Isn't that highly affected by how much money rich people (ie users of digital money) have? One whould think paper money still is used by a good 50% of the world

Isn't that highly affected by how much money rich people (ie users of digital money) have? One whould think paper money still is used by a good 50% of the worlds poorest, but they can't hold a candle to the amount hedge funds, banks and simply normal people from western countries move around compared to them.