I don’t know the issues. Didn’t read the article.

• Gotta pull it out from an ATM or get a check cashed.
• Gotta know how much you’re gonna need lest you need to pull out more.
• Gotta count it out and do math to make sure you’re paying the right amount as well as making sure you got the correct change back.
• If your wallet is lost or stolen, that cash is fucking gone.

Meanwhile with digital:

• Can tap and pay in like 10 seconds.
• Don’t need to do any math
• If I lose it, I can turn it off with my phone and not lose any actual money.
• If I forgot my wallet, but still have my phone, I’m not SOL because I can tap and pay using my phone, too.

I’m not the guy you replied to, but you have to carry it around, which means you need a wallet…I don’t want to carry a wallet around all the time. You also have to get cash regularly to always have some on you. That is super inconvenient for me since my daily life doesn’t take me anywhere near an ATM. I don’t want to carry an entire weeks worth of spending half the time.

Did you ever have 2000€ in your bank account and 0.63€ in your wallet? And then it was summer and you were thirsty, so you bought something with your card instead of riding the tram to the next ATM to get a 50€ bill and ride the tram back to the kiosk, where they did not have the right exchange for the 50€ bill, which was then the reason to visit the stores around to exchange money, what they did but they looked at you very suspiciously, because that’s a common theme for a scam, and then you could finally buy your drink, but the whole ordeal cost you 45 minutes?

That’s just one example.