If you are in any way concerned about your life's keys being at the mercy of Google or Apple picking up the phone when your account eventually gets locked up ("

If you are in any way concerned about your life's keys being at the mercy of Google or Apple picking up the phone when your account eventually gets locked up ("risk algorithm flag" - good luck!), you should easily be able to understand why a cashless society based on banks or governments as gatekeepers can be just as bad, if not a lot worse.