Maybe, especially in some places, but even if that is the direction of digital financial transformation, the US is decades behind on most levels of that transformation and has cultural issues that that even if it was caught up on other aspects would make retirement of physical currency harder than it might be in other places.

I will be surprised if central banks don’t use the ushering in of the next monetary system as an excuse to go full-stop 100% digital.

I get the sense you think this is a far off and unlikely event. I think it’s much more likely and impending than that.