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...An incident in 2000, during my initial years of work, woke me up to an uncomfortable question about post-economic liberalisation India. I was at a meeting with waste-pickers at Digha in Patna and a woman told me of her troubles with a Rs 500 note. She had saved money and changed it into a Rs 500 note, wrapped it in plastic and hid it in the mud beneath her hut. That was the safest place, she felt. Unfortunately, she could not locate the exact place where she had buried the note. She cried as she told me how every day, she dug a portion of her hut, in the hope of locating the money. For the poor, in whose name financial reform has been conducted since Independence, there has been no relief. They still save their hard-earned money in dubious instruments. ...Indian Express on Nov. 18, 2016, 12:04 a.m.