Cash Protection Act—Central Bank Digital Currency

Ben Franklin 100 dollar bill set on fire with a match

The Cash Protection Act (CPA) protects citizen’s rights regarding commerce, personal privacy, and the means to pursue life and liberty. It prevents the government from observing and recording every financial transaction, including your 4-year old’s Sunday School offering.

The threat to cash and liberty is Central Bank Digital Currency (CBDC.) Similar actual legislation was introduced in several states and Congress. To date, Florida and Indiana have passed similar legislation with two more states on the cusp.

To be clear, I filed the CPA during the 20th “Congress” organized by Patriot Academy. From August 1-5, 2023, non-elected “legislators” from across the nation descended on Austin, Texas for an experiential legislative process that observers will think is the real thing. 

In other words, even if/when passed, my Cash Protection Act cannot become law.

The complete text of the CPA appears at the end of this article.

This article and my unofficial Cash Protection Act intend to educate and raise awareness of how Central Bank Digital Currency will kill liberty and privacy. With your help, similar legislation may actually pass!

The Cash Protection Act Has Zero Cost

The CPA adds nothing to the cost of government because its purpose is to protect, not create. It stands on the constitutional requirement of limited government and protects the freedoms citizens presently enjoy from usurpation and limitless new layers of regulation.

This bill protects Texans from regulation or retaliation based upon administrative or bureaucratic ideology, which are fast relegating our nation’s values and morals to those approved by the people who control the system.

Consider this, with CBDC, the IRS will have more of your financial records than you do. At the end of the year, you’ll be notified of the amount withdrawn from your account to pay your taxes.

You don’t have to file.

You don’t have to agree.

You just get notified. And if one account doesn’t have enough money, they know where every dollar is anyway.

Adding insult to injury, CBDC will also usher in the Mark of the Beast. More on that in a bit…

At its core, this brave new world of monetary policy (CBDC) equates to the government saying that your money isn’t really your money. Your property rights are subservient to the “public good” and the supposed necessity of “managing the national economy.”

The Mother of All Surveillance Systems

The Declaration of Independence affirms that inalienable rights are given to citizens by the Creator, not by government. CBDC is a deceptive attempt to strip those rights by creating digital fiat currency and eliminating both cash and privacy. The best case is that CBDC is never adopted because it creates a centralized surveillance system. The CPA will shield the free market system and your individual liberty, from regulation or retaliation based upon administrative or bureaucratic ideology.

The Death of Cash

Central Bank Digital Currency ultimately reduces the value of present legal tender in bill or coin format to whatever the collector market considers fair. In case you didn’t know it, silver and copper US coins aren’t really silver and copper. They have little intrinsic value as metals. A fully implemented CBDC becomes the fiat currency of the United States, making cash and cash equivalents as worthless as the 19th-century currency of the Confederate States of America.

Credit card companies already share private data with the government without a warrant. That’s unconstitutional on its face, but at least you can choose to use cash or a cash equivalent that protects transactions from spying eyes.

When cash disappears:

  • Every garage sale transaction will be recorded.
  • Every gun purchase will be recorded.
  • Every ammunition purchase will be tracked and recorded.
  • You won’t be able to keep an emergency fund at home.
  • Nothing remains private.

What you buy and where will be recorded, from gasoline to groceries, vitamins to beer, what movies you watch, where you go to church, and what organizations or candidates you support. You won’t even be able to buy a starter pistol without Big Brother knowing—or even a cup of coffee.

The real danger in CBDCs is that there is no limit to the level of control that the government could exert over people if money is purely electronic and provided directly by the government. A CBDC would give federal officials full control over the money going into–and coming out of–every person’s account.

Security Becomes A Pipedream

To “protect” the rights and privacy of citizens, the government will argue that it must exponentially expand its ability to store, categorize, and process every single transaction, from paying your son to mow the lawn to buying a car from a friend. Every penny of your kid’s allowance will be recorded into your, and their, permanent citizen files.  

The government’s risk becomes the citizen’s risk. The recent IRS data breach put 331 million Americans at risk by sharing personal information with nefarious folks. With CBDC, a breach could let dark web actors empty any asset account. The government would say, “Gee, we’re sorry about that.”

Meanwhile, you’re broke.

The Mark of the Beast

With the click of a mouse or by algorithm, the government could seize or freeze your assets, locking you out of society unless you negotiate or submit. Just as a parent reserves the right to opt-out of public schools, this act reserves a citizen’s right to opt out of digital currency and being forced into the “matrix” of a digital world.

There is no off-the-grid with CBDC. It removes the last barrier protecting you from the Mark of the Beast.

Accessing Your Digital Money With Wonky Internet

Internet and cellular access are limited in many parts of the United States, with dead zones located in cities, towns, and other populated areas. Just walking from my office to the kitchen cuts out my phone signal. To avoid frustration, I’ve learned to sit still until I finish the call.

How can the government guarantee you access to your digital dollars at all times and in all places? Pardon me, but no matter what people say, the government can’t guarantee you anything because it’s not God.

Anyone over fifty remembers the original card swipers, the counter-top credit card machines of the 60s, 70s, and 80s. Cards were placed on the machine, you shoved a bar over the card, making a carbon imprint of the raised letters and numbers on the card.

To eliminate the hassle of dead zones, vendors will be equipped with devices that function similarly to your television remote. You don’t need the internet to control your device because the remote and TV connect locally.

The Mark of the Beast!

A universal chip will work with any vendor’s local network. You’ll be able to buy or sell without an internet connection. Problem solved. All you need is one little chip implanted in your hand containing your identification, complete medical history, and every asset you own. What could go wrong?

Unless you’re chipped, you can’t buy water or hire a tow truck on internet-blank sections of I-10 in south Texas or western Arizona, any rural or mountainous area, or other dead zone, like the hallway between my office and the kitchen.

Transactions will never be truly complete if the government can “claw back” proceeds from a sale regardless of when it was made. Unlike CBDC, cash provides finality. Think of CBDC as funky cash with a rubber band attachment. You can take it home and count it yours, but the government can snap it out again because they control your money, not you.

The bill passed overwhelmingly!

HB1046 (Patriot Academy Congress)

By: Baber, L.


Relating To Cash Protection From Central Bank Digital Currency.


SECTION 1. Definitions

  • “Cash”: Physical currency issued by the government of the United States or any other country, including coins and banknotes.
  • “Cash equivalents”: Financial instruments or assets that can be easily converted into cash, including traveler’s checks, money orders, and prepaid cards.
  • “Central Bank Digital Currency (CBDC)”: A digital form of fiat currency issued and regulated by a central bank.

SECTION 2. Protection of Cash and Cash Equivalents

  • Cash and cash equivalents shall be recognized as legal tender for all transactions, public and private, within the state of Texas, and shall be accepted by any person, business, or government entity as a means of payment.
  • No person, business, or government entity shall refuse or discriminate against the use of cash or cash equivalents for any transaction or impose any additional charge or fee on cash or cash equivalent transactions.
  • No person, business, or government entity shall refuse or discriminate against any individual solely based on their choice to use cash or cash equivalents as a form of payment.
  • The state of Texas shall not adopt or recognize any central bank digital currency as legal tender, nor shall any person, business, or government entity be compelled to transact in CBDC.
  • The state of Texas shall not adopt or recognize any central bank digital currency as legal tender, nor shall any person, business, or government entity be compelled to transact in CBDC.

SECTION 3. This act takes effect September 1, 2023.

This article was written the day before Lynn traveled to Austin. It will be fine-tuned when she returns. Thank you for visiting!

Lynn Baber

Lynn Baber

Lynn is a best-selling Christian author encouraging and equipping the people of Christ to live in peace, power, and purpose using simple gospel principles.

Lynn Baber

Lynn Baber

Lynn is a best-selling Christian author encouraging and equipping the people of Christ to live in peace, power, and purpose using simple gospel principles.

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