Is there any actual hard evidence of this? Or is it all anecdotal?

Yet we’re training undercover spies to ferret out benefits fraudsters.

Cool! That’ll save us about 20k a year after we pay wages and administration costs. Then we can do the same for the tax fraudsters and evaders, right?

Crypto - try to remember before crypto, the idea of cashless was non-existent. Want to make international transfers? Pay up the ass in fees and at rates they choose. Crypto forced companies to do better with digital currency.

That may be true in the USA, but in the UK we had cashless payment (chip and pin) well before any crypto, and sending money abroad has always been cheap and easy.