George wanted to use Apple Pay Cash to send friends cash, but it requires his social security number. That's not a great idea and Leo says to refuse giving that out everywhere. Technically, they're not supposed to ask for that, but everyone does. So he should just say no. Leo suggests Venmo. There's also Cash.me. Banks use Zelle. Leo wishes that pay services would just go open crypto, like BitCoin does. You keep the private key, but give away the public key.