I'm Swiss too, and while the fee argument is a great one, my main concern is preserving the optional privacy you have when transacting with cash. It's one of th

I'm Swiss too, and while the fee argument is a great one, my main concern is preserving the optional privacy you have when transacting with cash. It's one of the last aspect of your daily transactions that businesses and most importantly governments cannot trivially track and tie to your identity, aggregate, and potentially use against you (and people who consume like you) in various ways. Giving up this power, out of convenience, is a bad deal for citizens. And before anyone argues that this privacy is used by criminal/terrorists/etc., I would need to be convinced that going fully cashless would stop them to even consider it in the balance... but as far as I can tell they happily use the banking system for their criminal dealings, with the support of banks, since each year there are scandals about banks helping money laundering to the tune of hundreds of millions, even billions at the time, I don't think it happens mostly thanks to cash.