I would go further than that even.

I'm from the kind of family where the vast majority of my relatives are nearly exclusively Walmart shoppers. Every now and again, if they want to splurge, they use Target. And there are a couple who can afford, once in a very rare blue moon, to use Amazon or the Apple store.

Here's the thing though, even when they are using Target, or Amazon, or the Apple store, that segment of the population is probably doing it not with bank cards, but with prepaid Walmart connected cards. So Walmart, if they wanted, could create something that would be actually more valuable than dollars to people from my family's socioeconomic background. If they could pay their rent and electric in Wally Bucks, they would literally have no use for dollars at all.

And that class of people is very large, and growing. (At least it is out here in Wisconsin. And I'd imagine most of fly over country is similar.)