Re your edit: it's not just a question of crime. Once a shop excepts money, they should be able to use it. Even having to wait for sync for a few days can put

Re your edit: it's not just a question of crime. Once a shop excepts money, they should be able to use it. Even having to wait for sync for a few days can put people in the red. In my country, for example, it takes car-ride drivers to get their money from Uber/etc in about 1 week. So they almost entirely operate on cash. They need liquidity to pay for fuel and daily expenses.