One thing I haven't seen mentioned which is of particular concern given recent developments is that if society is cashless, what if the bank or "swish" or whatever private company is running cashless transactions decides to "deplatform" you because they don't like your political opinions (or the color of your tie, or anything else). Its one thing for a social media site to erase someone's online presence, or a hosting company to prevent you from having a web presence, or even Paypal preventing you from getting electronic payments through there service - because your life doesn't depend on it. If 'swish' decides it no longer wants your business, how do you survive? How do you buy food? How do you pay the rent? Aside from the Orwellian privacy/tracking implications (by both governments and corporations), the massive transfer of power to electronic transaction corporations is frightening.