You talk about "users" as if the majority of people are tech-literate. They are not. Imagine explaining to your parents what a "single use digital token" is. No

You talk about "users" as if the majority of people are tech-literate. They are not. Imagine explaining to your parents what a "single use digital token" is. Now imagine explaining "it's a card that you only use for this". Outdated/meat-space abstractions are useful for both driving adoption and getting laypeople to understand intuitively what you mean. And beyond that, most of us encounter dozens of them a day without blinking. Think about that the next time you check your electronic mail on your general-purpose computing device you call a "phone".