And what happens if you wish to opt out of relying on a phone? The consequences of total and utter dependency on a technology you don't control and which is rip

And what happens if you wish to opt out of relying on a phone? The consequences of total and utter dependency on a technology you don't control and which is ripe for exploit are horrifying. If it ever comes to that, it's no different than having an embedded microchip under your scalp. Thanks, but I'll bear the minor inconveniences of cash, where applicable, for the freedom such transactions still offer in this ever-digitized, tracking society.