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英検1級 二次 予想トピック 67 ・ 🏠 暮らし・家族・消費 ・ Is ~?

Is a completely cashless society desirable?

完全なキャッシュレス社会は望ましいか。

このトピックを選ぶべき人

スマホ決済を毎日使っていて、便利さと不安の両方が分かる人向け。

骨組み理由3つ（どちらの立場でも話せる）

賛成（Yes）で話すなら

I believe a completely cashless society is desirable.

  1. convenienceCashless payments are fast and easy for both shoppers and businesses. Shops save time counting and transporting cash, and customers don't need to carry coins.
  2. less crimeCash is hard to trace, which makes it useful for crimes like tax evasion and money laundering. Digital payments leave records, making such crimes more difficult.
  3. tourismMany foreign visitors expect to pay by card or phone. A fully cashless society would make Japan easier to visit and help local businesses attract more customers.

反対（No）で話すなら

I don't believe a completely cashless society is desirable, although cashless payments should be encouraged.

  1. disastersDigital payments stop working during power outages or system failures. In a country with frequent earthquakes like Japan, cash is an essential backup.
  2. inclusionSome people, especially older people, cannot easily use smartphones or cards. A cashless society could leave them unable to buy daily necessities.
  3. privacyEvery digital payment leaves a record of where we went and what we bought. In a fully cashless society, companies and governments could know far too much about our private lives.

模範スピーチ反対の立場で2分（242語）

序論Thank you. I'd like to talk about whether a completely cashless society is desirable. Although I use cashless payments every day, I don't believe a society with no cash at all is desirable, for three reasons: disasters, inclusion, and privacy. 理由1First, cash is an essential backup in emergencies. Digital payments depend on electricity and communication networks. After major earthquakes in Japan, power outages left many shops unable to accept cards or smartphones, and cash was the only way to buy food and water. Even Sweden, one of the most cashless countries in the world, has advised its citizens to keep some cash for emergencies. 理由2Second, a cashless society could leave some people behind. Many older people are not comfortable with smartphones, and some people cannot get credit cards. If cash disappeared completely, they might struggle to buy daily necessities on their own. 理由3Third, there is the issue of privacy. Every digital payment leaves a record of where we were and what we bought. In a fully cashless society, companies and governments could build a detailed picture of our private lives, and this information could be leaked or misused. 譲歩Admittedly, cashless payments are convenient and make crimes like tax evasion more difficult. I fully support using them more widely. However, convenience does not require cash to disappear completely. まとめIn conclusion, because cash protects us in disasters, includes everyone, and protects our privacy, I believe a completely cashless society is not desirable. Thank you.

和訳

ありがとうございます。完全なキャッシュレス社会は望ましいかについてお話しします。私自身は毎日キャッシュレス決済を使っていますが、現金がまったくない社会は望ましくないと考えます。理由は3つ、災害、誰も取り残さないこと、そしてプライバシーです。 まず、現金は緊急時に欠かせない予備の手段です。デジタル決済は電気と通信網に頼っています。日本で大きな地震が起きた後には、停電で多くの店がカードやスマートフォンでの支払いを受け付けられなくなり、食料や水を買うには現金しかありませんでした。世界で最もキャッシュレス化が進んだ国の1つであるスウェーデンでさえ、緊急時に備えて現金を持っておくよう国民に呼びかけています。 次に、キャッシュレス社会は一部の人を取り残しかねません。スマートフォンが苦手な高齢者は多く、クレジットカードを持てない人もいます。現金が完全になくなれば、そうした人は日用品を自分で買うのにも苦労するかもしれません。 3つ目に、プライバシーの問題があります。デジタル決済のたびに、私たちがどこにいて何を買ったかの記録が残ります。完全なキャッシュレス社会では、企業や政府が私たちの私生活を細かく把握できてしまい、その情報が漏れたり悪用されたりするおそれもあります。 確かに、キャッシュレス決済は便利で、脱税のような犯罪を難しくします。その利用がもっと広がることには大賛成です。しかし、便利さのために現金を完全になくす必要はありません。 結論として、現金は災害時に私たちを守り、誰も取り残さず、プライバシーを守ってくれるので、完全なキャッシュレス社会は望ましくないと考えます。ありがとうございました。

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QCouldn't offline payment technology solve the disaster problem?

That's a good point, and such technology may improve in the future. However, if power and communication networks are down for several days, even advanced systems may not work. Until that risk is fully solved, I believe cash is still the most reliable backup.

Q：オフラインで使える決済技術があれば、災害の問題は解決できるのでは？
A：良いご指摘で、そうした技術は今後進歩するかもしれません。しかし、電気や通信網が何日も止まれば、高度な仕組みでも使えない可能性があります。その危険が完全になくなるまでは、やはり現金が最も頼れる予備の手段だと考えます。

QIsn't it inefficient for shops to keep handling cash?

Yes, I agree that handling cash has costs. However, I'm not saying every shop must accept cash. I think essential services, such as supermarkets, pharmacies, and public offices, should continue to accept it, while other shops can choose.

Q：店が現金を扱い続けるのは非効率では？
A：はい、現金を扱うのに費用がかかることは認めます。ただ、すべての店が現金を受け付けるべきだと言っているのではありません。スーパーや薬局、役所といった生活に欠かせない所は現金を受け付け続け、それ以外の店は選べばよいと思います。

QHow could older people be helped to use cashless payments?

Local governments and shops could hold simple workshops, and family members could help too. Payment apps could also be designed with larger text and simpler steps. Even so, I think some people will always prefer cash, and that choice should be respected.

Q：高齢者がキャッシュレス決済を使えるよう、どう手助けできますか。
A：自治体や店が簡単な講習会を開いたり、家族が手伝ったりできます。決済アプリを、文字が大きく手順が簡単なものにすることもできます。それでも、現金を好む人はいつまでもいると思いますし、その選択は尊重されるべきです。

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