I don't know about utopia but I leave the house with just my smartphone. And transactions costs for cash are higher than using a card or smartphone- this is wha

I don't know about utopia but I leave the house with just my smartphone. And transactions costs for cash are higher than using a card or smartphone- this is what pushed banks to push for plastic in the first place. The reality is that we are at a point were most people use cash only for criminal transactions or evading the tax man. Including myself- I pay the cleaning lady in cash because of her immigration status.