I find it quite remarkable though, that our hive wallets are fully transparent. We can simply look into each other's wallets. I'm not used to the concept. A little systematic integrity wouldn't hurt, at first thought.
This system would be fine if we all realize and practice we are all one, and we don't hurt each other nor impair each other in any way, because we know what we do to others, we do to ourselves. When we have evolved to that level, then this would be a good system, but humanity is not there yet.
Privacy crypto currencies are the answer to avoid their systems entirely. Be your own bank, and don't make it possible for governments to see where your money goes. You might just finance a certain fringe minority, that's why our money - the money of we, the people - needs to be privacy crypto.
The banks are going to introduce centralized digital money, to replace the systems we currently have, that were deliberately set to crash.
The wallet will be integrated in one app with your medical status, your digital identity, and your social credit score. I won't have a phone. Not a smart one anyway. It will be the smartphones that will send the data from the injected people to their totalitarian A.I.-controlled 24/7 surveillance control grid. And most of us don't want that. So we should get rid of the technology.