It ultimately comes down to being able to go to a physical location and get coins/paper or not.

I just don't see what the value is of having my account denominated in a way that getting coins/paper is gone. Even if we went to all digital money tomorrow we would probably quickly get a bank that denominates in gold and gives you back paper slips for proof of deposit. Or doesn't even bother with gold and gives paper slips of electronic currency deposits.

We can't even get rid of useless pennies in the US.