Is this "safety" really worth excluding ~5% of the US unbanked from participating in commerce if you succeed in helping cashless proponents succeed? Is it wort

Is this "safety" really worth excluding ~5% of the US unbanked from participating in commerce if you succeed in helping cashless proponents succeed? Is it worth the very real risk of this data empowering political candidates with information on what money is spent on, where, and the demographics of who spends it, to help them do (sadly very effective) propaganda targeting? Statistically advertisers and social media content weighting systems armed with enough data to target you, -will- change your behavior. Our brains are easy to hack no matter how smart we think we are. Ask any magician or casino operator. Is it worth rising insurance rates when POS systems sell out who is buying what over-the-counter drugs at the pharmacy? Or how often they buy car oil from autozone? I wonder how much safety hundreds of billions of dollars of US transaction value could buy if placed somewhere besides the pockets of payment corpos. We could still adopt safe, private, digital cash with all the advantages of the current corpo system, and none of the above drawbacks. We must reject corpo cash to get something better into popular use though.