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InitialsDiceBearhttps://github.com/dicebear/dicebearhttps://creativecommons.org/publicdomain/zero/1.0/„Initials” (https://github.com/dicebear/dicebear) by „DiceBear”, licensed under „CC0 1.0” (https://creativecommons.org/publicdomain/zero/1.0/)AS
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  • There are more cashless options than using banks.

    In some countries you can use phones (and phone credit, more or less) as your payment option. Doesn't even have to be a smart phone, though that makes it easier.

    Beggers on the street with QR codes printed out. Or their phone number on cardboard.

    And in other countries, you can use the local equivalent of the Uber app instead of a bank account.

    Cashless is good. Safer for the homeless (harder to rob) and still easy to give money to them.

  • you.

    you are the clown.

    Also, I know English isn't your native language, but "who is" contracts to "who's".

    "whose the clown?" would be asking "to whom does the 'the clown' belong?", which doesn't make sense on multiple levels.