I still don’t see that as a reason for wanting cash - that’s a reason for wanting both laws to make the banking system act more like the credit system with more consumer recourse and “postal banking”. They could go as far as denying access to paper checks and being able to opt out of letting banks get you into overdraft situations by denying all payments that would result in overdraft.

Also, you should be able to decide which order payments go in - highest first or lowest first. Highest first can easily result in 4 small overdrafts instead of 1 large overdraft.