It’s not about trust in that context. He controls their money. She wants to do some things with money she earns, and he says no.

So she does it anyway since some of it is her money.

The better comparison is trusting an app developer vs her employer. She’s lucky enough to have a very trustworthy employer; many are not.

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t-y Lyn, appreciate your takes

I see what you're saying. I just think you're underestimating the additional psychological barriers that she would have to overcome to see an app on her phone as a better bank than these two alternatives, as woeful as they seem to us. She probably doesn't trust Egyptian banks, and what you're suggesting to her to replace it is effectively a bank without any branches or support phone numbers, with a currency she can never hold in her hands, that her husband, employer, religious teachers and government don't want her to know about or have. Plus the inertia, whether it is or isn't haram, and risk to her financial or personal safety of stepping into this with what little savings she has earned. And then the other risks like losing her phone (or it being taken), reliable access to app stores, on and off ramps. And all this before the fact that there is a low but not zero risk that the app developer she relies on may in fact have a back door and rug her.

I'd love what you say to eventuate but I think it would require a profound cultural shift rather than just a technological one, eg her husband and employer would pay her in it before this.

I guess if she spent enough time on Nostr and that offered her a wallet that she could somehow load cash onto, and enough people she talked to frequently could convince her to use, that might be a path, but I still think on balance adoption by men will outpace women in these regions for all the reasons above.

I dunno, I think you're making too many assumptions. Do you know she is capable of managing money better than her husband? Maybe he really is protecting her. If their collective income improved a lot, how do you know the husband wouldn't spoil her? I mean, after 13 years, I'm pretty sure they have some kind of understanding that goes beyond male domination = bad.

If you know he is controlling and abusive then fine, but this generalisation is not the best of arguments. It's really no better than a politician pushing for laws "to protect ud" for all the same reasons.

Care to imagine what would happen when the husband finds money on her phone?

I understand your POV is from a good place but just too many assumptions about cultural differences, wanting a round peg to fit into a square hole.