In a few years we may have digital coins that can be programmed to have different properties. They can, for example, have an expiry date or can only be used for earmarked purposes. They can also be transferred directly to the recipient when all predefined conditions are met, without the use of intermediaries such as banks and brokers. Digital central bank money can shake up the reality we know - and create many new opportunities. This is according to the Head of Innovation at Norwegian SpareBank 1 SR-Bank.   Why do many experts warn against digital ID and digital money?   One of those who is now warning against this is Catherine Austin Fitts.   She is an American investment banker and former public servant who served as CEO of Dillon, Read & Co. and, during the presidency of George HW Bush, as the United States Assistant Secretary of Housing and Urban Development for Housing. She has written and commented on the topic of public spending and has alleged several large cases of government fraud.   Fitts has researched and commented on public expenditure. In a 2004 study published in World Affairs: The Journal of International Issues, she claimed to find "evidence that a very large proportion of the nation's wealth is illegally diverted since decades into secret, untraceable channels and programs with unspecified purposes, including secret operations and subversions abroad and secret military R&D at home. Public institutions have been infiltrated and taken over by shadow groups in the service of powerful private and special interests, often at the expense of the common good."   In 2017, Fitts co-authored a report, along with Michigan State University economist Skidmore, that claimed to find $21 trillion in "unauthorized spending" by the US Department of Defense and the US Department of Housing and Urban Development over a 17-year period.   God listen!