The author doesn't really seem to understand the topic he has written about, which probably explains the straw man arguments he uses to arrive at an irrelevant conclusion.

One key question he fails to ask himself is 'why' would someone want to implant some sort of technology within their body. Our research team dabbles in the invention of transplantable technology and the authors so-called biochips. Technology we are currently working on include devices that can be attached to transplanted organs and provide readouts regarding organ health (for monitoring organ rejection), devices that can measure glucose concentrations for diabetics, as well as miniaturized pacemakers. Obviously these devices are all health-related, and some are simply miniaturized versions of current internal and external technologies.

My main point, is that for people considering these implants, there is a well-defined function and specific advantages for these devices to be implanted. Unless we are all going to start walking around naked, then I foresee the majority of technology (expected to be around 6-7 connected devices per person by 2020), will be worn externally (phones, watches, shoes, glasses/contacts etc.). The implantation of devices will only be performed if the the device requires this localization for it's function. Perhaps this is just my own bias, but I can't think of many applications (other than consensual) for devices to be subcutaneous.

For the authors example of implantable 'apple pay/credit card' type devices, the advantages do not seem obvious, as I believe it is unlikely that people will be discarding a smart phone-type devices any time soon, which perform the same role. Additionally the disadvantages stated such as disassociating spending from physical currency, is equally valid for current technology (credit cards, apply pay etc.).

Other arguments regarding hacking, tracking, privacy, debt, data commercialization are all valid for the use of almost all of technology we use. The cognitive function, cancer and android stuff crossed the line from uniformed straw man arguments into luddite fear mongering.

Rhosty appeares to not be aware that there are people walking around
reading the credit cards in peoples wallets and handbags right now.

You can buy little metal sleeves in which to keep your credit card.
If someone does read out your credit card from under your skin it
means that you have to have the old one removed and a new one inserted.
Nah ! I think I will keep the plastic.

"Nah ! I think I will keep the plastic."

I won't have either!

The beauty of plastic implants are that they are much smaller than a grain of rice and can be injected in muscle next to bone where detection is extremely unlikely.

This is in situations where special surveillance targets have no idea they've been chipped - no knowledge, no choice.