Maybe we shouldn't get paid directly and all income goes to the government. They can then give us an allowance from that based on what they think we should have.
Utterly stupid idea from a bank. If people's spending is changing, well the people that used to get that money need to change with it. Don't get me wrong I feel for retail staff, it's just not going back the way it was so those affected need to move with it. The ones that embrace it first will end up doing the best.
On a side note I do like being able to go to the kitchen (at home) and make a nice lunch each day. Prefer that to the sandwich I'd used to buy when I was in the office. Had a taste of a better life, why would we change that and why would taxing people the amount equal to their usual lunch spend make sense, they still eat lunch just bought from a supermarket and made based on our preference. Seems like a double dipping idea. If this had any validity I'd expect lunch every work day, delivered for my tax contribution.