How Debit Card without Paper Currency improves the lives of lower income groups?

What is Debit Card without Paper currency, Please read
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One employee is working in a small readymade shop or textie shop or any other small vending shop. I want to explain the conditions of lower income people at present and after implementation of Debit card without paper currency.

PRESENT SITUATION
1. Salary: meagre salary which employee can not demand and always at the mercy of owner of shop and pathetic condition when empoyee loss his job.
2. Profidend Fund - There is no providend fund in these small shops because owner will not show the employees under the estabishment.
3. Medical facilities - There are no medical treatment to the employee or his family members.
4. Insurance facilities - accidental insurance or group insurance will ne a dream to the employee at present
5. Education and training - there are no further education or training to improve his talent or capabiity to get more salary.
you can add many points related to welfare and safety and income point of view for the employee point of view

All the above points are occurred because of unaccounted transaction of employee service to the establishment.

AFTER DEBIT CARD WITHOUT PAPER CURRENCY IMPLEMENTATION
1. Salary - Employer has to give as per specified Government fixed salaries to the employees and all transaction are accounted with bank.
2. Providend Fund - Employer has to pay his part of provident fund with employee contributed fund to the PF organisation. Employer can not escape from the responbilities of his employees since it is accounted. He has to pay the penalty if he fails to do so.
3. In India, Private Sector employees will ESI hospital facilities for him and his family members. Employee use to pay some amount from his salary to the employer. For this, employer will pay the amount to the ESI hospitals for the employee and his family mebers treatment. Employee can penalise if employer failed to do so.
4. Insurance facilities - There is big chance to get accidental and other insurance facilities if it is provided by employer to the employee.
5. Education and Training - Employee may get training or education to upgrade his talent or capability to increase his salary and improve his family condition.
All other facilities to the employee can be questioned and legally punishment can be given to the employer.

If it is accounted, employer will be saved by paying his contribution and improve his reationshipo with the empoyees. Many times employers do not know what are rules and regulations for the facilities to the employees.

Debit card without Paper Currency will give greater scope to every body to get medical facilities in the country. When everybody gets medical facilities, the country will go on development further on other important issues.

BIGGEST PROBLEM OF ANY COUNTRY IS MEDICAL FACILTIES TO EVERYBODY - Debit card without paper currency will give solution to this problem.

This system is really gives uniform income distribution in the country and this will change a lot in purchase power and getting medical, education to lower income groups in the country.