Yall want Apple Pay and Zelle, and for digital content creators to get paid, and always wishing you could pay the coconut vendor on the highway with a transfer because you "never have cash" ... AND YET... LOL
Where some of the pushback is coming from is there is *also* a digital wallet app, which should help the unbanked and help small vendors take payment electronically. So e.g. I would now be able to pay the coconut water guy on the high way from my phone to his phone even if he doesn't have a bank account. The pushback is now that means that transaction is now digital and can be tracked, as opposed to when I hand him a picture of Samuel Jackman Prescod then no-one knows but me and he.