The JD(S) chief said Prime Minister Narendra Modi should have spoken on demonetisation in Parliament "so that we could reply".
"The best thing would have been that the Prime Minister should have made a statement in the House on the very first day of the ongoing Winter session" regarding the decision which he had already announced on November 8 when Parliament was not in session, Gowda told PTI here.
Gowda said 22 days have already passed since the announcement was made by Modi in a nationally-televised address but people, particularly the farmers and the labourers, continue to go through "unimaginable sufferings".
Noting that the Prime Minister had asked people to "tolerate" the difficulties for 50 days, he questioned, "How long does this government want the people to suffer?"
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"It was a hasty decision by the Prime Minister without proper assessment which has put the country in an awkward situation," he emphasised.
Referring to the regular alterations being made in the
implementation of demonetisation scheme with regard to withdrawal caps and other aspects, Gowda asked, "How many amendments, modifications, changes have been made every day? Changes are still going on."
Finding faults with the government, he said it had first introduced gold bonds, which "did not yield any results".
"Now suddenly another idea flashed the Prime Minister's mind...Who gave him the advice? Did he consult any colleague," he questioned.
"Now the government has pushed the Income Tax amendment bill also," he added.
Talking about problems being faced by the people, he criticised the cap on withdrawals, questioning why should even a salaried person not be able to take out as much money as he requires.
"I have salaried account but I cannot withdraw money as there is a cap of Rs 24,000 on withdrawals per month," he said.
"Who created this black money? Are we all included? Is Atal Bihari Vajpayee also included? Are we all responsible for this creation of black money? This remark hurt me," he said.
He said the Prime Minister should not have made a general remark against all those who have run the country with regard to black money generation.
On Modi's campaign to make India a cashless society, Gowda said, "I don't know whether the dream of the PM will come true.