Which is why we need legislation to prevent exclusion of significant minorities be they the disabled or poorer people. I'm more than comfortable for businesses that wish to trade on the high street to be required to fit a ramp to their doorway, inductive coils for hearing aids, and required to take cash.

If we end up cashless it will be the poor and elderly who will have the most difficulty. Even now, well over 10 years after the switch, it's reasonably common to see elderly folks in supermarket or bank struggling with chip and PIN.