I agree on the loss of privacy, a big drawback of (current) cards. As for your other points: Swedes use nearly exclusively debit cards directly linked to an ac

I agree on the loss of privacy, a big drawback of (current) cards. As for your other points: Swedes use nearly exclusively debit cards directly linked to an account (so no bills to pay, no interest, no risk of spending more than you have). We all have apps to monitor our account balance. For P2P payments we use Swish, an app linked to your bank account and your phone number. It lets you pay instantly to anyone with a phone number and it's "free" but of course locks you in to your bank. The UI is decent. As for "supporting your community by eliminating overhead" I think the overhead is higher for cash, and many businesses seem to prefer cards (many now, like banks, are cash-free). Also, eliminating cash has the advantage of making it harder for businesses to avoid paying taxes. I also agree that paying with your phone sounds worse than using a card (which takes seconds and never runs out of batteries), but maybe you get your privacy back?