Well, I didn't actually say 'lot more == all'. I was just mentioning that PMJDY bank accounts and debit cards would ease things a bit for the people who have them, compared to the days when they had no bank accounts whatsoever (remember, PMJDY bank accounts are specially tailored for people with low income and/or unstructured income). Anyway, you don't need a bank account to exchange demonetized currency notes.

Biggest motivator for those accounts was not the privilege to have a bank account. But direct deposits in case the government wanted to pay the farmers and alike. That was the whole point in linking those to Aadhar too!

Now I'm not saying that this won't be possible. But its just these kind of changes can't be done with a throw of switch. You need to do a lot of incremental work before you can even think of this kind of big risky moves. Roll backs are hard, and in this case impossible(will lead to increase in inflation if done). Nor can you sit down quietly as there is no real way to put money back into circulation.

We all want to change the world. But we have to understand we need to change the world with consensus from people we want the changes to effect. The world is not in a hurry, and everything/everyone has their own priorities. You need to work with all that. Tech idealism is great, but at times something like this comes to remind us we know nothing about the daily complexities of other citizens.