Okay, i'll try to explain this here. In communism, everyone should do their share. We keep track of that electronically and that input is on a personal ID card like a credit card. If everyone does their share, they can buy whatever they need just as we do today as every "purchase will require use of this personal ID card. If they don't do their share, then they will recieve only bare sustenance: food, shelter and clothing with no entertainment or ability to purchase new items for a year let's say. This is the confidence that our modern money uses, but in a different form never experimented with by any contemporary socialist or communist country. So, we would use the proven utility of plastic like we currently do, but do away with fiat money, fractional reserve banking and metal coinage. Of course, there will be isues with hackers no doubt using this electronic method. Am i making sense or am i just a utopian off his rocker?