Loans (and more) that ride on your digital exhaust

Have you tried firing your koora wali (garbage collector)? Or move to another presswalla (guy who irons clothes in the neighbourhood) in the same locality? Most Indian cities (may not be true of the relatively new gated bubbles of Indian suburbia) have a system where there is an informal ‘right’ of a person or a family to a certain set of houses for some informal services. And usually, it is not so easy to replace them, because they ‘own’ the right to service it. In a way it is their ‘asset’.

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