{"id":182883,"date":"2026-10-12T08:54:47","date_gmt":"2026-10-12T14:54:47","guid":{"rendered":"https:\/\/lospoliticosveracruz.com\/?p=182883"},"modified":"2026-10-12T08:54:49","modified_gmt":"2026-10-12T14:54:49","slug":"desde-cuando-pagar-en-efectivo-es-sospechoso","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=182883","title":{"rendered":"\u00bfDESDE CU\u00c1NDO PAGAR EN EFECTIVO ES SOSPECHOSO?"},"content":{"rendered":"
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\"\"<\/a><\/figure>\n<\/div>\n\n\n

Pepe Cort\u00e9s<\/strong><\/p>\n\n\n\n

El dinero es de los ciudadanos, no del gobierno. Parece una obviedad, pero Morena impulsa una iniciativa que permitir\u00eda determinar en qu\u00e9 sectores los mexicanos podr\u00e1n pagar \u00fanicamente mediante medios electr\u00f3nicos. No se trata de rechazar la tecnolog\u00eda, sino de defender un principio elemental: quien trabaja y gana honestamente su dinero debe conservar la libertad de decidir c\u00f3mo utilizarlo. La modernizaci\u00f3n debe ampliar nuestras opciones, no reducirlas.<\/p>\n\n\n\n

M\u00e9xico ya conoci\u00f3 una \u00e9poca en la que los trabajadores no pod\u00edan disponer libremente del fruto de su esfuerzo. En las antiguas tiendas de raya, muchos recib\u00edan fichas o vales que los obligaban a comprar donde el patr\u00f3n decid\u00eda. La Revoluci\u00f3n mexicana combati\u00f3 esos abusos y la Constituci\u00f3n de 1917 estableci\u00f3 que el salario deb\u00eda pagarse en moneda de curso legal, no en mercanc\u00edas ni fichas. Aquella conquista no significa que debamos rechazar las transferencias bancarias, sino recordar un principio fundamental: el trabajador debe poder disponer libremente de su salario.<\/p>\n\n\n\n

La iniciativa de Ley de Econom\u00eda Digital para Pagos Digitales y Electr\u00f3nicos contempla que Hacienda determine sectores donde los pagos electr\u00f3nicos podr\u00e1n ser la \u00fanica forma de pago. Su art\u00edculo 13 establece esa facultad y el 14 permite desarrollar las disposiciones administrativas correspondientes. El gobierno menciona gasolineras y casetas de peaje, pero el texto no limita expresamente esa posibilidad a dichos servicios. Claudia Sheinbaum asegura que no se prohibir\u00e1 el efectivo. Sin embargo, las declaraciones presidenciales no sustituyen las garant\u00edas legales. \u00bfQu\u00e9 impedir\u00eda ampliar ma\u00f1ana esas restricciones a otras actividades esenciales?<\/p>\n\n\n\n

El gobierno habla de inclusi\u00f3n financiera, pero M\u00e9xico no termina donde llega la se\u00f1al de internet. \u00bfQu\u00e9 ocurrir\u00e1 con ni\u00f1as y ni\u00f1os de comunidades ind\u00edgenas sin acceso a servicios bancarios, personas con discapacidad que enfrentan barreras tecnol\u00f3gicas, adultos mayores sin tel\u00e9fonos inteligentes o familias que viven sin conectividad? La inclusi\u00f3n no se decreta desde un escritorio. Se construye eliminando obst\u00e1culos y ofreciendo alternativas. Digitalizar sin garantizar accesibilidad puede convertir una herramienta de progreso en una nueva forma de exclusi\u00f3n.<\/p>\n\n\n\n

Tambi\u00e9n est\u00e1 en juego la privacidad. Las operaciones electr\u00f3nicas pueden generar registros sobre nuestros consumos y movimientos financieros. La trazabilidad puede ayudar a combatir delitos, pero exige garant\u00edas sobre el uso de datos personales. Aqu\u00ed surge otra pregunta para Morena: mientras propone ampliar las facultades para regular nuestros pagos, siguen pendientes explicaciones p\u00fablicas sobre los negocios y presuntos conflictos de inter\u00e9s que investigaciones period\u00edsticas han relacionado con Am\u00edlcar Ol\u00e1n y personas cercanas a los hijos de Andr\u00e9s Manuel L\u00f3pez Obrador. Esos se\u00f1alamientos deben investigarse sin prejuzgar responsabilidades. La rendici\u00f3n de cuentas debe comenzar por quienes gobiernan, no terminar en quienes compran el mandado.<\/p>\n\n\n\n

Existe adem\u00e1s una cuesti\u00f3n econ\u00f3mica: \u00bfqui\u00e9n pagar\u00e1 la digitalizaci\u00f3n? Aceptar tarjetas puede implicar terminales, conectividad y comisiones que afectan especialmente a peque\u00f1os negocios y pueden trasladarse al consumidor. Tambi\u00e9n debemos considerar las fallas bancarias, los apagones y la falta de internet. El efectivo permite continuar operaciones cuando los sistemas electr\u00f3nicos dejan de funcionar. Promover alternativas digitales accesibles es razonable; eliminar opciones sin resolver esas barreras plantea riesgos que merecen atenci\u00f3n.<\/p>\n\n\n\n

El Senado debe examinar cuidadosamente la iniciativa, precisar los l\u00edmites de las facultades administrativas y garantizar que nadie quede excluido de bienes o servicios esenciales por carecer de cuenta bancaria, tarjeta o tel\u00e9fono inteligente. El debate no enfrenta al efectivo contra la tecnolog\u00eda, sino dos maneras de entender la relaci\u00f3n entre ciudadanos y gobierno. Modernizar no debe significar controlar, digitalizar no debe significar excluir y combatir la delincuencia no debe convertirse en un pretexto para vigilar a los ciudadanos. Morena debe responder una pregunta sencilla: \u00bfqui\u00e9n decide c\u00f3mo gastamos nuestro dinero, nosotros o el gobierno? El dinero pertenece a quien lo gana leg\u00edtimamente. Y la libertad de decidir c\u00f3mo gastarlo tambi\u00e9n.<\/p>\n\n\n\n

@pepecortesmx
Economista y abogado. Analista pol\u00edtico y articulista.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Pepe Cort\u00e9s El dinero es de los ciudadanos, no del gobierno. Parece una obviedad, pero Morena impulsa una iniciativa que permitir\u00eda determinar en qu\u00e9 sectores los mexicanos podr\u00e1n pagar \u00fanicamente mediante medios electr\u00f3nicos. No se trata de rechazar la tecnolog\u00eda, sino de defender un principio elemental: quien trabaja y gana honestamente su dinero debe conservar […]<\/p>\n","protected":false},"author":2,"featured_media":182884,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[5547,71528,45150,71081,43482,71531,71998],"class_list":["post-182883","post","type-post","status-publish","format-standard","has-post-thumbnail","category-de-opinion","tag-inclusion-financiera","tag-ley-de-economia-digital","tag-libertad-economica","tag-pagos-digitales","tag-pepe-cortes","tag-privacidad-financiera","tag-uso-de-efectivo"],"yoast_head":"\n\u00bfDESDE CU\u00c1NDO PAGAR EN EFECTIVO ES SOSPECHOSO? - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=182883\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfDESDE CU\u00c1NDO PAGAR EN EFECTIVO ES SOSPECHOSO? - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Pepe Cort\u00e9s El dinero es de los ciudadanos, no del gobierno. 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