Folks who run small businesses like grocery stores and barber shops deal with cash all the time. Also there is a large class of unbanked folks in the US. Your experience doesn't generalize to everyone.

There are a lot of benefits to cash. I believe that a digital dollar that acts like paper cash is possible, but you need a lot of technologies to make that a reality (e.g. zero-knowledge crypto, and then mechanisms to peg digital asset to fiat). It doesn't quite exist yet today.

Have a look at Canada for a recent precedent: People had their bank accounts frozen for having made donations to support the protests.

https://www.cbc.ca/news/politics/emergencies-act-banks-ottaw...

I didn't know about this so thanks for the link.

Thank your good graces the state doesn’t freeze your account. This has only happened 1000s times before in history, most recently in Canada.

You don’t have money if it’s in the bank. The bank owes you money. Your credit card is a person liability that the bank will let you pay with their money, and they owe you less.

You have no control over your money.

This means you never have been threatened by your bank to block your account and assets. Good luck eating when that happens.