Citizens' Issues
Court sets July 25 for framing charges in IPL spot-fixing case
A court hearing the Indian Premier League (IPL) spot-fixing case on Monday set July 25 for framing charges in the matter.
 
Additional Sessions Judge Neena Bansal Krishna deferred till July 25 the court order on finalising the charges in the case.
 
The court also fixed July 13 for clarification if required in the matter. 
 
Delhi Police on July 30, 2013, filed a charge sheet in the IPL spot-fixing case, alleging that absconding don Dawood Ibrahim and his aide Chhota Shakeel were behind the IPL spot-fixing scandal.
 
The formal set of charges, running into 6,000 pages, named cricketers S. Sreesanth, Ajit Chandila and Ankeet Chavan, among others, in the scandal related to the IPL-6 held in 2013.
 
The accused have been charged with the offences of cheating and conspiracy under various sections of the Indian Penal Code.
 
Dawood and Shakeel have been declared proclaimed offenders in the case after police completed the process of their property attachment. 

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Virtues of a Mobile Wallet
Mobile wallets are great for small-value transactions
 
India has more mobile subscribers than bank account-holders. So, using the mobile as a platform for new age services makes great sense. While mobile apps from banks have become popular, there is a large number of people who think using mobile for financial transactions is risky. 
Now, let us see how a mobile wallet (another form of mobile payments) works. The mobile wallet is a virtual equivalent of your physical wallet. It stores information about your bank account, credit or debit card and personal identifaction details, like permanent account number (PAN) or driving licence number. This requires very strong security, for protecting the stored as well as transaction data. Due to the absense of standards and norms, the mobile wallet is creating some quirky moments. For example, State-run Bharat Sanchar Nigam Ltd (BSNL) tied up with State Bank of India (SBI) to offer MobiCash, a mobile wallet that promises users to withdraw money from SBI ATMs. However, BSNL officials are clueless about how this will happen, especially for withdrawing money without an ATM card. 
 
At present, Paytm, MobiKwik, Oxigen and Citrus are the leading mobile wallet service-providers in India, licensed by the Reserve Bank of India (RBI). As per the current norms, a user can load money on her mobile wallet and use it for making payments to merchants which have a tie-up with that wallet service-provider. For example, a user of Paytm can make payment only to a merchant which has a tie-up with Paytm and, thus, can accept mobile money. But things are changing rapidly; soon users may be allowed to withdraw money through mobile wallet. In addition, the user cannot deposit more than Rs10,000 on her mobile wallet without fulfilling RBI’s know your customer (KYC) norms.
 
What is the advantage of using a mobile wallet over conventional or online payment systems? There are two major factors that go in favour of using mobile wallets. First, your personal details, especially financial information like bank account number, are not exposed. And, second, it limits your exposure in terms of value transactions, because you can upload (in most cases) just Rs10,000 without the KYC checks. So even if there is some issue with the mobile wallet (not likely, though), you may end up losing a maximum Rs10,000 as against losing every single penny in your bank account, in case your account is compromised.
 
How can you use a mobile wallet? Well, first identify the service that you would be using for making small payments. Then, check which is the common mobile wallet available for most of the services and use it. But make sure, you upload the amount sufficient to pay for services that you would be using. 
 
The advantage of using mobile wallet is that it requires minimum effort from the user to make a payment. However, with RBI planning to make online payments through one-step authentication, mobile wallets may lose the advantage. But, as I said earlier, for small value transactions, mobile wallets are still the best bet, provided the service-providers make sure to bring every merchant on their platform. 
 
While there are about a dozen mobile wallet service-providers in India, each has tie-ups with different kinds of merchants. This means, for each type of service, you will have to use different mobile wallet; this explains why, despite a rise in number of mobile wallet users, there is no huge jump in terms of transactions and revenues. Hopefully, soon, big players like Google Wallet or Apple Pay, which are now available in the US, will be allowed to make an entry in India and the rest, as they say, will fall in place. 

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‘95% People Are Sick’
Healthcare is the biggest industry: a check-up is sure to make you a patient forever
 
“Much of your pain is the bitter potion by which the physician within you heals your sick self.”— Khalil Gibran
 
I had predicted, some time ago, that if the Alma-Ata definition of health is applied to the entire population, there will be no one who will be, well, well. All will be ill! It makes lot of sense as sickness is the biggest industry in the world today. If one goes for a check-up when one is apparently well, one will have to come out as a patient, by the present definition. We have to feed the corporate technocracy at any cost because the latter provides employment to people. An analogy can be drawn with American military preparedness. They have built a fighter plane which cost them two and a half trillion dollars. Now, they have found that it cannot fly in the rain! Does not matter; they have the capability to have such a plane anyway. So is the story in health arena. We have built a huge sickness fighting industry based on technocracy worth trillions of dollars. Audits now show that that industry is the leading cause of death and disability. 
 
Health is defined as absence of physical, mental, psychological, environmental and even spiritual well-being. This is impossible to achieve in life. We had defined health as ‘enthusiasm to work and enthusiasm to be compassionate’. Now, see the difference. To comply with the Alma-Ata definition, one needs to undergo all screening tests to be declared ‘healthy’. 
 
Although I am happy that my predictions came true, I am sorry, as people have to face the music of being labelled ill and treated for no fault of theirs, for the benefit of the industry. A study had said that absence of senior cardiologists resulted in a fall in patient mortality (Moneylife, 11 June 2015). Moral: Those divine interventionists were causing more harm than good to patients. This will hold good across the board, if similar studies are conducted. This worries me a lot. 
 
One country introduced a quarterly dental check-up free of cost for its citizens of all ages, some years ago. A decade later, audit showed that the country had the highest dental illness in the world! Unwarranted interventions made life miserable for their citizens. The Lancet study did show that almost a third of the world population has at least five diseases at any given time. This number would go up when the screening machinery becomes more sophisticated. For example, when we get to detect a new rogue cell in circulation, we will have a few cancers starting in every one of us; rogue cells are those that escape apoptosis at their appointed time, a natural phenomenon. Most, if not all, those rogue cells will die out; but there are a few circulating daily. Imagine the anxiety and fear such a scenario would bring on the already anxious people. 
 
There is also a hidden danger inherent in all our screening methods. There is nothing normal in the human body; all parameters are just the average of a cohort of people. We change the average for normal and, when such a trick is applied to a healthy population, 5%-25% are declared sick. Anyone who sees a doctor for check-up will be declared a patient. Rarely do they revert to normalcy. Once a patient, always a patient! Additionally, many of them get iatrogenic illnesses added on! I am sorry for society, but happy for myself that the truths that I had been warning about are being proven right, almost on a daily basis. This is the reality. 
 
At least for our country, we should invent a new sickness care policy taking the best in many systems of treating diseases put together; shall we call it ‘Bharat System’?
 
(Professor Dr BM Hegde, a Padma Bhushan awardee in 2010, is an MD, PhD, FRCP (London, Edinburgh, Glasgow & Dublin), FACC and FAMS.)

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COMMENTS

SuchindranathAiyerS

1 year ago

Every organization and Industry in India is trying to be Government. To fleece the poor Indian Citizen. And who can blame them? They have integrity and are fit for purpose to fleece, loot and plunder, while India Constitution, laws, courts and governance have no integrity at all and so cannot uphold the rule of law and protect the Mango Man.

Narendra Doshi

1 year ago

YES, 'Bharat System' IS THE WAY FORWARD.

Anand Vaidya

1 year ago

Typo error?

"Health is defined as absence of physical, mental, psychological, environmental and even spiritual well-being. "

should be Sickness is defined as...

Isn't it?

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