There have been schemes with cards that you can load digital currency to and off of, that to my understanding remove the server from the transaction. They still

There have been schemes with cards that you can load digital currency to and off of, that to my understanding remove the server from the transaction. They still don't let you give ¤5 to your kid, but they're a step in that direction. It's just that no one wanted them. I'm not certain that they didn't need servers, I merely believe so.