when it would be so easy to just play respectfully by acknowledging that the gaps in rules cause problems with the structure of the entire game and I should more equally distribute my resources if I don’t want anyone of the other players to start flipping the board over.
The unwritten rule of the game is that the guy who plays fair loses to the one who gets away with cheating. An individual has only so much control over their actions.





















The system in my country is that the QR code is meant to be public, and contains either your mobile number, or if you want to hide that, a UPI ID (which you can set and can be a random alphanumeric string). But having access to a person’s QR only lets you send money to them. The payment verification happens between the sender and the central database, on behalf of the sender’s bank, and can be done using a PIN / OTP.
For example, I go to a shop and buy sweets. The shopkeeper would have their QR code displayed prominently throughout the shop. I scan it to get their phone number / UPI ID, and then tell the app to send them so many rupees. The central database asks me to verify the payment. Once I verify, both I and the shopkeeper get an SMS saying x rupees was debited / credited. The app can also store transaction history in case there is any confusion later.
If I’m sending money to a friend, I already know their mobile number, so I can bypass the whole QR business and tell the app to just send money to their number.