> hurts the poor and unbanked by removing yet another service from them. There are plenty of much poorer countries where cash has pretty much died out. Imagin

> hurts the poor and unbanked by removing yet another service from them. There are plenty of much poorer countries where cash has pretty much died out. Imagine driving along in some mountainous, rural area in China. You stop at a little roadside shop in the middle of nowhere. You pull out your paper Renminbi bills to pay, and the shopkeeper looks at you like you're crazy. Everyone uses their smartphone to pay for everything, and yes, everyone has a smartphone. If it's possible to transition entirely to digital payment in a country that was part of the Third World just one generation ago, it should be possible in the US.