Older people/Children are not a problem. I've seen both using digital payments for a long time. Unbanked people is more concerning, as unbanked people include

Older people/Children are not a problem. I've seen both using digital payments for a long time. Unbanked people is more concerning, as unbanked people include political enemies of the state. The centralisation of power that digital payments allow is concerning. The other thing which isn't mentioned in this comment chain is that a reason credit is cheaper is that your transaction data is harvested.