> I think kids growing will be happy without any physical cards and banking will all be app driven. That's mostly valid for middle-class kids, but there's lots

> I think kids growing will be happy without any physical cards and banking will all be app driven. That's mostly valid for middle-class kids, but there's lots and lots of unbanked or "badly" banked (i.e. banking with what are basically pawnbrokers) poorer people, so cash going away or being tightly regulated will be a huge disadvantage for their kids going forward.