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Cash holdings jumped 17% during the crisis, most of them in the form of $50 and $100 notes.
Cash payments of more than $10,000 would become illegal in most circumstances and the government could remove exemptions at will.
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Ordinary activities would become criminalised without a compelling reason.
People who work in the black economy come from industries as diverse as horticulture, retail, cleaning, construction and childcare.
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The black economy is more common than we think – how many of us have paid tradies, gardeners or cleaners cash without the exchange of relevant paperwork?