Digital money in modern world is needed, but not to substitute physical cash. It's needed for instance to buy thing remotely, to invest, to quickly transfer non

Digital money in modern world is needed, but not to substitute physical cash. It's needed for instance to buy thing remotely, to invest, to quickly transfer non-marginal amount of money etc. In that sense a completely open and public payment infrastructure instead of SWIFT, e-payment circuits etc is more then needed, it must be MANDATORY by law and designed in an open manner not only in term of code but also in term of usage. Cash stay aside, because there is no trusted hw, no guarantee of functioning in various situations than cash. So imposing OpenBank-alike APIs for all, private Citizens included, possibly with each transaction digitally signed by three parties (paying, paid and State-controlled central bank) and easy to store locally by any of those three should be mandatory, demolishing private fintech of course, leaving cash should and must be equally mandatory.