现在移动支付非常方便，刷一下手机就付款了，所以出现了一些不收现金的商店。但是有一些弱势群体只能用现金或者只会用现金，就不能在这些商店买东西了，因此有人提出应该禁止无现金商店。
Should cashless stores be banned?
by Alexandra Olson & Ken Sweet
Hembert Figueroa just wanted a taco. So he was surprised to learn the dollar bills in his pocket were no good at Dos Toros Taqueria in Manhattan, one of a small but growing number of establishments across the U.S. where customers can only pay by card or smartphone.
taco /ˈtækəʊ/ n. 墨西哥卷饼
bill /bɪl/ n. 钞票
be no good 没有用
Manhattan /mænˈhæt(ə)n/ n. 曼哈顿（纽约市最繁华的行政区）
establishment /ɪˈstæblɪʃmənt/ n. 企业、机构（由establish加后缀-ment变成名词）
smartphone /ˈsmɑːtfəʊn/ n. 智能手机（由smart和phone组成）
Figueroa, an ironworker, had to stand to the side, holding his taco, until a sympathetic cashier helped him find another customer willing to pay for his meal with a card in exchange for cash. "I had money but I couldn't pay," he said.
ironworker /ˈaɪənwɜːkə(r)/ n. 钢构件工人（他们建造高楼和桥梁的钢铁框架）
sympathetic /ˌsɪmpəˈθetɪk/ adj. 有同情心的
cashier /kæˈʃɪə(r)/ n. 收银员
willing /ˈwɪlɪŋ/ adj. 愿意的、乐意的
exchange /ɪksˈtʃeɪndʒ/ n. 交换
Cash-free stores are generating a backlash among some activists and liberal-leaning policymakers who say the practice discriminates against people like Figueroa, who either lack bank accounts or rely on cash for many transactions.
free /friː/ adj. 没有…的（case-free就是没有现金的）
generate /ˈdʒenəreɪt/ v. 产生、引起
backlash /ˈbæklæʃ/ n. 强烈反对
activist /ˈæktɪvɪst/ n. 社会活动家
liberal /ˈlɪb(ə)r(ə)l/ adj. 包容的、尊重不同意见的
leaning /ˈliːnɪŋ/ n. 倾向
policymaker /ˈpɒləsiˌmeɪkə(r)/ n. 政策制定者（由policy和maker组成）
practice /ˈpræktɪs/ n. 做法
discriminate /dɪˈskrɪmɪneɪt/ v. 歧视
lack /læk/ v. 缺少、没有
bank account 银行账户
rely /rɪˈlaɪ/ on 依靠
transaction /trænˈzækʃ(ə)n/ n. 交易
Advocates for banning cashless stores worry technology is moving too fast for the 6.5% of American households – 8.4 million – that do not have a bank account, according to figures from the Federal Deposit Insurance Corporation.
advocate /ˈædvəkət/ n. 倡导者
ban /bæn/ v. 禁止
cashless /ˈkæʃləs/ adj. 不用现金的（由cash加上表示否定的后缀-less并变成形容词）
household /ˈhaʊshəʊld/ n. 家庭
figure /ˈfɪɡə(r)/ n. 数字
federal /ˈfed(ə)r(ə)l/ adj. 联邦的
deposit /dɪˈpɒzɪt/ n. 存款
insurance /ɪnˈʃʊər(ə)ns/ n. 保险
corporation /ˌkɔːpəˈreɪʃ(ə)n/ n. 有限公司
Figueroa is among the much larger group considered "underbanked," meaning they have a primary bank account but regularly rely on alternative financial services like check cashers. More than 24 million U.S. households are underbanked, according to the FDIC.
consider /kənˈsɪdə(r)/ v. 看作、认为
underbanked /ˌʌndəˈbæŋkt/ adj. 未充分利用银行的（前缀under-表示不足）
primary /ˈpraɪm(ə)ri/ adj. 主要的
regularly /ˈreɡjuləli/ adv. 常常
alternative /ɒlˈtɜːnətɪv/ adj. 非主流的
financial /faɪˈnænʃ(ə)l/ adj. 金融的、跟钱有关的
check /tʃek/ n. 支票（check casher就是把支票兑换成现金的兑换点）
Business owners who go cashless say they are following the lead of the majority of customers who are abandoning cash payments. Retailers are under pressure to cater to customers with heightened expectations for fast and seamless service, driven by companies like Amazon, Uber and Grubhub.
lead /liːd/ n. 带领、引领
majority /məˈdʒɒrəti/ n. 大部分（由major加后缀-ity变成名词）
abandon /əˈbændən/ v. 放弃、抛弃
payment /ˈpeɪmənt/ n. 支付、付款（由pay加后缀-ment变成名词）
retailer /ˈriːteɪlə(r)/ n. 零售商（由retail加上表示人的后缀-er）
pressure /ˈpreʃə(r)/ n. 压力
cater /ˈkeɪtə(r)/ to someone 迎合某人、满足某人的需要
heighten /ˈhaɪt(ə)n/ v. 提高、增强（由height加后缀-en变成动词）
expectation /ˌekspekˈteɪʃ(ə)n/ n. 期望（由expect加后缀-ation变成名词）
seamless /ˈsiːmləs/ adj. 无缝的
drive /draɪv/ v. 推动
Leo Kremer, co-owner of Dos Toros, said the volume of cash transactions at his stores fell from about 50% a decade ago to 15% last year. That made the cost and logistics of handling cash especially onerous. Before going cashless, Dos Toros locations were robbed twice.
co- 前缀，意思是共同
volume /ˈvɒljuːm/ n. 数量、数额
decade /ˈdekeɪd/ n. 十年
logistics /ləˈdʒɪstɪks/ n. 后勤工作
handle /ˈhænd(ə)l/ v. 处理
onerous /ˈəʊn(ə)rəs/ adj. 繁重的、费事的
rob /rɒb/ v. 抢劫
In testimony to a New York City Council committee, Kremer argued that businesses that "consistently serve the unbanked and underbanked population aren't going to go cashless. It wouldn't make sense for them."
testimony /ˈtestɪm(ə)ni/ n. 作证（这里指在听证会上发言）
council /ˈkaʊns(ə)l/ n. 市政委员会
committee /kəˈmɪti/ n. 委员会
argue /ˈɑːɡjuː/ v. 极力主张
consistently /kənˈsɪst(ə)ntli/ adv. 一贯地、一向（由consistent加后缀-ly变成副词）
unbanked /ʌnˈbæŋkt/ adj. 不用银行的
make sense 有意义
But financial experts who work with low-income people caution against making assumptions about the shopping preferences or buying power of those who rely on cash. "I'm uncomfortable with the idea that certain people don't shop here so it's fine to exclude them," said Justine Zinkin, CEO of Neighborhood Trust Financial Partners, a financial counseling nonprofit affiliated with the credit union where Figueroa banks.
income /ˈɪnkʌm/ n. 收入
caution /ˈkɔːʃ(ə)n/ v. 警告
assumption /əˈsʌmpʃ(ə)n/ n. 假设、想当然
preference /ˈpref(ə)r(ə)ns/ n. 偏好（由prefer加后缀-ence变成名词）
buying power 购买力
exclude /ɪkˈskluːd/ v. 排除在外
counsel /ˈkaʊns(ə)l/ v. 咨询、提供建议
nonprofit /nɒnˈprɒfɪt/ n. 非营利组织（由profit加上表示否定的前缀non-）
affiliate /əˈfɪlieɪt/ v. 加入、使隶属
credit union 信用合作社（它向会员提供低息贷款）
bank /bæŋk/ v. 把钱存入银行
Beyond targeting cashless stores, Zinkin said the greater urgency in the digital era is finding ways to better include low-income people in the banking system, such as compelling banks to offer no-fee starter accounts and encouraging banks to open branches in underserved areas.
target /ˈtɑːɡɪt/ v. 以…为靶子、针对
urgency /ˈɜːdʒ(ə)nsi/ n. 紧急、迫切
era /ˈɪərə/ n. 时代
banking /ˈbæŋkɪŋ/ n. 银行业务
compel /kəmˈpel/ v. 迫使
starter /ˈstɑːtə(r)/ n. 刚开始做某事的人（starter account指那种功能最少限制最多的账户）
branch /brɑːntʃ/ n. 分支机构
underserved /ˌʌndəˈsɜːvd/ adj. 服务不足的（由serve的过去分词加上表示不足的前缀under-）
（如果您发现某些行的最后一个单词被分成两半了，请把您使用的浏览器升级到最新版本就能正常显示了。）
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