This article is part of a six-part educational series in cooperation with the non-custodial, peer-to-peer Bitcoin exchange Vexl.

“All human beings are born free and equal in dignity and rights. They are endowed with reason and conscience and should act towards one another in a spirit of brotherhood.”

– Universal Declaration of Human Rights, Article 1

A few years ago, I met a man called Karl. I’d see him almost every day, selling newspapers on the street for change, camping out in front of my local supermarket. At some point, we struck up a conversation. He told me that he used to be a dog trainer, “before everything, you know.” Since I am always looking for dog sitters, and Karl is always looking for money, we decided to give it a shot: Karl would watch my dog when I went to the gym, and I paid him in return.

“Couldn’t this be something, to sign you up to one of these dog walking apps?” I said to him, offering that I could manage the account for him. He laughed. “That would be a great idea, but I don’t have a bank account.”

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