I share to a large degree this viewpoint that I'd rather see laws and better technology as a solution to the ever connected and tracked future that we live in. I try to use cash in Sweden since we don't have those laws yet, but replacing paper, metal and cashiers would be good if the drawbacks could be resolved.
The laws we already have do not work. A large part of Swedish intelligence policy is to trade information with partners like the US, and I would consider it extremely unlikely that highly valuable data like bank transactions was not part of that. The US intelligence policy in turn is known to use such information occasionally for commercial purposes, when it has a national impact.
The Swedish courts are also not trained to deal with low-value evidence data. There is an assumption that if data exists, it must do so because there was a reason someone deemed it worth gathering. This assumption breaks apart when data is always collected as a default, which means courts would need to be retrained when this kind of data is presented as evidence (we are slowly getting there but still very far from where I would feel safe). It also makes investigatory contexts dangerous, especially if records are part of fishing operations where single bit errors in storing, retrieving, copying and relaying records can have extreme effects. This include swish which records are very common in court hearings. In some cases it seems that only a single swish record is enough for someone to get charged with a crime, with the accused having to provide evidence to prove that they are innocent.
The laws we already have do not work. A large part of Swedish intelligence policy is to trade information with partners like the US, and I would consider it extremely unlikely that highly valuable data like bank transactions was not part of that. The US intelligence policy in turn is known to use such information occasionally for commercial purposes, when it has a national impact.
The Swedish courts are also not trained to deal with low-value evidence data. There is an assumption that if data exists, it must do so because there was a reason someone deemed it worth gathering. This assumption breaks apart when data is always collected as a default, which means courts would need to be retrained when this kind of data is presented as evidence (we are slowly getting there but still very far from where I would feel safe). It also makes investigatory contexts dangerous, especially if records are part of fishing operations where single bit errors in storing, retrieving, copying and relaying records can have extreme effects. This include swish which records are very common in court hearings. In some cases it seems that only a single swish record is enough for someone to get charged with a crime, with the accused having to provide evidence to prove that they are innocent.