Cloudmoney - Brett Scottepub May 2026

In his book Cloudmoney: Cash, Cards, Crypto, and the War for Our Wallets , Brett Scott argues that the move toward a "cashless society" is not a natural evolution of technology, but a deliberate campaign by financial institutions and Big Tech to replace a public good (cash) with a private, surveilled, and extractive digital alternative. He defines "cloudmoney" as the digital money issued by the banking sector that requires the fusion of Big Finance and Big Tech to function, effectively turning every transaction into a data-gathering opportunity for corporations. Key Themes and Insights

: Scott describes the shift to digital as a form of "corporate seep," where previously direct peer-to-peer relationships are replaced by institutionally mediated ones. This process often excludes the working class and marginalized groups who rely on the universal accessibility of cash. Cloudmoney - Brett Scottepub

: While many view cryptocurrency as a rebel alternative, Scott offers a contrarian view, suggesting that crypto often fails to provide the true "bearer instrument" benefits of cash and can sometimes even accelerate the digitization and automation of the financial system. Why This Matters Today In his book Cloudmoney: Cash, Cards, Crypto, and

: Offers the Cloudmoney: Cash, Cards, Crypto, and the War for Our Wallets; eBook; Author - Brett Scott for $12.99. This process often excludes the working class and