My former domestic help came to work one day in the early weeks of demonetisation, looking dreadfully ill. She had fever and the local pharmacies were refusing to sell her drugs for old money, which is the only thing she was left with after the government banned the use of Rs500 and Rs1,000 denomination notes. Although she has a bank account, she has no credit card and doesn’t use her debit card (either she is suspicious of it or lacks the confidence).

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