
32:22And with that I would say,
32:24that this whole payment card number
32:26hopefully sometime soon
32:29at the latest by courts,
32:32in the best case through insight,
32:33where the hope
32:33is not that big,
32:35is gone.
32:36Exactly.
32:36So do something.
32:37I believe,
32:38there is somehow potentially
32:39many little things,
32:39that can be done.
32:40Look,
32:40that there are somehow solidarity initiatives
32:42not only in the big cities,
32:43but perhaps also in the villages,
32:47where you can help people with it,
32:48that they have a little more cash
32:49have in hand
32:50and tries
32:50to attack the whole thing at its root.
32:53That's it from me.
33:05Yes, thank you so, so, so much, Anna.
33:08I'm sorry,
33:08that I can also give you a little
33:09I stole time
33:11now for the questions,
33:12but you were still right on time.
33:15Yes, above all the conclusion,
33:17what to do.
33:18Yes, as we are here again
33:20all actually stand
33:21and all lectures
33:22are a bit of your motto.
33:23Do you still have
33:24maybe still like this
33:25one or two questions for Anna,
33:27before I then...
33:29Yes, many.
33:30Okay, we can do this.
33:32You, oh, thank you.
33:34I also drink
33:34a mate in the yard,
33:35So I'm not going to run away right away.
33:36Ah, that's sweet, yes.
33:38Because I believe
33:38There are many questions,
33:40because it is just like that
33:41a really bad ongoing issue.
33:44So.
33:44First of all,
33:46thank you for your talk,
33:47your insight.
33:48I'm back here,
33:49is not that important
33:49for the question, but...
33:50I can't hear anything up front.
33:52Hello, test.
33:52Yes, better now.
33:53So.
33:54First of all, thank you very much.
33:56My second,
33:57or my question would be,
33:58whether the municipalities
34:00the social benefit
34:01also on basic accounts
34:01would transfer?
34:04Can they do that?
34:05Yes.
34:06Yes, that happens too
34:07or that sometimes happens too.
34:10That means,
34:10Of course, you can decide
34:12to transfer things to an account,
34:15but not all people
34:16already have an account.
34:17That means,
34:18this is the way,
34:18which in my view
34:20to move away.
34:21That means,
34:21as soon as a person
34:22somehow has an account,
34:24then I transfer money to it
34:25and then the person can
34:26do with it,
34:27what she wants,
34:27within the framework
34:28of limited money.
34:31This happens,
34:32but is the obstacle,
34:33that people,
34:33especially when they are fresh
34:34arrived in Germany,
34:35don't have an account yet
34:36and that I still
34:37must first pay out cash
34:40and especially for this
34:42transition period,
34:43that means for these few weeks,
34:44until you get all these
34:45did banking matters
34:46and somehow this
34:47has opened a basic account,
34:49it may be possible
34:50Giving people such cards,
34:52to get this money handling
34:53to save.
34:54But one can also say,
34:55okay, then as long as
34:55we pay people
34:56somehow hold out for cash.
34:57This is somehow
34:58a relatively manageable
34:59group of people.
35:00But what is very important for this,
35:02this basic account story
35:04has in Germany
35:04a huge problem,
35:05namely the fees
35:06for basic accounts
35:07are in Germany
35:08not capped.
35:09We have the situation
35:11that you can have such an account
35:12in the person
35:13cannot refuse
35:14That means,
35:14that people
35:14somehow with a
35:15shitty shoe entry
35:16have to get that,
35:17as long as they still
35:18have no other,
35:19but the banks can
35:20relatively free
35:21set the fees
35:22and there are banks,
35:24who then say,
35:24we want for such a
35:25Basic account an annual
35:26Fee of 300 euros.
35:29This is completely absurd.
35:30That means,
35:31it somehow leads
35:31the whole meaning and purpose
35:32the whole Ad absurdum
35:34and accordingly
35:35could one actually
35:35a positive demand
35:37formulate,
35:38if the political climate
35:39for that somehow
35:40would give hope,
35:41to say,
35:41okay, so that people
35:43such a basic account
35:43can have at all
35:44or can afford
35:45you have to cap these fees.
35:46This happens in other countries.
35:48I believe,
35:48in Austria, for example
35:49is that so,
35:49that it is said,
35:51the maximum fees
35:52for a basic account
35:52are, I believe,
35:5340 or 80 euros.
35:54We need something like this
35:55definitely here too
35:56and that would then
35:57Help refugees,
35:58but that would also
35:59help other people,
36:00who need such a basic account,
36:01because they are not
36:02full-fledged
36:03in quotation marks
36:04account get more.
36:09Can we still do
36:09a question perhaps?
36:12I believe,
36:12we'll get one more
36:13and then
36:14Luckily, Anna is
36:16still there.
36:18Yes, I think
36:19a single goal
36:20you didn't mention
36:21it is achieved,
36:22you can see the strong Max
36:23at the regulars' tables.
36:25I believe,
36:25this is the main function
36:28from such repressive measures,
36:31they become emotional
36:32founded and sold
36:34and that is why the
36:35not rational at all
36:36vulnerable.
36:37It doesn't matter at all,
36:38how expensive it is
36:38or how shitty it is.
36:41You look
36:42as if you were
36:42the strong Max.
36:44Yes, but I think
36:45even then you have to,
36:46So you are absolutely right,
36:48so,
36:48people do that too,
36:49but even then you have to
36:50and can you actually
36:51in this case also
36:52counterargue.
36:53For example, there was
36:54when people started
36:55in Munich,
36:56to exchange things,
36:57there was such a
36:57Shitstorm on somehow
36:58Ex-Twitter
36:59of the corresponding rights,
37:01who then said,
37:02so, why does
37:03the state is not there,
37:04so, you have to
37:05always punch them in the face
37:06and so on.
37:07And then somehow,
37:09because there are so many
37:09People were,
37:10then the Munich police
37:11somehow obliged,
37:13somehow a statement
37:14the public prosecutor's office
37:16to obtain,
37:17who then said,
37:19well, we can
37:20legally not at all
37:21prevent.
37:22That's okay,
37:22that people do these things
37:23swap and then just
37:25to say, so even in your
37:26comical, populist,
37:27somehow right brain,
37:28where you somehow feel like
37:29somehow strong Max,
37:31you can do that very easily
37:32somehow get around it.
37:33Well, that's total bullshit.
37:35That is, even somehow,
37:35If I somehow
37:36put myself in this position,
37:38what I find difficult,
37:39even then it's total nonsense
37:40simply.
37:41So it helps,
37:42don't help anyway,
37:43but it does nothing for anyone.
37:44That is somehow not a
37:49such a bad final word
37:50to payment cards.
37:51Anna, thank you very much,
37:53very much for your
37:54Photo.
37:54Sorry, sorry.
37:55Exactly, I don’t want any
37:56Ask a Question,
37:56I just want to advertise.
37:58Okay, let's do another one.
37:59Exactly, on Tuesday,
38:02September 24th,
38:03is 7 pm at AZ Conny
38:05a meeting on the topic,
38:07to organize in Dresden,
38:09how we can do this across the board
38:10can address,
38:12to take the cards,
38:13to exchange money, etc.
38:15Feel free to come there,
38:157 p.m. on Tuesday,
38:16AZ Conny.
38:17Thanks for the tip, cool.
38:25Yes, then thank you for that
38:28and thank you for you.
38:30Thanks.
38:43Thanks.
38:45Thanks.
38:47peach
38:51he